Vocal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

vocal.coop

406-442-1421

2910 Prospect Ave
Helena, MT 59601

Vocal Credit Union is headquartered in Helena and is the 22^nd largest credit union in the state of Montana. It is also the 2,439^th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 14 employees and 4,357 members at 2 locations. Vocal Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Vocal Credit Union is open to those who live, work, worship, or attend school in the Montana counties of Broadwater, Jefferson, Lewis and Clark, or Meagher.
See current membership details

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Health

B+

Data as of Q1 2025

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 Chartered	1954
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	9.51%
Annual Interest Income	$649K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$49.9MM$48.2MM
Loans	Q1 2025vs Q1 2024	$32.1MM$33MM
Deposits	Q1 2025vs Q1 2024	$43.4MM$42.1MM
Equity Capital	Q1 2025vs Q1 2024	$6.2MM$5.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$365K$376K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$53K$109K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.05%	$0	-	Base Shares
0.05%	$0	-	Auxiliary Shares
0.05%	$0	-	Christmas Club
0.05%	$0	-	Medical Savings Account
0.05%	$0	-	Summer Club

Vocal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	$20k^*	-	Money Market Account
OTHER TIERS: 1.51% → $0 - $20k

Vocal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.81%	$500	-	6 Month CD
3.76%	$500	-	12 Month CD
3.66%	$500	-	24 Month CD
3.55%	$500	-	36 Month CD
3.45%	$500	-	48 Month CD
3.35%	$500	-	60 Month CD

Vocal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%^*	$20k^*	-	IRA Share Account
OTHER TIERS: 1.26% → $0 - $20k

Locations

Vocal Credit Union Locations
Branch Office	2910 Prospect Ave	Helena, MT 59601-9726
Branch Office	4261 US Highway 12 E	White Sulphur Springs, MT 59645

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