Vantage Credit Union is a leading, full-service financial institution that’s owned and guided by its St. Louis-based member-owners—people just like you—and not by stockholders like at a publicly-traded bank. Because it's a not-for-profit financial institution, its member-owners enjoy better rates, lower fees and superior service. Vantage Credit Union offers a variety of products and... show more
Eligibility
Find out if you are eligible to join Vantage Credit Union.
Vantage Credit Union Reviews
5
47%
4
6%
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6%
2
6%
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35%
3.2
17 reviews
17 reviews
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Vantage Credit Union
Sakinah Bismillah @sbwassoc
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5 Star Rating
My account was hacked! I went into the 7 HILLS branch and Ms. Paris Howard was my advisor. She made me feel like I was the most important person she had ever met and that my concerns were valid. She kept asking if I had additional questions and gave me answers. One of the reasons I have kept my membership at VCU for so long is that I have NEVER had a bad experience with the staff. The customer service team has trained all of the workers to be professional, attentive, and relatable. For many years, I was an employment specialist and one of my tasks was to design and teach customer service skills. I am so impressed with VCU, I would have been proud to have been their trainer! Thank you VCU Managers and Directors!
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Product: Vantage Credit Union Business Services
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Vantage Credit Union
ms powers @Rentthehelper
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1 Star Rating
VCU disabled the automated teller (telephone banking). Members cannot call to check their balances, transfer funds, etc. Huge inconvenience.
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Product: Vantage Credit Union Checking
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Vantage Credit Union
Larry Morton @larrymorton789
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1 Star Rating
My mom is 92 years old, and over the past three years, we have had nothing but trouble with Vantage. The latest issue is that my mom tried to contact them today regarding her debit card not working. She could not get through. I have been leaving messages on their Facebook page and sending emails, and I finally got in touch with a representative from Vantage who told me that they would not call my mother back. It's one of the worst businesses I have ever dealt with. My mom has been a member since 1966 and has shown loyalty to them, which she should not. It's a shame the way they treat their members, especially my 92-year-old mother.
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Product: Vantage Credit Union Business Services
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Vantage Credit Union
melanie Brown @Melb76
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1 Star Rating
This is regarding checking and savings, this bank doesn’t have secure online banking. My mom cancelled her debit that my sister who holding and helping her out while my health continued declining. Unfortunately she was not handling mom’s finances correctly. When we move mom back from a different city, mom wanted to Cancel card have my daughter help her due she is closed to her. Money still coming missing out her account after the fact of canceling debit card. We ordered mom another debit card and had my daughter help her with getting items and pay her room board at nursing facilities.these calling for payment but has transferred to other accounts not associated with Vantage. My mother’s accounts continue in this matter even unfortunately right her passing and I even 7 days after death. Needs more security for online banking, especially if member has cancelled a debit card and they are elderly and don’t have a clue to online banking.
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Product: Vantage Credit Union Checking
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Vantage Credit Union
oliviat_14 @oliviat_14
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1 Star Rating
I left my card in the ATM on accident. I call immediately the next morning. They automatically shred cards. This isn't on the website. They already charge $5 a month for checking att fees. To order a new card, express shipping $30. However it's 2-4 business days. My card broke 2 years ago. They sent me a new card immediately, like 2 calendars days. I called on a Friday that time and this time. I'm going to First Community after this.
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Product: Vantage Credit Union Checking
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Vantage Credit Union
Kay Brown @Kaybrown874
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2 Star Rating
I’ve had an account with vcu since I was 17. Got a secured card in 2012 always pay on time. I ask to increase my limit and was asked to show proof of something I already paid off on my credit report. Discover didn’t even ask for all that plus they offer better rewards. Im asking to put an extra amount on my secured credit card with MY money, I couldn’t believe they asked for that when my credit is good. I will be closing this account. I’ve always had a good relationship with vcu but this soured it.
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Product: Vantage Credit Union Credit Cards
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Vantage Credit Union
Willis @willisj
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5 Star Rating
Verified Customer
I use the card to shop pay bills etc, by using it to get points and gifts and cash in return. Paying it in full, I pay no interest.
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Product: Vantage Credit Union Credit Cards
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Vantage Credit Union
Willis @willisj
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5 Star Rating
Verified Customer
Gives the opportunity to get money for projects located in the community and therefore connected and more involved makes for a better lending and banking
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Product: Vantage Credit Union Personal Loans
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Vantage Credit Union
Mary @memarybee
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5 Star Rating
Verified Customer
I have not had any really bad experiences with VCU. I did have one late payment charged to my account that I believe was because of a glitch in their online payment system..I did not know that the payment did not go through as stated on my account on the day I paid my bill..but was discovered when I went back into my account to pay the following month and there it stated I owed twice the normal amount owed..of which then I paid both payments and was caught up. but the over 1-month late payment has been added to my credit report.
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Product: Vantage Credit Union Car Loans
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Vantage Credit Union
Shirley Schubert @schubert5807
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1 Star Rating
Vantage has gone modern technology. The staff is nice. The practices stink. I cant cash a check for $s and cents. I get the cash back but the cents gets deposited in my savings account. If I cash a check for $100 and ask for tens and twenties, you will only give me twenties. I then have to go back out of the cubby to a real teller to get tens. I dont like talking to a screen. The new process takes longer. We have been Vantage members for over 30 years. We are changing banks. I dont carry my checkbook and now I have to memorize the account number. My husband had the same issues plus other issues. We are not happy customers.
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Product: Vantage Credit Union Business Services
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Vantage Credit Union
john k @JohnnyB391
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1 Star Rating
Been a vantage customer for over 15 years. had the great misfortune of speaking with a Cindy Fitzgerald at the O'Fallon Branch, who was not only rude but actually asked me what I needed my money for after asking me if it's okay to hold a standard paycheck when I had well over twice the amount in savings. She has no business dealing with the public, but i can foresee a bright future for her in the custodial arts.
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Product: Vantage Credit Union Checking
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Vantage Credit Union
Vanessa James @tabbie_tackett
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5 Star Rating
Vantage is a wonderful financial institution. I had a couple of different banks before I switched to Vantage. Both of which left a lot to be desired in the performance area. The staff at Vantage is very knowledgeable, helpful, and friendly. Setting up my checking/savings account at Vantage was a breeze and I felt my rep was very thorough, she made the process fun and easy. I absolutely love Vantage and hope to be a customer here for a very very long time.
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Product: Vantage Credit Union Checking
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Vantage Credit Union
Emerald Williams @emerald_williams_714
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4 Star Rating
Vantage is a great credit union, although their customer service has deteriorated greatly in comparison to when I first joined. I have been a member for over 10 years, and they are the first institution that introduced me to a lot of money managing workshops and tips that have helped with looking at different ways to manage money. The loan representatives at certain branches are very friendly, and greet you by name at times as soon as you walk in the door, which is very admirable. They sponsor different events for the community and award annual scholarships to high school seniors, further showing their support of high school education. Overall, I like Vantage, and they are a good community credit union.
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Product: Vantage Credit Union Savings & CDs
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Vantage Credit Union
Richard Washington @whatuplux
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5 Star Rating
I have been a member with Vantage Credit Union now for for almost 7 years. I first became a member when I was only 17 years old and had just landed my first job. Theyd had a lot of promotions, dship opportueals and scholarship for young adults. Now that I am almost 26 years old with a family of my own, I trust none other than Vantage Credit Union for my financial needs. They are friendly, the customer service is excellent and they have financial planing advisers if you ever find yourself in need of a loan (or planning a big event like a wedding!) They are a privately owned small credit is constantly growing and expanding to better help their customers. Hands down the best in the St. Louis area!
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Product: Vantage Credit Union Checking
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Vantage Credit Union
Michael Meza @mmaize7
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3 Star Rating
Vantage Credit Union is a great company! I opened up a credit card with them last year and I still have the card. They have amazing customer support and there are no hidden fees on the card. I mainly use the card for gas.
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Product: Vantage Credit Union Credit Cards
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Vantage Credit Union Offers
Business Services
Car Loans
Checking
Credit Cards
Home Equity
Investments
Mortgages
Personal Loans
Prepaid Cards
Savings
CDs
Student Loans
Vantage Credit Union Q&A(5 questions)
Get answers to your questions about Vantage Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
To set up an automatic transfer from another bank to your Vantage Credit Union account, follow these steps:
Log in to Your External Bank Account: Access the online banking platform of the bank from which you want to transfer funds.
Locate the Transfer or Bill Pay Section: Look for options like "External Transfers," "Bill Pay," or "Send Money."
Add Your Vantage Credit Union Account: Enter your Vantage Credit Union account details, including Vantage Credit Union's routing number, and your Vantage account number.
Verify the Account: Some banks may require verification by sending small trial deposits to your Vantage account. Once you see these deposits, confirm the amounts in your external bank's platform.
Set Up the Transfer: Choose the frequency (e.g., one-time, weekly, monthly) and the amount you want to transfer. Confirm the details and schedule the transfer.
Monitor the Transfer: Check both accounts to ensure the transfer is processed correctly.
For additional assistance, you can contact Vantage Credit Union's customer support or visit their website for more details.
The membership requirements at Vantage Credit Union include geographic location, employment, or family ties. Here's a clear breakdown of the requirements:
Geographic Eligibility: You must live, work, worship, or attend school in St. Louis, St. Charles, Jefferson, or Franklin Counties in Missouri, or in St. Clair or Madison Counties in Illinois.
Employment: You must be an employee, retiree, or affiliate of an educational institution in one of 13 additional Missouri counties or certain Illinois districts, or belong to one of the select employee groups served by Vantage Credit Union.
Family: You must be an immediate family member of a current Vantage Credit Union member, including a spouse, child, sibling, parent, grandparent, aunt, uncle, niece, nephew, first cousin, or legal guardian, as well as step, in-law, or legally adoptive relationships.
To apply for membership, eligible individuals can do so online. During the application process, applicants will need to provide personal information such as their name, address, Social Security number, and government-issued identification.
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