Vocal Credit Union White Sulphur Springs MT | Affordable Vehicle Loans & Business Banking

Introduction

At Vocal, our mission is to provide trustworthy financial services that meet the needs of our community in White Sulphur Springs, MT. Located at 4261 Us Highway 12 E, we have proudly served our members since 1954. With a commitment to personal banking and community growth, we are dedicated to helping you achieve your financial goals. With a robust membership of 4,327 individuals, Vocal has established itself as a cornerstone of support for local residents. Our total assets reach an impressive $48,829,948, and we hold $2,762,198 in deposits, reflecting our stability and trustworthiness. Whether you're looking for auto loans or personal banking solutions, we've got you covered with 1,902 loans and leases available to our members. Under the leadership of CEO Eddie Black and Board President Scott Dixon, our team of 15 employees is here to assist you every step of the way. We understand that financial decisions can be daunting; that's why we're committed to providing personalized service tailored to your unique needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 569, White Sulphur Springs, MT 59645. We invite you to explore what Vocal has to offer by visiting our website at vocal.coop or by calling us at (406) 547-3265. Whether you're considering a new loan or want assistance with your accounts, our friendly staff is ready to help you navigate your financial journey with confidence. Join us today and experience the Vocal difference!

Branch History & Mission

Community Engagement

Vocal takes pride in being an active participant in the White Sulphur Springs community. We believe in giving back and supporting local initiatives that enhance the quality of life for all residents. Our partnerships with local organizations reflect our dedication to community development and outreach efforts.

Join Us!

As we look towards the future, we invite you to join Vocal Credit Union. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. Together, let's build a brighter future for ourselves and our neighbors. For more information or assistance, feel free to reach out at 406-547-3265. Visit us today at Vocal where your financial journey begins!

Our Journey

From our humble beginnings at 4261 Us Highway 12 E, we've focused on providing personalized banking services that resonate with the values of our members. As we celebrate nearly seven decades of service, we are proud to manage total assets of approximately $48.8 million. Our journey has been marked by significant milestones, including our expansion in services and technology that allow us to meet the demands of modern banking while maintaining a personal touch. While members can visit us at our branch address, official correspondence should be sent to PO Box 569, White Sulphur Springs, MT 59645. We invite you to explore our offerings during our lobby hours from Monday through Friday, 8:30 AM to 4:00 PM.

Our Mission

At Vocal, our mission is clear: we aim to empower individuals and families with the financial tools they need to thrive. We offer a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions all designed with our members in mind. Our focus goes beyond just transactions; we strive to build lasting relationships based on trust and support. We understand that accessibility is crucial. That's why we provide essential features like drive-thru banking for quick transactions and online banking options that allow you to manage your finances from anywhere. Although we currently do not have ATM availability or shared service centers, we're committed to improving your experience through mobile payments and online banking solutions.

Branch Location & Accessibility

Connect with Us

Have questions or need assistance? Don't hesitate to give us a call at 406-547-3265. We invite you to visit Vocal's White Sulphur Springs Branch soon we're excited to serve you!

Nearby Landmarks and Accessibility Features

Situated near local landmarks, including the scenic Smith River and just a short drive from downtown, our branch is ideally placed for residents and visitors alike. Parking is readily available, making it simple to drop by. Our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps to ensure everyone can visit us comfortably.

Operating Hours and Services

We are open Monday through Friday from 8:30 AM to 4:00 PM, making it convenient for you to come in before or after work. While we do not have an ATM on-site, we offer a variety of services that include personal banking options like checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking services. Additionally, our branch features a drive-thru service for quick deposits and withdrawals without leaving your vehicle.

Member Eligibility

At Vocal, we believe that everyone deserves access to financial services that fit their needs, and becoming a member is your first step into our welcoming community. If you're looking to join us at our branch located at 4261 Us Highway 12 E White Sulphur Springs Mt 59645, you'll find that eligibility is straightforward and inclusive. Whether you live, work, or worship in the area, you can easily qualify for membership. We are committed to supporting our members with personalized banking services tailored just for you. Plus, being part of Vocal means you can take advantage of a variety of benefits, from competitive loan rates to dedicated customer service. To learn more about the specific eligibility criteria and see if you qualify, visit us online at . If you're ready to open an account or have questions, don't hesitate to give us a call at (406) 547-3265. We look forward to welcoming you as a member of our community!

Business Banking & Commercial Services

Commercial Loan Options

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. - With an outstanding commercial loan portfolio of $4,755,915, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine simplifying your payment process so you can focus on what you do best running your business. Our merchant services provide you with the tools to accept payments easily, whether in-store or online. This means quicker transactions and happier customers, allowing you to enhance your bottom line. Located at 4261 Us Highway 12 E, White Sulphur Springs, MT 59645, we're here to support local businesses like yours with tailored solutions that meet your specific needs. Reach out today at 406-547-3265 and discover how Vocal can help your business thrive!

Comprehensive List Of Services

Business Banking Services

At Vocal, we also recognize the needs of local businesses. Our business banking services include merchant services and business loans that can help take your company to the next level. Whether you're just starting out or looking to expand, we understand the unique challenges you face and are here to assist.

Modern Banking Features

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, or even make person-to-person payments with ease right from your smartphone. Need access to cash? While we don't have ATMs on-site, our basic drive-thru banking service makes it simple for you to handle deposits, withdrawals, and other transactions without stepping inside the branch.

Personal Banking Solutions

Our personal banking services include both checking and savings accounts designed to help you manage your everyday transactions and save for future goals. Whether you're setting up your first bank account or looking for ways to grow your savings, we've got you covered. For those in need of financing, our auto loans and vehicle financing options are here to help you get behind the wheel without breaking the bank. Imagine driving off in that new car you've been eyeing with an affordable loan that fits within your budget. Additionally, if you're thinking about buying a home, our mortgage loans and refinancing options can make that dream a reality. If life throws unexpected expenses your way, our personal loans can provide the support you need. From debt consolidation to funding special projects, we offer flexible solutions designed to fit your circumstances. And for those who love rewards, check out our credit cards with rewards, which let you earn while you spend.

Your Financial Partner

Our team is here for you Monday through Friday from 8:30 AM to 4:00 PM at our White Sulphur Springs branch. Whether you're visiting us in person or using our digital tools, we're committed to ensuring you feel supported every step of the way. If you're ready to explore how Vocal can assist with your financial needs or if you have questions about any of our services, don't hesitate to give us a call at 406-547-3265. Join us today and experience the benefits of being part of a credit union that truly cares about its members! Explore more about us at Vocal.

Digital & Online Banking

Key Services

Our online banking platform provides 24/7 access, allowing you to manage your accounts whenever it suits you. Whether you want to check your balance, transfer funds, or pay bills, it's all just a few clicks away. If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it simple and fast. For those who prefer using their phones, our mobile application is available for easy banking on the go. You can make payments using mobile payments and stay updated with real-time notifications about your account activities.

Security and Ease of Use

Your security is our top priority. While we currently do not offer electronic signature authorization or e-statements, rest assured that all transactions are protected with robust security measures. We strive to keep your personal information safe while ensuring our services remain user-friendly. Managing your finances has never been easier with Vocal. Experience the benefits of modern banking where accessibility meets reliability. Join us today and take control of your financial journey!

Financial Strength

Efficient Operations

Our operations reflect our commitment to excellence, as shown by our $471,490, which allows 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 7,807, showing a strong and growing member base that trusts us with their finances. 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 4261 Us Highway 12 E White Sulphur Springs Mt 59645 or call (406) 547-3265 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Reinvestment for Improvement

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 supports members' financial goals across various sectors, with $716 in used auto loans and $33,226,588 in total loans and leases.

Solid 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 a brand-new vehicle or a reliable used car, we have competitive options that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $4,755,915 provide the capital needed to grow and expand. We understand how crucial access to funds is for running a successful business, and we're here to support you every step of the way. At Vocal, we believe that everyone deserves access to quality financial services. If you're considering refinancing or want to learn more about eligibility for our loan products, please reach out to us at (406) 547-3265 during our operating hours from Monday to Friday, 8:30 AM to 4:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore your lending options today and let us help you take the next step toward achieving your financial dreams!

Credit Lines and Unsecured Loans

We also provide various personal loan options to suit your needs. For those looking for flexibility, our total credit lines amounting to $4,389,640 can be an excellent choice. Additionally, we offer unsecured credit card loans, with a total of $639,086 available. These options allow you to manage your finances effectively without the need for collateral.

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 offer flexible terms to help you secure your dream home without the stress often associated with the mortgage process.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key advantages: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can feel confident knowing they are comparing trustworthy options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every user sees the same list of loan offers based solely on their merits. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to see current market conditions, helping them make educated choices about their borrowing needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials illustrate how LendMesh empowers individuals to secure better financial outcomes. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing ensures that all offers presented are fair and transparent. By relying on verified institutions, users can trust that they are getting accurate information to help them make informed decisions.

VOCAL CREDIT UNION