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
The Benefits of a Credit Union

A Credit Union is a financial institution that is owned and governed by the members. Unlike a standard bank, any profits can be given back to credit union members in the form of lower fees and higher savings rates. Many credit union members like that their savings...

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Happy New Year to all of our Vocal Credit Union Members!

We hope that 2021 will be a great year for you and for Vocal! We continue to take the COVID 19 crisis very seriously and do not plan to reopen up the lobbies until a vaccine is available to the general public. It is imperative to us that we keep the staff safe so that...

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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.

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