If you’re looking for a financial institution that values your voice and supports your goals, you might considar joining Vocality Credit Union. As a member-owned cooperative, Vocality CU aims to empower its members with affordable, accessible, and responsible financial services.
In this article, we’ll explore the history, mission, products, and benefits of Vocality CU, as well as some tips on how to join and use its services. By the end, you should have a better understanding of what Vocality CU can offer and whether it’s a good fit for your financial needs.
History and Mission of Vocality Credit Union
Vocality Credit Union was originally chartered in 1951 as the “Providence Telephone Workers Credit Union” to serve the employees of the New England Telephone Company in Rhode Island. Over time, the credit union expanded its membership criteria to include the families of its members, and then the residents of several counties in Rhode Island and Massachusetts.
In 2014, the credit union changed its name to “Vocality Credit Union” to reflect its commitment to serving a broader community of people who share common interests and values. Today, Vocality CU serves over 12,000 members and has over $130 million in assets.
Vocality CU’s mission is to “provide high-quality financial services that are convenient, affordable, and responsive to the needs of our members, while maintaining the safety and soundness of the credit union.” To achieve this mission, the credit union focuses on five core values:
- Member focus: putting members first in all decisions and actions
- Integrity: adhering to ethical and professional standards and practices
- Teamwork: collaborating to achieve common goals and objectives
- Innovation: embracing new ideas and technologies to improve services and processes
- Community involvement: supporting and participating in local initiatives and organizations
Products and Services of Vocality Credit Union
Vocality Credit Union offers a range of financial products and services that are designed to meet the diverse needs of its members. These include:
- Savings accounts: various types of accounts that earn competitive dividends and allow members to save for short-term or long-term goals
- Checking accounts: free and low-cost accounts that offer convenient access to funds and features such as online banking, mobile banking, and bill pay
- Loans: various types of loans that offer competitive rates, flexible terms, and convenient application and approval processes, such as auto loans, personal loans, home equity loans, and credit cards
- Mortgages: a full range of mortgage options for first-time homebuyers, refinancers, and home equity borrowers, with expert guidance and support throughout the process
- Investment services: access to a team of experienced financial advisors who can help members plan and manage their investments, retirement accounts, and insurance needs
- Business services: specialized products and services for small businesses, including business checking, loans, credit cards, and merchant services
products and services
In addition to these core products and services, Vocality CU offers various benefits and features that set it apart from other financial institutions. These include:
- No or low fees: Vocality CU strives to keep its fees as low as possible and offers many services for free, such as e-statements, online banking, and mobile banking. Some accounts also offer fee rebates or rewards for meeting certain criteria, such as using direct deposit or making a certain number of transactions per month.
- Shared branching and ATMs: Vocality CU is part of a nationwide network of credit unions that allows its members to access over 30,000 surcharge-free ATMs and 5,000 shared branches across the country. This gives members the convenience of banking wherever they are and
If you’re interested in joining Vocality CU, you can check its website for the eligibility criteria and the application process. You may need to open a savings account with a minimum deposit, provide some personal and financial information, and agree to the credit union’s terms and conditions. Once you become a member, you can start enjoying the benefits of being part of a cooperative that puts your interests first.
Whether you need a savings account, a loan, a mortgage, or investment services, Vocality CU has you covered. With its competitive rates, convenient features, and personalized support, you can achieve your financial goals with confidence and peace of mind. So why not give Vocality CU a try and see how it can help you reach your full financial potential?