Vocal

PO BOX 7449, Helena, MT 59604

NCUA Insured3.3 (37 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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

Membership Eligibility

Anyone who lives, works, or worships in or around Helena, MT may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1954

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO BOX 7449

Helena, MT 59604

Google Maps 🗺Waze

(406) 442-1421

Service Area

This credit union is located in Helena and serves members in the MT area. Currently serving 4,368 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

6.08%

Used Auto Loan

8.09%

Personal Loan

12.97%

Credit Card APR

10.96%

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 MT

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

Wolf Point— New Auto Loan

Wolf Point, MT

3.00%

St. Pats Employees— Used Auto Loan

Missoula, MT

4.35%

Russell Country— Personal Loan

Great Falls, MT

8.50%

Altana— Credit Card APR

Billings, MT

7.95%

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

Branches & Locations(2 total)

Member Reviews

3.3

37 Google reviews

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

View on Google Maps

T and C nooo

7 months ago

Absolutely horrible customer service and extremely rude! Have been going there for years, But as its looking now, They won't last much longer in Helena and then on to the next bank there.

Brett Jones

a year ago

Been a member for years have had many loans Ret and Troy are gone new loan people very unfriendly with no consideration for my situation no help just hounded for my payments when I got injured. I strongly would suggest not using Vocal as s credit union. Don't follow their own policies. Not good for the community. Horribly experience. Ruth is cool.

Ollie Red Horse

a year ago

Maybe a great option for others but not for me. Used to have some sort of grace period for overcharges. Now they happily charged me 30$ for something when i got direct deposited an hour afterwards. I've been hung up multiple times by their employees on calls regarding fees. Ive closed my account due to this.

todd harris

a year ago

I will say that this bank is very customer oriented. Not only have they helped me out, but I have sent many happy loan customers their way. Rhett, Whitney, Eddie and the rest of the staff treat you as a person.....not a credit score. Congrats

Kailen Belgarde

2 years ago

Ruth is extremely rude and has terrible customer service skills, should not be a customer service rep. I’ve dealt with her multiple times and it’s been the same rude and terrible personality every time. Acts like you’re inconveniencing her. Finally got to talk to the manager about the missing hundreds of dollars from my account and he also didn’t care and was unbothered by it. Don’t recommend anyone banking here!