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Vigo County Federal Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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.
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| iEditorial Disclosure
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 and Verified: September 20, 2026

Vigo County Federal Credit Union's 6 Month CDs rates are at 3.25%, 5 Year CDs rates are at 2.27%, 2 Year CDs rates are at 2.02%, 1 Year CDs rates are at 0.15%, 3 Month CDs rates are at 0.03%. Vigo County Federal Credit Union's savings rates are at 0.05%. Vigo County Federal Credit Union's Personal Loan Rates are as low as 12.00%. Vigo County Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Vigo County Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.64%. Rates last updated and verified on 09/20/2026.

Vigo County Federal 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 Vigo County Federal Credit Union? Share your experience about Vigo County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vigo County Federal Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.64%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Vigo County Federal Credit Union
Vigo County Federal Credit Union
126 S 3rd St
Terre Haute, IN 47807-3407
https://vigocountyfcu.org
Member NCUA

Vigo County Federal Credit Union CD Rates

Product Rate APY Term View More
6 Month Share Certificates - 3.25% 6 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
5 Year Share Certificates - 2.27% 5 Year
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
2 Year Share Certificates - 2.02% 2 Year
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
1 Year Share Certificates - 0.15% 1 Year
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
3 Month Share Certificates - 0.03% 3 Month
Min Deposit $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%

Vigo County Federal Credit Union Savings Rates

Product Rate APY View More
Share Plus Savings - 0.05%
Min Balance $50
Details Balance: $50 - $500
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Share Plus Savings - 0.05%
Min Balance $501
Details Balance: $501 - $2,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Share Plus Savings - 0.05%
Min Balance $2,001
Details Balance: $2,001 - $10,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Share Plus Savings - 0.05%
Min Balance $10,001
Details Balance: $10,001 - $20,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Share Plus Savings - 0.05%
Min Balance $20,000
Details Balance: $20,000 or more
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%

Vigo County Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Recreational Vehicles Loan - 5.99%
Details Starting As Low As
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Used Recreational Vehicles Loan - 6.99%
Details Starting As Low As
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%

Vigo County Federal Credit Union Credit Card Rates

Product Rate APR View More
VISA Credit Card - 9.90%
Details Fixed Rate as low as
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
VISA Platinum - 9.90%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
VISA Classic - 11.90%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%

Vigo County Federal Credit Union Personal Loan Rates

Product APR Term View More
Fixed Rate Closed-End Signature 12.00%
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%

Vigo County Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Spring Break Loan Special - - 7.99% 12 months
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Pledge of Certificate 3.00% - 3.00%
Details (above certificate rate)
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Share Draft - - 0.05%
Min Balance $2,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.64%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Vigo County Federal Credit Union’s Texas Ratio rose from 7.11% in Q2 2023 to 8.64% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.8% 2.0★ 9.6% 3.0★ 14.4% 4.0★ 19.2% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 7.11% A Q2 2023 A Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A- Q4 2025 8.64% A Q1 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$45M8.64%5.0A
December 31, 2025$43M14.24%5.0A-
September 30, 2025$44M10.37%5.0A
June 30, 2025$44M10.50%5.0A
March 31, 2025$43M6.50%5.0A
December 31, 2024$41M8.81%5.0A
September 30, 2024$42M8.32%5.0A
June 30, 2024$43M6.22%5.0A
March 31, 2024$43M5.31%5.0A+
December 31, 2023$43M9.90%5.0A
September 30, 2023$44M8.95%5.0A
June 30, 2023$45M7.11%5.0A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Vigo County Federal 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 Vigo County Federal 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 Vigo County Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vigo County Federal Credit Union
Website https://vigocountyfcu.org
Address 126 S 3rd St, Terre Haute, IN 47807-3407
Phone 812-232-9697
Fax 812-232-9698
President Charles Shacklee
CEO Dale Burkitt
Full-Time Employees 12
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.64%
Return on Assets (ROA)
0.2995%
Return on Equity (ROE)
2.7116%
Non-Performing Loans Ratio (NPL)
1.58%
Total Assets
44,992,494
Total Amount of Shares and Deposits
39,912,100
Total Shares and Deposits < 1 Year
39,829,601
Total Shares and Deposits 1 3 Years
71,874
Total Shares and Deposits > 3 Years
10,623
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
133,025
Total Uninsured Shares and Deposits > $250K (F+J)
133,025
Total Insured Shares and Deposits > $250K (item 17 less item K)
39,779,075
Total Interest Expense (Sum of items 6 8)
20,164
Share Certificates
120
Number of Accounts for Share Drafts
3,408
IRA KEOGH Accounts
50
Number of Accounts for Regular Shares
9,418
All other shares
27
Net Income (unless the amount is already included in Undivided Earnings)
132,591
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,063,753
Total Liabilities
40,058,001
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Vigo County Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/vigo-county-federal-credit-union-rates-review-138">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Vigo County Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Vigo County Federal Credit Union

How many branches does Vigo County Federal Credit Union operate?

Vigo County Federal 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 Vigo County Federal Credit Union?

Yes, to access services at Vigo County Federal 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, Vigo County Federal 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, Vigo County Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Vigo County Federal Credit Union offer online and mobile banking?

Most modern institutions like Vigo County Federal 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://vigocountyfcu.org.

Current Vigo County Federal Credit Union Rates

  • 12-Month CD0.15%
  • 24-Month CD2.02%
  • 60-Month CD2.27%
  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.

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