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Vocality Community Credit Union

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Vocality Community Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vocality Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Vocality Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.65%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 2.60%. Savings rates are at 0.03% and money market rates are at 1.45%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Vocality Community Credit Union rates. MonitorBankRates evaluates the financial stability of Vocality Community Credit Union with a 3.5 Star Rating, an D Overall Health Grade, and a Texas Ratio of 32.74%. Rates were last updated on 04/23/2026.

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

Overall Health & Safety Grade

Weak Health Score: 68/100

MonitorBankRates Rating

3.5

Good Out of 5.0 Stars

Texas Ratio

32.74%

Fair Higher than avg

Vocality Community Credit Union
Community Credit Union

757 Redwood Dr
Garberville, CA 95542 3116

https://www.vocalityccu.org

Current Rate Availability

We do not have Vocality Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Vocality Community 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 Vocality Community 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 Vocality Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vocality Community Credit Union

Website https://www.vocalityccu.org

Address 757 Redwood Dr, Garberville, CA 95542 3116

Phone 707-923-2012

Fax 707-923-4199

President Marcia Mendels

CEO Patricia Neighbors

Full-Time Employees 37

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.5 / 5.0 ★

Overall Health & Safety Grade

D (68/100)

Texas Ratio

32.74%

Return on Assets (ROA)

-0.0358%

Return on Equity (ROE)

-0.5148%

Non-Performing Loans Ratio (NPL)

2.82%

Total Assets

150,147,895

Total Amount of Shares and Deposits

139,011,830

Total Shares and Deposits < 1 Year

114,046,906

Total Shares and Deposits 1 3 Years

19,219,050

Total Shares and Deposits > 3 Years

5,745,874

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,971,711

Total Uninsured Shares and Deposits > $250K (F+J)

13,971,711

Total Insured Shares and Deposits > $250K (item 17 less item K)

125,040,119

Total Interest Expense (Sum of items 6 8)

794,739

Share Certificates

623

Number of Accounts for Share Drafts

14,873

IRA KEOGH Accounts

174

Number of Accounts for Regular Shares

734

All other shares

261

Non Member Deposits

Money Market Shares

276

Net Income (unless the amount is already included in Undivided Earnings)

-53,728

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,001,958

Total Liabilities

140,572,080

Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for Vocality Community Credit Union yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About Vocality Community Credit Union

Is Vocality Community Credit Union a safe place to deposit money?

Yes, Vocality Community Credit Union is considered a safe financial institution. With a Texas Ratio of 32.736075830023%, the institution's financial health is rated as stable. 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 Vocality Community Credit Union operate?

Vocality Community 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 Vocality Community Credit Union?

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

Does Vocality Community Credit Union offer online and mobile banking?

Most modern institutions like Vocality Community 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.vocalityccu.org.