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

Vocal Credit Union is headquartered in Helena and is the 23rd largest credit union in the state of Montana. It is also the 2,840th largest credit union in the nation. It was established in 1954 and as of December of 2017, it had grown to 13 employees and 4,018 members at 2 locations. 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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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 - YTD0.21%
Return on Equity - YTD2.9%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$31.2MM$25.4MM
LoansQ4 2017vs Q4 2016$22.3MM$16.7MM
DepositsQ4 2017vs Q4 2016$28.8MM$23.2MM
Equity CapitalQ4 2017vs Q4 2016$2.1MM$2.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$140.00K$114.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$59.00K$99.00K
Real Estate OwnedQ4 2017vs Q4 2016$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

1.25%$500-60 Month CD
1.00%$500-48 Month CD
0.60%$500-36 Month CD
0.35%$500-24 Month CD
0.25%$500-12 Month CD
0.15%$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