Vocal Credit Union

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A short history of Vocal CU

Since its inception in 1954 the Vocal Credit Union has been serving its members in the HELENA, Montana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Eddie Black, the Vocal CU has grown its membership to over 3,382 with assets of more than $27,422,559. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (406) 442-1421 to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in HELENA, MT.

General Information For Vocal CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68677
Address PO BOX 7449 
State Montana 
Zip-Code 59604
Phone Number (406) 442-1421
Fax Number (406) 442-6123
Email Address: ----
CEO/President Eddie Black
Members 3,382 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 27,422,559 
Website http://www.vocal.coop 

Compare Vocal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Helena Community CU Fort Harrison VA Hospital 3687 Veterans Dr 59601 (406) 443-5400 No 0.36
Rocky Mountain CU North Montana 3400 N Montana Ave 59602 (406) 449-2680 No 2.19

Vocal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Vocal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.99 3.85 6.32 5.75 6.32
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 340 257 476 349 374
Rank Among All Montana Credit Unions 12 22 33 26 25

Vocal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.05 0.45 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 142 273 291
Rank Among All Montana Credit Unions N/A 13 16 18 26
Vocal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.990419795,381
All Other Unsecured Loans/Lines of Credit 10.830250669,192
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.85043972,601
Used Vehicle Loans 6.3208297,434,673
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.750151,411
Total Other Real Estate Loans/Lines of Credit 6.320764,319,241
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.5802963,878,236
TOTAL LOANS & LEASES 1,91418,120,735

Vocal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 151,41100
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 714,184,5285243,564
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 5134,71300
TOTALS 774,370,6525243,564


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Vocal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending Yes
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes