Vantage Credit Union Info + Reviews
Vantage Credit Union will be the Missouri CU that we focus on here today. I’ll be taking a look at details on the non-profit financial institution like their history, products, rates, and more. If you want to leave your own review, you can do that at the end.
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Let’s jump into it.
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*Routing #: 281081479
*Phone: 314.298.0055
*Mailing address: Vantage Credit Union
19 Research Park Court
St. Charles, MO 63304
A Little History on Vantage Credit Union
Unlike the average CU out there that started in the early 1930s, this one actually didn’t take off until 1957. It was founded by members of the St. Louis Suburban Teacher’s Association (SLSTA).
Through the years it has grown a lot. Part of that’s just from naturally growing and part of it has been from all the different mergers that they’ve had with other Missouri CU’s, especially in the 10 years between 1999 and 2009.
Today, they have almost 90,000 members and over $1 billion in assets at Vantage Credit Union. Being part of the CO-OP ATM network, you can access your cash at nearly 30,000 fee-free ATMs across the United States.
Do They Give Back?
VCU does give back to the community in a handful of ways. They have been giving scholarships out for over 30 years, doing financial literacy programs, coat donations, and other community support activities.
Membership Requirements
If you want to join Vantage Credit Union, you’ll need to meet a few requirements. You or your immediate family will need to live or work in the following counties or zip codes: Cape Girardeau, Franklin, Jefferson, St. Charles, St. Louis, St. Louis City, or Warren. 63627; 63628; 63670 in Ste. Genevieve and St. Francois counties. In Illinois, either Madison or St. Clair.
There are a lot more ways than that, so, you can check those out on their website here. If you’re a government employee or retired from government service, you’re in.
They define immediate family as spouse, child, sibling, parent, grandparent, aunt, uncle, niece, nephew, first cousin, or legal guardian and includes step, in-law, and legally adoptive relationships.
Their Products at Vantage Credit Union
VCU mainly promotes their personal products and it doesn’t look like they specialize in business offerings as much. You can choose from checking, savings, loans, credit cards, insurance, and investing products if you work with them.
Vantage Credit Union offers four different types of checking accounts. From looking at many other CU’s out there, this is a little more than average. It’s usually between 1-3 from what I’ve seen.
Those four are their Vista Checking, Save.Think.Live Checking, Legacy Checking, and Simple Checking. Simple is great because it has no minimum balance requirements and no debit card transaction minimums but it comes with a lot of the benefits that you would find in a regular bank account. Those include overdraft protection, card customization, and automatic saving tools.
Loans
They have a lot of different loan products at Vantage Credit Union. You can pick from auto, boat, RV, & motorcycle, home equity lines-of-credit, home equity, student loans, business, CD and Share Secured, personal line-of-credit, signature, and emergency relief loans.
The business loans you can choose from are commercial real estate, construction, equipment/machinery, and commercial/business vehicle.
Rates at Vantage Credit Union
(effective 1/1/2021 and they can change without notice)
Auto
| New and Used Automobiles (up to 115% of MSRP or NADA Retail Value) 1% rate increase for any vehicle with over 100,000 miles. Best Rates Quoted. Your rate may vary based on your credit profile, loan-to-value and payment election. | |
| New–2018 model years | |
| Term | APR as low as |
| Up to 84 months ($25,000 minimum loan) | 4.99% |
| Up to 72 months ($15,000 minimum loan) | 3.74% |
| Up to 60 months ($10,000 minimum loan) | 2.99% |
| 12 to 48 months ($5,000 minimum loan) | 2.99% |
| Used Automobiles (up to 115% of MSRP or NADA Retail Value) 1% rate increase for any vehicle with over 100,000 miles. Best Rates Quoted. Your rate may vary based on your credit profile, loan-to-value and payment election. | |
| 2017-2015 model years | |
| Term | APR as low as |
| Up to 72 months ($15,000 minimum loan) | 3.99% |
| Up to 60 months ($10,000 minimum loan) | 3.24% |
| 12 to 48 months ($5,000 minimum loan) | 3.24% |
| 2014-2012 model years | |
| Term | APR as low as |
| Up to 48 months ($15,000 minimum loan) | 3.99% |
| 12 to 36 months ($5,000 minimum loan) | 3.99% |
| 2011-2007 | |
| Term | APR as low as |
| Up to 36 months ($10,000 minimum loan) | 5.49% |
| 12 to 24 months ($5,000 minimum loan) | 5.49% |
Boat, RV & Motorcycle Rates at Vantage Credit Union
| New and Used Boats and RVs (up to 115% of MSRP or NADA Retail Value) Best Rates Quoted. Your rate may vary based on your credit profile, loan-to-value and payment election. | |
| New-2018 model years | |
| Term | APR as low as |
| Up to 180 months ($35,000 minimum loan) | 5.74% |
| Up to 144 months ($20,000 minimum loan) | 5.49% |
| Up to 120 months ($15,000 minimum loan) | 5.49% |
| Up to 84 months ($10,000 minimum loan) | 5.29% |
| 12 to 60 months ($5,000 minimum loan) | 4.99% |
| 2017-2015 model years | |
| Term | APR as low as |
| Up to 180 months ($35,000 minimum loan) | 5.99% |
| Up to 144 months ($20,000 minimum loan) | 5.74% |
| Up to 120 months ($15,000 minimum loan) | 5.74% |
| Up to 84 months ($10,000 minimum loan) | 5.49% |
| 12 to 60 months ($5,000 minimum loan) | 5.29% |
| 2014-2012 model years | |
| Term | APR as low as |
| Up to 120 months ($35,000 minimum loan) | 6.74% |
| Up to 84 months ($20,000 minimum loan) | 6.49% |
| Up to 60 months ($15,000 minimum loan) | 5.99% |
| 12 to 48 months ($5,000 minimum loan) | 5.99% |
| New and Used Motorcycles (up to 115% of MSRP or NADA value) Best Rates Quoted. Your rate may vary based on your credit profile, loan-to-value and payment election. | |
| New-2017 model years | |
| Term | APR as low as |
| Up to 72 months ($15,000 minimum loan) | 6.24% |
| Up to 60 months ($10,000 minimum loan) | 5.49% |
| 12 to 48 months ($5,000 minimum loan) | 5.49% |
| 2016-2012 model years | |
| Term | APR as low as |
| Up to 60 months ($15,000 minimum loan) | 6.74% |
| Up to 48 months ($10,000 minimum loan) | 6.49% |
| 12 to 36 months ($5,000 minimum loan) | 6.49% |
Credit Card
(rates effective 4/1/2020 and can change without notice)
| Programs and Features | World | Platinum Rewards | Platinum | Secured |
|---|---|---|---|---|
| Best For | Top of wallet, generally used for all spending | Earning rewards on everyday purchases | Simplicity and convenience | Building\repairing your credit rating |
| APR as low as | 10.49% | 9.99% | 8.24% | 6.25% |
Deposit
(rates effective as of 6/1/2021 and could change at any time without notice so be aware of that)
| Regular/Special Savings | |
| Amount | APY |
| $0 – $499.99 | 0.05% |
| $500 – $1,999.99 | 0.05% |
| $2,000 – $4,999.99 | 0.05% |
| $5,000 – $9,999.99 | 0.05% |
| $10,000 – $19,999.99 | 0.05% |
| $20,000 – $49,999.99 | 0.05% |
| $50,000 – $99,999.99 | 0.10% |
| $100,000+ | 0.15% |
| Holiday Club Savings | 0.05% |
| Mastercard Secured Savings | 0.05% |
| IRA Savings Accounts | |
| Amount | APY |
| $0 – $499.99 | 0.05% |
| $500 – $1,999.99 | 0.05% |
| $2,000 – $4,999.99 | 0.05% |
| $5,000 – $9,999.99 | 0.05% |
| $10,000 – $19,999.99 | 0.05% |
| $20,000 – $49,999.99 | 0.05% |
| $50,000 – $99,999.99 | 0.10% |
| $100,000+ | 0.15% |
| Deferred Compensation Plan (DCP) | |
| Amount | APY |
| Option 1 (fixed) | 0.50% |
| Option 2 (variable) | 0.50% |
CD Rates at Vantage Credit Union
(rates effective as of 6/1/2021 and can change without notice so be aware of that)
| SmartSaver CD ($250 minimum) | |
| Term | APY |
| 25 months | 0.20% |
| Regular CDs ($2,000 minimum) | |
| Term | APY |
| 6 months | 0.10% |
| 12 months | 0.15% |
| 18 months | 0.20% |
| 24 months | 0.25% |
| 36 months Step-Up | 0.40% |
| 48 months | 0.50% |
| 60 months | 0.75% |
| CD Special | |
| Term | APY |
| 15 months ($10,000 minimum) | 0.35% |
| Jumbo CDs ($50,000 minimum) | |
| Term | APY |
| 6 months | 0.25% |
| 12 months | 0.30% |
| 18 months | 0.40% |
| 24 months | 0.50% |
| 36 months Step-Up | 0.65% |
| 48 months | 0.75% |
| 60 months | 1.00% |
| Traditional IRA CDs ($2,000 minimum) | |
| Term | APY |
| 12 months | 0.15% |
| 18 months | 0.20% |
| 24 months | 0.25% |
| 36 months Step-Up | 0.40% |
| 48 months | 0.50% |
| 60 months | 0.75% |
| Jumbo Traditional IRA CDs ($50,000 minimum) | |
| Term | APY |
| 12 months | 0.30% |
| 18 months | 0.40% |
| 24 months | 0.50% |
| 36 months Step-Up | 0.65% |
| 48 months | 0.75% |
| 60 months | 1.00% |
| Roth IRA CDs ($2,000 minimum) | |
| Term | APY |
| 12 months | 0.15% |
| 18 months | 0.20% |
| 24 months | 0.25% |
| 36 months Step-Up | 0.40% |
| 48 months | 0.50% |
| 60 months | 0.75% |
| Jumbo Roth IRA CDs ($50,000 minimum) | |
| Term | APY |
| 12 months | 0.30% |
| 18 months | 0.40% |
| 24 months | 0.50% |
| 36 months Step-Up | 0.65% |
| 48 months | 0.75% |
| 60 months | 1.00% |
Money Market Rates
(rates effective 12/1/2020 and can change without notice)
| Premier Money Market ($10,000 minimum balance required to avoid monthly service charge) | |
| Amount | APY |
| $0 – $9,999.99 | 0.05% |
| $10,000 – $19,999.99 | 0.10% |
| $20,000 – $49,999.99 | 0.15% |
| $50,000 – $99,999.99 | 0.20% |
| $100,000+ | 0.25% |
Checking Account Rates
(rates effective as of 12/1/2020 and can change without notice so be aware of that)
| Vista Checking Interest is paid on account balance up to $5,000. To avoid monthly service fee you must: Maintain a minimum balance of $500 in your account at all times; and have at least one (1) direct deposit, Automated Clearing House (“ACH”) credit, remote deposit, or payroll deduction transaction of $250 or more post to your account per month; and enroll and receive electronic statements (“eStatements”). Alumni Club members are exempt from the eStatement requirement. | |
| Additional Account Terms at Vantage Credit Union | APY |
| If you do not meet all of the above account conditions and at least 20 debit card purchase transactions do not post to your account per month | 0.10% |
| If you meet all of the above account conditions and 20-29 debit card purchase transactions post to your account per month | 0.50% |
| If you meet all of the above account conditions and 30 or more debit card purchase transactions post to your account per month | 1.00% |
| Save.Think.Live. Checking * Interest is paid on account balance up to $5,000. You must be an active [at least one (1) login per month] online and/or mobile banking user; and enroll and receive electronic statements (“eStatements”) | |
| Additional Account Terms | APY |
| If you do not meet all of the above account conditions and at least 20 debit card purchase transactions do not post to your account per month | 0.10% |
| If you meet all of the above account conditions and 20 or more debit card purchase transactions post to your account per month | 0.50% |
| Legacy Checking at Vantage Credit Union** Interest is paid on account balance up to $5,000. You must have at least one (1) direct deposit, Automated Clearing House (“ACH”) credit, remote deposit, or payroll deduction transaction of $250 or more post to your account per month; and enroll and receive electronic statements (“eStatements”). Alumni Club members are exempt from the eStatement requirement. | |
| Additional Account Terms | APY |
| If you do not meet all of the above account conditions and at least 20 debit card purchase transactions do not post to your account per month | 0.10% |
| If you meet all of the above account conditions and 20-29 debit card purchase transactions post to your account per month | 0.50% |
| If you meet all of the above account conditions and 30 or more debit card purchase transactions post to your account per month | 1.25% |
Home Equity rates at Vantage Credit Union
(rates effective as of 6/24/2021 and could change without notice, so, be aware of that)
Home Equity Line-of-Credit (Valid on Missouri and Illinois property only.
There are no closing costs except for Vantage-approved home appraisals, when required.)APR as low as Up to 90% * loan-to-value. Rate can change quarterly.
Caps: 1% per quarter
Index: Wall Street Prime
Floor: 2.50%
Maximum Rate: 24.90% 3.00%
| Home Equity Loan (Valid on Missouri and Illinois property only.) | APR as low as |
|---|---|
| Up to 100% * loan-to-value. Please use their Loan Calculator to calculate your monthly payment/loan amount. | 3.49% |
Mortgage rates at Vantage Credit Union
Other Rates at VCU
(these other Vantage Credit Union rates are effective as of 6.1.2021 and can change without notice)
| CD Secured Loan (Secured 100% by a Vantage Credit Union CD, so, it’s secured.) | APR as low as 2.10% |
| Personal Line-of-Credit | APR as low as 8.90% |
| Share Secured Loan (Secured 100% by a Vantage Credit Union Regular or Special Savings account.) | APR as low as 2.05% |
Signature Loan APR at Vantage Credit Union- as low as 7.99%
Vantage Credit Union – Final Thoughts
VCU in Missouri is a great looking credit union if you are an individual who has worked for the government or has any ties to the school system. It’s not so great for businesses since their offerings are fairly limited there. They definitely care about their community and give back a lot through different charitable efforts. Overall it’s a great CU.
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
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