Vantage Credit Union

Headquarters

19 Research Park Ct
Saint Charles, MO 63304
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 5.50% →
1-Year CD 0.50% 4.80% →
2-Year CD 0.60% 4.25% →
5-Year CD 0.75% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

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.


2024 Overview

General Credit Union Information

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
 

Field of Membership Restrictions

Membership is open to current or retired employees of the U.S. government including all branches of the military. Membership is also open to those who live or work in Franklin, Jefferson, St. Louis, St. Charles, or Warren Counties in Missouri and Madison or St. Clair Counties in Illinois, and in select zip codes within the counties of Ste. Genevieve and St. Francois. Membership is also open to employees, retirees, students, and members of the PTO of any public and private schools, universities, colleges or other educational institutions in Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Miller, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren, or Washington counties in Missouri, and select school districts in Illinois.

Deposit Rates - November 23, 2024

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 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.45% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 $499 Learn MoreShow Less

Loan Rates - November 23, 2024

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:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.391% 6.250% 1.00 $4,800 $1,971 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.956% 6.875% 0.63 $2,642 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125% 1.00 $3,200 $2,156 Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.240 %
After Intro: 7.240 %
$0 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.

Branches

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



Climate Policy and Initiatives

VANTAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Vantage Ratio Analysis

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.

Texas Ratio
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%.

Net Worth
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


  • 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.


Add Your Review


or use your BestCashCow account

or