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Volt Credit Union

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Volt Credit Union Rates & Review October 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Volt Credit Union's top rate as of October 9, 2026 is 2.50% APY on checking, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Volt Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates last updated and verified on 10/09/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.11%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Volt Credit Union
Republic Road

2624 W Republic Rd
Springfield, MO 65807

https://voltcu.org

Customer Reviews

5.0 ★ 3 reviews

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Volt Credit Union Checking Rates

Product	Rate	APY	View More
High Voltage Checking	-	2.50%
Details APY on balances up to $10,000; ATM Fee Refunds: Up to $10/month* Last Updated 10/09/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.11%

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.

Financial Health History

Volt Credit Union’s Texas Ratio fell from 2.20% in Q3 2023 to 1.11% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$86M	1.11%	5.0	A+
March 31, 2026	$84M	0.93%	5.0	A+
December 31, 2025	$83M	2.18%	5.0	A+
September 30, 2025	$85M	0.62%	5.0	A+
June 30, 2025	$84M	1.53%	5.0	A+
March 31, 2025	$85M	2.61%	5.0	A+
December 31, 2024	$86M	3.24%	5.0	A+
September 30, 2024	$87M	0.60%	5.0	A+
June 30, 2024	$88M	1.91%	5.0	A+
March 31, 2024	$90M	2.07%	5.0	A+
December 31, 2023	$89M	1.87%	5.0	A+
September 30, 2023	$90M	2.20%	5.0	A+

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 Volt 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 Volt 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 Volt Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Volt Credit Union

Website https://voltcu.org

Address 2624 W Republic Rd, Springfield, MO 65807

Phone 417-862-0471

Fax

President Bill Jameson

CEO Christopher Moss

Full-Time Employees 25

Part-Time Employees 0

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.11%

Return on Assets (ROA)

-0.4528%

Return on Equity (ROE)

-5.3978%

Non-Performing Loans Ratio (NPL)

0.14%

Total Assets

85,753,892

Total Amount of Shares and Deposits

77,962,441

Total Shares and Deposits < 1 Year

74,862,901

Total Shares and Deposits 1 3 Years

913,540

Total Shares and Deposits > 3 Years

2,186,000

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

1,439,389

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

1,439,389

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

76,523,052

Total Interest Expense (Sum of items 6 8)

434,382

Share Certificates

503

Number of Accounts for Share Drafts

3,957

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

7,866

Non Member Deposits

Money Market Shares

199

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)

5,742,442

Total Liabilities

78,564,766

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Volt Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/volt-credit-union-rates-review-63389">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Ryan

★★★★★

June 29, 2026

I recently opened a HELOC with Volt, and I was pleasantly surprised by how smooth everything went. They offered a really great low rate, explained everything clearly, and made the whole process stress-free.

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Anastasia

★★★★★

June 29, 2026

I\'ve banked at a lot of places over the years, but Volt just feels different. I financed both my auto loan and home loan with them at a great rate, and every step of the process felt personal. They know my name, genuinely care, and I\'ve never felt like just another account.

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John

★★★★★

June 29, 2026

I’ve had a great experience with Volt Credit Union. The staff is always friendly and helpful, and they make everything easy to understand. I recently refinanced my truck and was really impressed by the great rates and how quickly everything was handled. It’s nice to feel taken care of from start to finish.

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Want to discuss Volt Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Volt Credit Union

Frequently Asked Questions About Volt Credit Union

How many branches does Volt Credit Union operate?

Volt 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 Volt Credit Union?

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

Does Volt Credit Union offer online and mobile banking?

Most modern institutions like Volt 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://voltcu.org.