These deposits are your membership in the credit union. Minimum $5 per owner required. Dividends are paid on an average daily balance on the last day of each quarter.
Traditional, ROTH, and Educational IRAs are offered. Deposits made between January 1 and April 15 (tax deadline) may be applied to the current year or the previous year. If the deposit should be applied to the previous year, a contribution direction form must be completed. Dividends are paid on an average daily balance on the last day of each quarter.
Christmas Club Account
Deposits are accepted throughout the year. During the first week of November, the credit union sends you a check for the funds from the account, just in time for the Holidays. A withdrawal from the account requires that the account be closed until funds have been disbursed for that year. Dividends are paid monthly on an average daily balance.
Sammy the Saver
Share accounts for members up to age 12. Each $5.00 deposit earns 1 Sammy dollar to be used to purchase items from the Sammy Store.
Money Market Accounts
Initial deposits must be $100.00 or more. Limited to six (6) withdrawals per month. Subsequent deposits must be $100.00 or more. Dividends are paid monthly on an average daily balance.
Offered for varying terms with a minimum balance of $500.00. Early withdrawal penalties do apply. (see disclosure) Dividends are paid on an average daily balance on the last day of each quarter.
Summer Club Account
Deposits are accepted all year. In mid-August the credit union sends you a check for the funds in the account. A withdrawal requires the account to be closed until after that year’s Summer Club checks have been sent. Dividends are paid monthly on an average daily balance.
golden share accounts
For members age 60 and over.
News & Resources
It’s time again for Vocal Credit Union’s holiday loans! ‘Tis the season for shopping, gift-giving, and hosting holiday events for friends, family, and loved ones. This extra holiday spending can cause some strain on your monthly budget, and money should never need to...
Montana is an enormous state connected by highways, suburban roads, and dirt trails. So, it’s important to have a reliable car if you plan to continue traveling throughout this great state. However, car loan rates in Montana can be steep, especially if you go through...
Vocal Credit Union Receives $1.8 Million Through CDFI Rapid Response Program to Assist with Economic Challenges in the Community
Helena, MT – June 22, 2021 – The U.S. Department of Treasury recently announced recipients of COVID-19 relief funds to community development financial institutions (CDFIs), and Vocal Credit Union (Vocal), along with two other credit unions in the state, made the list...