Vocal Credit Union Helena MT | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Vocal, your trusted credit union located at 2910 Prospect Ave, Helena, MT 59601. Since our establishment in 1954, we have been dedicated to providing personalized financial services that empower our 4,327 members to achieve their financial goals. With total assets of $48,829,948 and robust offerings in loans and deposits, we pride ourselves on being a pillar of support within our community. At Vocal, we understand that every member has unique needs. That's why we offer a range of services from checking and savings accounts to auto loans and mortgage refinancing. Whether you're looking for personal loans or business banking solutions, our team is here to help you navigate your financial journey with confidence. Our commitment goes beyond just numbers; it's about building relationships. Under the leadership of our CEO, Eddie Black, and Board President, Scott Dixon, our team of 15 employees is dedicated to serving you with integrity and care. We believe in fostering a welcoming environment where everyone can feel secure in their financial decisions. While members can visit us at 2910 Prospect Ave, official correspondence should be sent to PO Box 7449, Helena, MT 59604. Feel free to reach out to us at 406-442-1421 during our operating hours: Monday through Thursday from 7:30 AM to 5:30 PM, Friday until 6 PM, and Saturday from 9 AM to 1 PM. Join us today at Vocal Credit Union and experience the difference of a community-focused financial institution! Visit our website at vocal.coop for more information or to learn about how we can assist you further. Your financial well-being is our priority!

Branch History & Mission

Advancements in Service

In an effort to enhance member experience, we've also made strides in digital banking capabilities. Members can now enjoy online and mobile banking options, making it easier than ever to manage their accounts from anywhere. Our focus on accessibility includes ADA compliance initiatives that ensure everyone can benefit from our services. As we look ahead, we remain dedicated to listening to our members' needs and adapting our offerings accordingly. With a team of committed employees ready to assist you during our operating hours Monday through Thursday from 7:30 AM to 5:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM we invite you to visit us or give us a call at (406) 442-1421. Join us at Vocal where your financial journey matters! Experience firsthand the benefits of being a member of our credit union community today!

Community Impact

Over the years, Vocal has embraced its role as a community partner. From educational outreach programs to local sponsorships, we actively contribute to the well-being of Helena and its residents. Our partnerships with local organizations help us extend our support beyond traditional banking services, showing that we care about more than just finances.

Our Mission

Vocal exists to provide accessible financial services that empower individuals and businesses in our community. We believe in building lasting relationships based on trust and transparency. Our mission is not just about banking; it's about supporting our members' journeys toward financial success. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we're here to help you achieve your goals. While members can visit us at 2910 Prospect Ave Helena Mt 59601, official correspondence should be sent to PO Box 7449, Helena, MT 59604. Our branch is conveniently located near local landmarks, making it easy for you to access our services. We proudly offer a range of features including ATM availability and drive-thru banking for added convenience.

Branch Location & Accessibility

Accessibility Features

We understand how important accessibility is for all of our members. Our branch is equipped with features that ensure everyone can bank with ease, including ADA-compliant entrances and ramps. Parking is readily available for both regular visitors and those needing additional assistance.

Operating Hours

At Vocal Credit Union, we strive to meet your banking needs with flexible hours designed for your convenience. Our lobby is open from 7:30 AM to 5:30 PM Monday through Thursday, and until 6:00 PM on Fridays. If you prefer a drive-thru experience, we're here for you on Saturdays from 9:00 AM to 1:00 PM.

Services Offered

We offer a range of services tailored to fit your personal and business banking needs. From checking and savings accounts to auto loans, mortgage options, and credit cards with rewards we have something for everyone. Plus, with our ATM available on-site and drive-thru banking options for quick transactions like deposits and withdrawals, managing your finances has never been easier. Feel free to give us a call at 406-442-1421 if you have any questions or need assistance before your visit. We look forward to welcoming you into the Vocal family!

Member Eligibility

At Vocal, we believe that becoming a member is about more than just banking; it's about joining a supportive community where you can thrive. If you're looking to join us at our branch located at 2910 Prospect Ave Helena Mt 59601, you'll be pleased to know that membership is open to a wide range of individuals. Whether you live, work, worship, or attend school in our community, you're likely eligible to become part of our family. Joining means not only accessing a variety of financial products but also gaining the advantage of personalized service and local expertise tailored to your needs. Getting started is simple! You can easily open your account by visiting us in person or checking out our website for more details. If you have questions along the way, don't hesitate to reach out to us at (406) 442-1421. For the most current eligibility criteria, feel free to check out this resource. We're excited to welcome you into the Vocal family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $73 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,755,915, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

In today's fast-paced market, having efficient payment solutions can set your business apart. Our merchant services allow you to accept payments easily, whether online or in-person. This means less hassle during checkout for your customers and quicker access to funds for you. With tools tailored for businesses of all sizes, managing transactions has never been easier. Visit us at 2910 Prospect Ave Helena Mt 59601 in Helena, MT or call us at (406) 442-1421 to learn how our business banking services can help you reach your goals!

Comprehensive List Of Services

Business Banking

For local businesses, we understand that every dollar counts. Our Business Banking services include merchant services that help streamline transactions and business loans tailored to your needs. We're here to help your business thrive by providing financial support when it matters most.

Call Us Today!

If you have questions or want to learn more about how our services can benefit you, feel free to reach out! You can call us at (406) 442-1421 or visit us at our branch located at 2910 Prospect Ave Helena Mt 59601 in beautiful Helena, MT. We look forward to helping you achieve your financial goals! Explore all that we have to offer by visiting us online at 2910 Prospect Ave. Your journey toward better banking starts here!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Vocal, we offer robust Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. With easy access to ATM and cash withdrawal services, along with basic drive-thru banking for deposits and withdrawals, handling your banking has never been more straightforward.

Loans and Credit Options

Life can be unpredictable, which is why having access to funds when you need them is crucial. Our Personal Loans & Debt Consolidation options provide flexible solutions for unexpected expenses or consolidating debt into manageable payments. Plus, don't forget about our Credit Cards with Rewards, which not only offer convenience but also let you earn rewards on everyday purchases.

Personal Banking

Managing your money is easier with our Personal Banking options. We offer checking and savings accounts designed for various lifestyles, so you can choose what fits you best. If you're planning to buy a car, our Auto Loans & Vehicle Financing make it simple and affordable, helping you get behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services offer competitive rates and personalized guidance.

Digital & Online Banking

Mobile Application & Payments

Our mobile application makes banking even easier. You can access all your account information on-the-go and make quick transactions with just a few taps. Plus, our mobile payments feature lets you pay for purchases directly from your smartphone, making everyday shopping more convenient than ever.

Online Banking Services

With 24/7 online banking available at https://vocal.coop/ , you can check your balances, transfer funds, and manage your accounts whenever it suits you. Whether it's day or night, you have the power to handle your banking needs right at your fingertips.

Person-to-Person Transfers

Need to send money to a friend? Our person-to-person transfer service allows you to quickly and easily send funds without any hassle. It's a great way to share expenses or settle up after a meal.

Security and Accessibility

While we prioritize convenience, we never compromise on security. Your information is protected with top-notch security measures so that you can bank with peace of mind. Additionally, with no electronic signature authorization required at this time, you can enjoy straightforward access to your accounts without unnecessary hurdles. At Vocal, we're dedicated to providing accessible, user-friendly digital banking services that fit into your life seamlessly. Explore all these options today and take control of your financial journey!

Financial Strength

A Growing Trust

We have a strong community trust with 7,807 total share accounts, showcasing a growing member base that relies on us for their financial needs. Net Shares (Funds available for lending and investments): $274,153. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vocal is your trusted partner. Visit us at 2910 Prospect Ave Helena Mt 59601 or call (406) 442-1421 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $4,181,721 in share certificates and $5,437,680 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $471,490, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 0 part-time employees who are dedicated to serving you with knowledge and care.

Reinvestment for Better Services

With $5,453,392 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, featuring $716 in used auto loans and $33,226,588 in total loans and leases, supporting members' financial goals across various sectors.

Strong Financial Health

With a net worth of $5,924,882, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,213 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,073,931 in used vehicle loans and $1,258,814 in new vehicle loans already helping members get on the road. Whether you're looking for financing for a brand-new vehicle or a reliable pre-owned option, we have flexible terms to suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $4,755,915 provide the capital needed to grow and expand your operations. We understand the unique challenges faced by businesses today and are dedicated to supporting local entrepreneurs with personalized solutions. At Vocal, we pride ourselves on offering competitive rates and exceptional service. If you're interested in exploring our loan products further or have questions about eligibility and refinancing options, please don't hesitate to reach out. You can contact us at (406) 442-1421 or visit us at our branch located at 2910 Prospect Ave Helena Mt 59601 in Helena, MT. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward fulfilling your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $487,425, make buying or refinancing simple. We know that securing a mortgage can be daunting, which is why our team is here to guide you every step of the way. If you're considering refinancing your existing mortgage, talk to us about how we can help make that process easier for you.

Unsecured Credit Card Loans

Managing day-to-day expenses can be tricky, but our unsecured credit card loans are here to assist. With a total of $639,086 in loans helping members manage their finances effectively, you can enjoy flexible repayment options and access to funds when you need them most.

Loan Aggregator

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Ensuring Accurate Comparisons

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VOCAL CREDIT UNION - Helena, MT