Overview / Commentary
2910 Prospect Ave
Helena, MT 59601-9726

Vocal Credit Union is headquartered in Helena and is the 24th largest credit union in the state of Montana. It is also the 2,846th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 11 employees and 4,141 members at 2 locations. Vocal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Jefferson, Lewis and Clark, or Broadwater Counties in Montana.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vocal Credit Union has a low asset base.

Health Grade Components

NCUA #68677
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD8.26%
Annual Interest Income$638.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$31.6MM$27.4MM
LoansQ2 2018vs Q2 2017$24.0MM$18.1MM
DepositsQ2 2018vs Q2 2017$29.0MM$25.0MM
Equity CapitalQ2 2018vs Q2 2017$2.2MM$2.1MM
Loan Loss AllowanceQ2 2018vs Q2 2017$149.00K$98.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$224.00K$19.00K
Real Estate OwnedQ2 2018vs Q2 2017$45.00K$45.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vocal Credit Union Savings Account Rates

1.00%*$20k*-IRA Share Account
OTHER TIERS: 0.50% Up to $20k
0.05%--Base Shares
0.05%--Auxiliary Shares
0.05%--Club Account
0.05%--Medical Savings Account

Vocal Credit Union Money Market Rates

0.10%*$20k*-Money Market Account
OTHER TIERS: 0.05% Up to $20k

Vocal Credit Union CD Rates

2.37%$500-60 Month CD
2.12%$500-48 Month CD
1.86%$500-36 Month CD
0.95%$500-24 Month CD
0.75%$500-12 Month CD
0.30%$500-6 Month CD

Vocal Credit Union Locations
Branch Office2910 Prospect AveHelena, MT 59601-9726
Branch Office4261 US Highway 12 EWhite Sulphur Springs, MT 59645

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