Vocal Services
Checking Account
Share Draft accounts
No minimum balance required.
overdraft share transfer protection
Funds are transferred from the selected share or draft account in $50.00 increments for $5.00 per transfer. Maximum amount of transfer is limited by selected share balance and Regulation D. There is no monthly service fee.
Debit Card
Vocal’s Mastercard has no annual or monthly service fee. Please make sure to notify us if you are traveling and plan to use your debit card.
Courtesy Pay
Credit Union will cover share drafts, ACH and debit card transactions up to $250.00 including fees of $30.00 per item.
Debit card only accounts
Your don’t have to have your mother’s old checking. No minimum balance required.
News & Resources
Home Equity+ Hybrid Loans
Vocal Credit Union is proud to offer a Home Equity+ hybrid loan option that is particularly useful for families and young adults who have built equity in their first homes, and are looking to pay off their homes faster.
Mobile and Manufactured Home Loans
Vocal Credit Union is one of the only financial institutions in our region to offer a Mobile and Manufactured Home Loan option in order to serve our community, and to help our members get started as homeowners.
Trico Community Federal Credit Union Rebrands as Vocal Credit Union
HELENA – On Monday, March 14, 2016, Trico Community Federal Credit Union will transition to a Montana state credit union charter and begin operating under their new identity: Vocal Credit Union. The name Vocal Credit Union embodies one of the financial cooperative’s core governing principles: “Where every member has a voice.”