Credit union · NCUA insured
Vocal Credit Union Savings Rates
Vocal Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Vocal Credit Union’s savings rates compare
Compared with banks and credit unions near Helena, MT, where Vocal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vocal Credit Union
1.01%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $101
Money Market
Top rate
Southwest Montana Community Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Vocal Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vocal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
1.01%APY
APY is calculated based upon monthly interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 1.01% | $101 |
| $20,000 and up | 1.51% | — |
Sources (1)
- vocal.coop/savings-account/investment-rates · captured Oct 4, 2026
Auxiliary Shares
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- vocal.coop/savings-account/investment-rates · captured Oct 4, 2026
Base Shares
0.05%APY
Membership share account. Minimum $5 per owner required. Dividends are paid on an average daily balance on the last day of each quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly on average daily balance.Any balance | 0.05% | $5 | Dividends paid quarterly on average daily balance. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Accounts
1.01%APY
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.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 1.01% | $101 |
| $20,000 and up | 1.26% | — |
Sources (3)
- vocal.coop/savings-account
- vocal.coop/savings-account/investment-rates
- vocal.coop/savings-account/calculator
All captured Oct 4, 2026
Club Accounts
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- vocal.coop/savings-account/investment-rates · captured Oct 4, 2026
Medical Savings Accounts
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- vocal.coop/savings-account/investment-rates · captured Oct 4, 2026
Who can join Vocal Credit Union
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.
Membership information collected October 4, 2026.