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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.
 Vocal Credit Union Rates & Review April 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 24, 2026
Vocal Credit Union's CDS OF DEPOSITS 6 month rates are at 3.61%, CDS OF DEPOSITS 12 month rates are at 3.51%, CDS OF DEPOSITS 24 month rates are at 3.46%, CDS OF DEPOSITS 36 month rates are at 3.35%, CDS OF DEPOSITS 48 month rates are at 3.35%. Vocal Credit Union's savings rates are at 0.05%. Vocal Credit Union's money market rates are at 1.01%. Vocal Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Vocal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.34%. Rates were last updated on 03/24/2026. Vocal 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 Vocal Credit Union? Share your experience about Vocal Credit Union by leaving a review below, or read customer reviews before you decide to use Vocal Credit Union. 
Vocal Credit Union CD Rates
Vocal Credit Union Savings Rates
Vocal Credit Union Money Market Rates
Vocal Credit Union Credit Card Rates
Vocal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vocal 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 Vocal 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 Vocal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vocal Credit Union
Website
https://vocal.coop/
Address
2910 Prospect Ave,
Helena, MT 59601 9726
Phone
406-442-1421
Fax
406-442-6123
President
Scott Dixon
CEO
Eddie Black
Full-Time Employees
13
Part-Time Employees
0
Branch Locations
2
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
5.34%
Return on Assets (ROA)
0.9035%
Return on Equity (ROE)
7.1681%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
51,486,223
Total Amount of Shares and Deposits
44,501,856
Total Shares and Deposits < 1 Year
43,701,197
Total Shares and Deposits 1 3 Years
752,616
Total Shares and Deposits > 3 Years
48,043
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
783,024
Total Uninsured Shares and Deposits > $250K (F+J)
783,024
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,718,832
Total Interest Expense (Sum of items 6 8)
255,082
Share Certificates
503
Number of Accounts for Share Drafts
2,849
IRA KEOGH Accounts
60
Number of Accounts for Regular Shares
4,785
All other shares
103
Money Market Shares
136
Net Income (unless the amount is already included in Undivided Earnings)
465,181
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,774,856
Total Liabilities
44,996,636
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Vocal Credit UnionIs Vocal Credit Union a safe place to deposit money?Yes, Vocal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.342882374487%, 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 Vocal Credit Union operate?Vocal 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 Vocal Credit Union?Yes, to access services at Vocal 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, Vocal 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, Vocal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vocal Credit Union offer online and mobile banking?Most modern institutions like Vocal 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://vocal.coop/. Current Vocal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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