What are the current interest rates at Vocal Credit Union?

Current rates for Vocal Credit Union include: 12-Month CD: 3.55%, 24-Month CD: 3.60%, 60-Month CD: 3.65%, Savings: 0.05%, MMA: 1.51%

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Vocal Credit Union

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Vocal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Vocal Credit Union's top rates as of October 10, 2026 are 3.65% APY on its 36 Month CDS OF DEPOSITS CD, 0.05% APY on savings, and 1.51% APY on money market accounts, according to rates verified by MonitorBankRates. Other Vocal Credit Union CD rates include 48 Month CDS OF DEPOSITS at 3.65%, 60 Month CDS OF DEPOSITS at 3.65%, and 24 Month CDS OF DEPOSITS at 3.60%. 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 1.80%. Rates last updated and verified on 10/10/2026.

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.

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

1.80%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Vocal Credit Union
2910 Prospect Ave

2910 Prospect Ave
Helena, MT 59601-9726

https://vocal.coop/

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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.

Vocal Credit Union CD Rates

Product	Rate	APY	Term
36 Month CERTIFICATES OF DEPOSITS	3.60%	3.65%	36 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 1, 20263.65%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
48 Month CERTIFICATES OF DEPOSITS	3.60%	3.65%	48 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 1, 20263.65%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
60 Month CERTIFICATES OF DEPOSITS	3.60%	3.65%	60 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.65% ▲ 0.30 pts · high 3.65% / low 3.35% Oct 1, 20263.65%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
24 Month CERTIFICATES OF DEPOSITS	3.55%	3.60%	24 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.46% → 3.60% ▲ 0.14 pts · high 3.60% / low 3.46% Oct 1, 20263.60%▲ from 3.46% Sep 14, 20263.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
12 Month CERTIFICATES OF DEPOSITS	3.50%	3.55%	12 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.55% ▲ 0.04 pts · high 3.55% / low 3.51% Oct 1, 20263.55%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
6 Month CERTIFICATES OF DEPOSITS	3.45%	3.50%	6 months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.50% ▼ 0.11 pts · high 3.61% / low 3.50% Oct 1, 20263.50%▼ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Vocal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Medical Savings Accounts	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Vocal Credit Union Money Market Rates

Product	Rate	APY
MONEY MARKET	1.50%	1.51%
Min Balance $20,000 Details Balance: $20,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
MONEY MARKET	1.00%	1.01%
Min Balance $0 Details Balance: $0 - $19,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

Vocal Credit Union Other Rates

Product	Rate	Points	APY/APR
Auxiliary Shares	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
Base Shares	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
IRA SHARES	1.00%	-	1.01%
Min Balance $0 Details Balance: $0 - $19,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%
IRA SHARES	1.25%	-	1.258%
Min Balance $20,000 Details Balance: $20,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.80%

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

Vocal Credit Union’s Texas Ratio fell from 5.06% in Q3 2023 to 1.80% 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; 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.

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)

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	$53M	1.80%	5.0	A+
March 31, 2026	$52M	4.50%	5.0	A+
December 31, 2025	$52M	5.82%	5.0	A+
September 30, 2025	$51M	5.07%	5.0	A+
June 30, 2025	$49M	5.65%	5.0	A+
March 31, 2025	$50M	0.81%	5.0	A+
December 31, 2024	$49M	1.71%	5.0	A+
September 30, 2024	$49M	0.81%	5.0	A+
June 30, 2024	$47M	1.65%	5.0	A+
March 31, 2024	$48M	1.83%	5.0	A+
December 31, 2023	$48M	8.11%	5.0	A
September 30, 2023	$49M	5.06%	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 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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.80%

Return on Assets (ROA)

0.5785%

Return on Equity (ROE)

4.3878%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

52,601,210

Total Amount of Shares and Deposits

45,245,649

Total Shares and Deposits < 1 Year

44,783,201

Total Shares and Deposits 1 3 Years

399,030

Total Shares and Deposits > 3 Years

63,415

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

648,660

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

648,660

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

44,596,989

Total Interest Expense (Sum of items 6 8)

157,198

Share Certificates

576

Number of Accounts for Share Drafts

2,849

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,754

All other shares

Money Market Shares

146

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

304,320

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)

2,255,461

Total Liabilities

45,665,528

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Vocal 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.

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  <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.

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Frequently Asked Questions About Vocal Credit Union

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/.