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  2. Vocal Credit Union

Vocal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD60 Month CD
2.35% - Synchrony Bank 60 Month CDAdvertisement
0.50%1-year CD12 Month CD
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.05%SavingsAuxiliary Shares
1.20% - Goldman Sachs Bank USA Online SavingsAdvertisement
View all Vocal Credit Union rates »

Overview / Commentary
vocal.coop
406-442-1421
2910 Prospect Ave
Helena, MT 59601-9726

Vocal Credit Union is headquartered in Helena and is the 27th largest credit union in the state of Montana. It is also the 3,128th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 9 employees and 3,398 members at 1 location. Vocal Credit Union has a B 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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Health
B

Data as of Q1 2017

Learn why bank health matters
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

Overall
NCUA #68677
Year Chartered1954
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD9.13%
Annual Interest Income$237.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$26.0MM$24.8MM
LoansQ1 2017vs Q1 2016$16.9MM$14.8MM
DepositsQ1 2017vs Q1 2016$23.5MM$22.6MM
Equity CapitalQ1 2017vs Q1 2016$2.1MM$2.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$107.00K$34.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$41.00K$69.00K
Real Estate OwnedQ1 2017vs Q1 2016$45.00K$45.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Vocal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$500-60 Month CD
1.26%$500-48 Month CD
1.00%$500-36 Month CD
0.75%$500-24 Month CD
0.50%$500-12 Month CD
0.25%$500-6 Month CD
Locations


Vocal Credit Union Locations
Branch Office2910 Prospect AveHelena, MT 59601-9726