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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.
 Volt Credit Union Rates & Review November 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 and Verified: October 29, 2026
Volt Credit Union's checking rates are as high as 2.53%. Volt Credit Union's Auto Loan Rates are as low as 4.99%. 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 10/29/2026. 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. 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
Volt Credit Union Auto Loan Rates
Volt Credit Union Other Rates
Financial Health HistoryVolt 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
10
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
Customer ReviewsRyan
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.
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.
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.
Want to discuss Volt Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for Volt Credit Union
Frequently Asked Questions About Volt Credit UnionWhat is the highest checking rate at Volt Credit Union?The highest Volt Credit Union checking rate is its High Voltage Checking at 2.53% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Volt Credit Union?The lowest Volt Credit Union auto loan rate is its Auto Loans at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Volt Credit Union rates compare?Volt Credit Union's top rates are its High Voltage Checking at 2.53% APY and its Auto Loans at 4.99% APR, verified by MonitorBankRates on October 29, 2026. Compare to Other Credit Unions
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