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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Vantage Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
Vantage Credit Union's savings rates are at 0.25%. Vantage Credit Union's 15/15 ARM rates are at 5.75%, 10/1 ARM rates are at 5.62%, 7/1 ARM rates are at 5.50%. Vantage Credit Union's Personal Loan Rates are at 10.66%. MonitorBankRates evaluates the financial stability of Vantage Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.30%. Rates were last updated on 03/22/2026. Vantage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vantage Credit Union? Share your experience about Vantage Credit Union by leaving a review below, or read customer reviews before you decide to use Vantage Credit Union. Vantage Credit Union
Administration 19 Research Park Ct
https://www.vcu.com Saint Charles, MO 63304 5616 
Vantage Credit Union Savings Rates
Vantage Credit Union Checking Rates
Vantage Credit Union Mortgage Rates
Vantage Credit Union Home Equity & HELOC
Vantage Credit Union Auto Loan Rates
Vantage Credit Union Credit Card Rates
Vantage Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vantage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vantage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vantage Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vantage Credit Union
Website
https://www.vcu.com
Address
19 Research Park Ct,
Saint Charles, MO 63304 5616
Phone
314-298-0055
Fax
President
Jerry Eichholz
CEO
Eric Acree
Full-Time Employees
251
Part-Time Employees
1
Branch Locations
14
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.30%
Return on Assets (ROA)
0.4362%
Return on Equity (ROE)
5.5088%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
1,112,459,731
Total Amount of Shares and Deposits
1,005,764,331
Total Shares and Deposits < 1 Year
978,203,995
Total Shares and Deposits 1 3 Years
19,141,220
Total Shares and Deposits > 3 Years
8,419,116
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
39,218,599
Total Uninsured Shares and Deposits > $250K (F+J)
39,218,599
Total Insured Shares and Deposits > $250K (item 17 less item K)
966,545,732
Total Interest Expense (Sum of items 6 8)
8,842,508
Share Certificates
4,152
Number of Accounts for Share Drafts
40,983
IRA KEOGH Accounts
1,356
Number of Accounts for Regular Shares
89,409
All other shares
1,349
Non Member Deposits
2
Money Market Shares
3,308
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
64,789,786
Total Liabilities
1,027,568,712
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Vantage Credit UnionIs Vantage Credit Union a safe place to deposit money?Yes, Vantage Credit Union is considered a safe financial institution. With a Texas Ratio of 6.2990054317873%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Vantage Credit Union operate?Vantage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Vantage Credit Union?Yes, to access services at Vantage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Vantage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Vantage Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vantage Credit Union offer online and mobile banking?Most modern institutions like Vantage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vcu.com. Current Vantage Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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