19 Research Park Ct
Saint Charles, MO 63304
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Reviewed by FJM | June 14, 2023
The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on a mask. He looked at me like I was a GERM. The cold blooded and CRUEL INDIFFERENCE is disgusting. I have never witnessed such indifference! NEVER bank at Vantage.
Vantage is an NCUA insured institution located in Saint Charles, MO. It was founded in 1957 and has approximately $1141.87 millions in assets.
Who can join?
People who have a direct family member who is currently a Member of Vantage Credit Union (Spouse, Children, Grandchildren, Parents, Grandparents, Siblings or Children of Siblings)
People who live or work in the following counties:
Missouri: Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, or Warren,
Illinois: Madison or St. Clair
People who live or work in the following zip codes:
63028; 63627; 63628; 63670 in Ste. Genevieve and St. Francois counties
People who 1) currently work for, or 2) are retired from, the United States Government – including the branches of the US Military
People who 1) currently work for, 2) are retired from, or 3) are associated with (including students and parents who are members of a PTA/PTO) any public or private school, college, university, or other educational institution (including associations, societies, and partnerships with these schools) in the following counties:
Missouri: Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Miller, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren, or Washington
Illinois: Jerseyville, Madison (Districts 1, 13, 14, 15 and Region III), Southwestern
Additional School Districts:
i. Missouri: Bakersfield, MO R-IV Schools (Ozark County); Centerville, MO R-I Schools
(Reynolds County)
ii. Illinois: Springfield, IL Catholic Diocese Schools (Sangamon County)
NCUA Insured | Yes / State-Chartered |
Charter Number # | # 67804 |
Date Established | 1957 |
Assets | $1,141.87 million |
Loans | $814.09 million |
Deposits | $980.28 million |
Capital | $80.23 million |
Your Current Location: Ohio, OH 43085
Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
---|---|---|---|---|
Savings
|
0.05% | $2,500 | $4,999 |
Learn More
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
---|---|---|---|---|
6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
6 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
18 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
24 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
48 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
60 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
60 Mo CD
|
0.75% | $100,000 | $199,999 |
Learn More
|
Variable IRA Rates | APY | MIN | MAX | |
---|---|---|---|---|
Var IRA
|
0.05% | $1 | $499 | Learn More |
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Vantage
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.960% | 6.875% | 0.63 | $2,764 | $2,103 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.966% | 6.875% | 0.50 | $3,145 | $2,103 | Learn More |
NMLS ID: 3030 |
7.338% | 7.250% | 0.88 | $2,800 | $2,183 | Learn More |
NMLS ID: 491986 |
Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Vantage
To upload and update your bank's rates please register.
It is free to register and add rates.
Below are Vantage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
383.60 | A | View Lobby Hours | |
390.70 | B | View Lobby Hours | |
394.48 | C | View Lobby Hours | |
395.63 | D | View Lobby Hours | |
400.55 | E | View Lobby Hours | |
401.27 | F | View Lobby Hours | |
401.93 | G | View Lobby Hours | |
402.15 | H | View Lobby Hours | |
404.45 | I | View Lobby Hours | |
409.40 | J | View Lobby Hours | |
410.10 | K | View Lobby Hours | |
414.22 | L | View Lobby Hours | |
415.98 | M | View Lobby Hours | |
424.95 | N | View Lobby Hours | |
438.31 | O | View Lobby Hours |
VANTAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
or use your BestCashCow account
The following ratios and data are available to help you better understand the financial condition of Vantage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Vantage | U.S. Average |
---|---|
6.22% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Vantage had $5,045,794 in non-current loans and $56,122 in owned assets. To cover these potential losses it had $80,232,459 in net worth and $1,856,079 in loans loss reserves. That gives it a Texas Ratio of 6.22%.
Vantage | U.S. Average |
---|---|
7.08% | 13.93% |
Vantage FCU has a net worth of 7.08% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Vantage
FJM
June 14, 2023
The employees and managers at Vantage act as if the pandemic is over. NO ONE wears a mask. I am medically vulnerable with a chronic lung condition and asked the employee dealing with me if he would put on a mask. He looked at me like I was a GERM. The cold blooded and CRUEL INDIFFERENCE is disgusting. I have never witnessed such indifference! NEVER bank at Vantage.
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