--- title: "Vocal Credit Union Rates - Montana" description: "Current personal loan rates from Vocal Credit Union in Montana. Updated daily with source verification. See who can join Vocal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/vocal" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Vocal Credit Union Rates - Montana ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.990% | — | Standard | Vocal Credit Union personal loan rates as of November 12, 2026 Vocal Credit Union is a credit union in Montana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/vocal) , verified from [Vocal Credit Union's official website](https://vocal.coop/) Loading branch locator… ## About Vocal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.3K Assets $52M Founded 1954 Locations reported 2 NCUA charter 68677 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Mobile check deposit - Mobile payments - Financial counseling - Financial education Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Intrepid** Helena - Great Northern Town Center · Helena · MT · 59601-3443 About 8.9 miles away](https://rateapi.dev/credit-unions/montana/intrepid) [**Clearwater** Clearwater - Helena Airport Rd · Helena · MT · 59601-1264 About 11.0 miles away](https://rateapi.dev/credit-unions/montana/clearwater) [**Frontier** Butte · Butte · MT · 59701 About 36.7 miles away](https://rateapi.dev/credit-unions/idaho/frontier) [**Horizon** Butte Branch · Butte · MT · 59701 About 36.7 miles away](https://rateapi.dev/credit-unions/washington/horizon) [**Southwest Montana Community** Butte · Butte · MT · 59701-3909 About 36.7 miles away](https://rateapi.dev/credit-unions/montana/southwest-montana-community) [**Mountain West** disaster recovery · Butte · MT · 59701 About 38.7 miles away](https://rateapi.dev/credit-unions/montana/mountain-west) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Vocal Credit Union Membership eligibility from Vocal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Vocal Credit Union's website. Check the membership page below to confirm whether you qualify. - Location beaverhead, broadwater, golden valley, jefferson, judith basin, lewis and clark, madison, meagher, powell, wheatland — MT Verified from [Vocal Credit Union's membership page](https://vocal.coop/) . Final membership determination is always made by the credit union. ## Membership rules for Vocal Credit Union Geography 10 counties 50 published paths to membership, last verified August 27, 2026, quoted from Vocal Credit Union’s own published criteria. ### Geography 10 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Beaverhead County, MT - Broadwater County, MT - Golden Valley County, MT - Jefferson County, MT - Judith Basin County, MT - Lewis And Clark County, MT - Madison County, MT - Meagher County, MT - Powell County, MT - Wheatland County, MT “Anyone who lives, worships, works in, or attends school in, and businesses and other legal entities located in Beaverhead, Broadwater, Golden Valley, Jefferson County, Judith Basin, Lewis and Clark, Madison, Meagher, Powell, Wheatland county Montana, can join Vocal.” > [source ↗](https://vocal.coop/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Vocal Credit Union? Yes No ## Work at Vocal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Vocal Credit Union ranks against Montana peers. - See which AI assistants fetched Vocal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=vocal&state=montana&code=MT&name=Vocal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Vocal Credit Union offer? Vocal Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Vocal Credit Union rates updated? RateAPI verifies Vocal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Vocal Credit Union's rate data? Rate data is collected directly from Vocal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Vocal Credit Union? Vocal Credit Union publishes its membership criteria on its own website. RateAPI tracks 50 published membership paths covering 10 counties for Vocal Credit Union, each quoted from Vocal Credit Union's own published membership criteria. ## Related Rate Data Compare Vocal Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://vocal.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Vocal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Vocal Credit Union curl "https://api.rateapi.dev/credit-unions/montana /vocal " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Vocal Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/vocal Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp