Vocal Services

Savings Account

Share Accounts

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.

IRA Accounts

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.

Certificate Accounts

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
Can You Get a Personal Loan for Vacation Use?
Can You Get a Personal Loan for Vacation Use?

With travel restrictions lifting across the world, you may be getting the itch to explore and travel. Whether it’s a family road trip to the Grand Canyon or a solo backpacking trip across Europe, you need a healthy budget to go on vacation. If you’re coming up just...

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2022 Home and Mobile Banking Security Update

At Vocal Credit Union, the safety of our customers' information is our top priority. To continue to protect our members' information, on Monday, April 11, 2022, we will be enhancing the security of our Home Banking and Mobile App. We will be offering the option to...

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Pros and Cons of Debit Cards
Pros and Cons of Debit Cards

Debit cards are one of the most popular forms of payment in this day and age. In fact, 87% of Americans own a debit card and use one to make payments both in-person and online. If you’re thinking about getting a debit card, it’s important to consider the pros and cons...

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