Vocal Credit Union

Overview / Commentary
2910 Prospect Ave
Helena, MT 59601

Vocal Credit Union is headquartered in Helena and is the 21st largest credit union in the state of Montana. It is also the 2,505th largest credit union in the nation. It was established in 1954 and as of March of 2024, it had grown to 14 employees and 4,280 members at 2 locations. Vocal Credit Union's CD 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.
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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 - YTD1.19%
Return on Equity - YTD10.3%
Annual Interest Income$589K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$48.2MM$48.7MM
LoansQ1 2024vs Q1 2023$33MM$32MM
DepositsQ1 2024vs Q1 2023$42.1MM$43.2MM
Equity CapitalQ1 2024vs Q1 2023$5.6MM$5.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$376K$352K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$109K$48K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

2.02%*$20k*-IRA Share Account
OTHER TIERS: 1.26% $0 - $20k
0.15%$0-Base Shares
0.15%$0-Auxiliary Shares
0.15%$0-Christmas Club
0.15%$0-Medical Savings Account
0.15%$0-Summer Club

Vocal Credit Union Money Market Rates

2.02%*$20k*-Money Market Account
OTHER TIERS: 1.51% $0 - $20k

Vocal Credit Union CD Rates

4.59%$500-6 Month CD
4.49%$500-12 Month CD
4.18%$500-24 Month CD
4.07%$500-36 Month CD
3.87%$500-48 Month CD
3.76%$500-60 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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