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Vantage

19 Research Park CT, Saint Charles, MO 63304
NCUA Insured4.0 (120 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

19 Research Park CT

Saint Charles, MO 63304

Service Area

This credit union is located in Saint Charles and serves members in the MO area. Currently serving 68,077 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

6.49%

Personal Loan

14.66%

Credit Card APR

13.74%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MO

Lowest rates currently reported by credit unions in MO (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(15 total)

Member Reviews

4.0

120 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Mel B

Mel B

4 months ago

Vantage Credit Union is a co-op bank for Navy Federal, I would rate them 0 stars if I could! This bank literally puts a 5 day business hold on cash deposits at their atm. The rep tells me that it is Navy federal who puts the hold on the deposit not them however when I called Navy Federal again they told me that the Vantage CU had a 5 day hold on funds and it was nothing they could do to get the hold released. Which was crazy because the Vantage rep said I could have Navy Federal send an email with the date, time of transaction, machine used, card used, and they would release the money, but they are not responsible for the holds. This is the most ridiculous thing I have ever heard. So neither bank has nothing to do with the hold? Yet there is the 5 day hold no one can go in and release! The fact that a hold is put on a cash deposit for 5 days is INSANE. I will NEVER bank or use this VCU bank again for anything. If they didn't want to be a co-op branch bank then just opt out, not penalize the members by holding their money hostage refusing to post what you already know you have in your atm and lying about putting the funds on hold.

Kim Phelps

Kim Phelps

10 months ago

I love Vantage but when they moved across the street there is ZERO privacy. I had appointment, but he was with someone so I was helped at the front desk, ( very nice )but they ask you your account # , your passcode the amount and all personal information , in front of everyone . Not only me but everyone that came in and went to one of those little open “rooms” with the virtual teller. We could hear EVERYTHING. Stuff that is none of our business. I know it’s not the employee’s fault . We are all 9-5 employees but vantage , you did NOT think this one through.

Sega Genesis

Sega Genesis

10 months ago

Andre is the best at what he does. I came in asking for an auto loan. Long story short I didn’t get approve for it however, Andre went out his way to seek for other options. Not only Andre found another option, he got me approved for more than I ask for. If I could give him 10 stars I would. I highly recommend him!

Yvonne Pollock

Yvonne Pollock

10 months ago

Andre Gray at the St. Peter’s location was great. Had a situation come up and after a few changes, phone calls and a couple emails, Andre was able to handle the situation in a timely manner. Vantage has been good to me, glad to be banking with them.

Timothy Popp

Timothy Popp

9 months ago

Id give Vantage a 0 if it was a choice. Cost my 96 year old mother >4K in fradulent debit card charges. She didnt even activate it. Told us we didnt report soon enough. Happened 3x with 3 new debit card numbers. Impossible to set up Walmart or Paypal links. Dark ages technology. Wouldnt recommend them to my worst enemy.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).