Vocal Year in Review 2018

What an amazing and exciting year for me and the rest of my team! In the fall of 2017, Vocal Credit Union acquired a Dutton State Bank branch in White Sulphur Springs! Since then we’ve been extremely busy helping members become familiar with Vocal, transitioning accounts seamlessly, and establishing ourselves within the community. It has … Continued

Tips to Safeguard Your Financial Information

Vocal Credit Union takes the safeguarding of your funds and your personal information very seriously. Here are some things that you can do to help protect your information –  Avoid writing paper checks. When you write a paper check, you are handing someone all of your account information AND your signature.  To help safeguard your … Continued

The Credit Union Difference

What is a credit union? And how is that different than a bank? Credit unions are not-for-profit financial cooperatives that are among the most stable institutions in America. They exist to serve the needs of their members, who really “own the joint” as voting members, and offer the same types of banking products and services … Continued

The Market is Tight for Single Family Homes – What Are Alternatives?

We’ve watched home prices in our communities go up in recent years, leaving many of our members out of the running when it comes to traditional single family home owner-ship. That’s why we created a first-of-its-kind loan for mobile and manufactured homes to make the dream of owning a home a reality for the people … Continued

How to Get the Best Rate on an Auto Loan

  There’s a lot to consider when you’re in the market for a new vehicle – but getting the best deal on your loan should be a top priority.  Here are some tips for making sure you’re buying a new or used vehicle that fits your lifestyle AND your budget.   PICKING THE RIGHT VEHICLE … Continued

Here’s What You Can Do To Protect Yourself From Fraud

  Fraud and identity theft can wreak havoc on your finances and your credit score. At Vocal, we’re committed to doing everything we can to protect our members from fraud at every level in our credit union.  We also want to make sure you have the tools to keep your information safe.   These are … Continued

How to Improve Your Credit Score

  Your credit score is the most important factor in your ability to get a loan, credit card, insurance, and utilities – or to rent a home or apartment.  It also generally determines the interest rate you’ll have to pay for financing.  That’s why it’s so important to understand your credit report, know your credit … Continued

Credit Unions Harmed by Rules Meant for Wall Street

As a member-owned cooperative, a credit union’s success is literally tied to the financial health of the people who walk through its doors every single day. This symbiotic structure is why credit unions remain the safest and most consumer-friendly option in banking. It’s also a clear example of why you didn’t see the government bailing … Continued

This Holiday Season Shop for Miracles with Vocal Credit Union

Starting on International Credit Union day on October 20th, and running through Christmas, Vocal will donate 5 cents to Shodair Children’s Hospital every time you swipe your Vocal debit or credit card. That means with every single purchase you make with one of your Vocal cards, you’ll be donating to an organization that makes such … Continued

Vocal Transitions to Chip Card Technology

Keeping our members’ data and transactions secure is a top priority for Vocal Credit Union.  That’s why our debit and credit cards are transitioning to EMV chip card technology. EMV (named for its creators Europay, Mastercard and Visa) is the globally compatible technology that improves security beyond the traditional magnetic strip on the back of … Continued