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
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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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.

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