Vocality Community Credit Union

Overview / Commentary
757 Redwood Drive
Garberville, CA 95542

Vocality Community Credit Union is headquartered in Garberville and is the 138th largest credit union in the state of California. It is also the 1,489th largest credit union in the nation. It was established in 1980 and as of March of 2024, it had grown to 37 employees and 9,142 members at 3 locations. Vocality Community Credit Union's money market rates are 8X the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Vocality Community Credit Union is open to those who live or work in Humboldt, Lake, Mendocino, Sonoma, or Trinity Counties, California.
See current membership details

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Health Grade Components

NCUA #65388
Year Chartered1980
Primary Regulator
Profit Margin
Return on Assets - YTD-0.14%
Return on Equity - YTD-2.24%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$150.1MM$158.8MM
LoansQ1 2024vs Q1 2023$121MM$131.4MM
DepositsQ1 2024vs Q1 2023$139MM$133.4MM
Equity CapitalQ1 2024vs Q1 2023$9.6MM$12.8MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.7MM$1.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$3.4MM$2.7MM
Real Estate OwnedQ1 2024vs Q1 2023$1.3MM$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vocality Community Credit Union Savings Account Rates

3.56%*$100k*-Health Savings Account
OTHER TIERS: 1.26% $2k - $25k | 1.76% $25k - $50k | 3.04% $50k - $100k
0.10%$100-Membership Savings
0.10%$100-Special Savings
0.10%$100-Business Membership Savings
0.10%$100-Business Secondary Savings

Vocality Community Credit Union Money Market Rates

3.56%*$100k*-Money Market Checking
OTHER TIERS: 1.26% $2k - $25k | 1.76% $25k - $50k | 3.04% $50k - $100k
3.56%*$100k*-Business Money Market Checking
OTHER TIERS: 1.26% $10k - $25k | 1.75% $25k - $50k | 3.04% $50k - $100k

Vocality Community Credit Union CD Rates

4.00%$250-12 Month Share Certificate
4.00%$250-18 Month Share Certificate
4.00%$250-24 Month Share Certificate
4.00%$250-Business 12 Month Share Certificate
4.00%$250-Business 18 Month Share Certificate
4.00%$250-Business 24 Month Share Certificate
3.00%$250-36 Month Share Certificate
3.00%$250-48 Month Share Certificate
3.00%$250-60 Month Share Certificate
3.00%$250-Business 36 Month Share Certificate
3.00%$250-Business 48 Month Share Certificate
3.00%$250-Business 60 Month Share Certificate
1.00%$250-3 Month Share Certificate
1.00%$250-6 Month Share Certificate
1.00%$250-Business 3 Month Share Certificate
1.00%$250-Business 6 Month Share Certificate

Vocality Community Credit Union IRA Rates

4.00%$250-12 Month IRA Share Certificate
4.00%$250-18 Month IRA Share Certificate
4.00%$250-24 Month IRA Share Certificate
3.00%$250-36 Month IRA Share Certificate
3.00%$250-48 Month IRA Share Certificate
3.00%$250-60 Month IRA Share Certificate
1.00%$250-3 Month IRA Share Certificate
1.00%$250-6 Month IRA Share Certificate

Vocality Community Credit Union Locations
Branch Office757 Redwood DrGarberville, CA 95542-3116
Corporate Office747 Redwood DrGarberville, CA 95542-3116
Branch Office530 E Perkins StUkiah, CA 95482

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