Credit union · NCUA insured
Vocal Credit Union
A $52M credit union headquartered in Helena, MT, with 4,324 members and 2 branches in Montana. Best rates: CDs 3.65% and savings 1.01% APY.
Vocal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#2 of 10 in Helena, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vocal Credit Union
Founded in 1954, Vocal Credit Union is a member-owned financial cooperative based in Helena, Montana.
The credit union serves individuals and businesses across ten Montana counties, including Beaverhead, Broadwater, Jefferson, Lewis and Clark, and Madison counties.
Vocal Credit Union has received a Low-Income Designation from the National Credit Union Administration and the State of Montana.
- Headquarters
- 2910 Prospect Ave, Helena, MT 59601-9726
- NCUA charter
- 68677
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work in, or attend school in, and businesses and other legal entities located in Beaverhead, Broadwater, Golden Valley, Jefferson County, Judith Basin, Lewis and Clark, Madison, Meagher, Powell, or Wheatland county, Montana are eligible for membership.
Family and household
- Persons related to someone who meets the geographic eligibility qualifications can join Vocal Credit Union.
Branches
2 branches in Montana
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Montana
2 branches
Helena area · 1
- 2910 Prospect AveMain office2910 Prospect Ave, Helena, MT 59601Directions
White Sulphur Springs area · 1
- White Sulphur Springs Branch4261 US Highway 12 E, White Sulphur Springs, MT 59645Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.19% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.40% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.17% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $72 | $59 | — |
- CapitalNet worth ratio13.19%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.40%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.17%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$72Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Vocal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.