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VULCRAFT EMPLOYEES

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VULCRAFT EMPLOYEES Rates & Review April 2026

Q: How many branches does VULCRAFT EMPLOYEES operate?

VULCRAFT EMPLOYEES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join VULCRAFT EMPLOYEES?

Yes, to access services at VULCRAFT EMPLOYEES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, VULCRAFT EMPLOYEES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, VULCRAFT EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 2, 2026

You can compare VULCRAFT EMPLOYEES rates to other rates in our database, including 12-month share certificate rates currently at 3.75%, 6-month share certificate rates at 1.10% and 3-month share certificate rates at 0.05%. Savings rates are at 0.02% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to VULCRAFT EMPLOYEES rates. MonitorBankRates evaluates the financial stability of VULCRAFT EMPLOYEES with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.98%. Rates were last updated on 04/02/2026.

VULCRAFT EMPLOYEES money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at VULCRAFT EMPLOYEES? Share your experience about VULCRAFT EMPLOYEES by leaving a review below, or read customer reviews before you decide to use VULCRAFT EMPLOYEES.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.98%

Excellent Higher than avg

Cape Cod Five Cents Savings Bank
VULCRAFT EMPLOYEES FEDERAL CU

6610 COUNTY ROAD 60A
Saint Joe, IN 46785 9601

http://vulcraftfcu.com

Current Rate Availability

We do not have VULCRAFT EMPLOYEES rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for VULCRAFT EMPLOYEES is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather VULCRAFT EMPLOYEES rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with VULCRAFT EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VULCRAFT EMPLOYEES

Website http://vulcraftfcu.com

Address 6610 COUNTY ROAD 60A, Saint Joe, IN 46785 9601

Phone 260-337-1808

Fax 260-337-1801

President Joseph Barker

CEO LINDA YODER

Full-Time Employees 0

Part-Time Employees 3

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.98%

Return on Assets (ROA)

0.8498%

Return on Equity (ROE)

6.2795%

Non-Performing Loans Ratio (NPL)

1.31%

Total Assets

6,215,142

Total Amount of Shares and Deposits

5,347,885

Total Shares and Deposits < 1 Year

5,347,884

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,347,885

Total Interest Expense (Sum of items 6 8)

74,492

Share Certificates

133

Number of Accounts for Share Drafts

160

Number of Accounts for Regular Shares

1,467

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

784,819

Total Liabilities

5,374,035

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About VULCRAFT EMPLOYEES

Is VULCRAFT EMPLOYEES a safe place to deposit money?

Yes, VULCRAFT EMPLOYEES is considered a safe financial institution. With a Texas Ratio of 6.9793843721164%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does VULCRAFT EMPLOYEES operate?

VULCRAFT EMPLOYEES currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join VULCRAFT EMPLOYEES?

Yes, to access services at VULCRAFT EMPLOYEES, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, VULCRAFT EMPLOYEES does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, VULCRAFT EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does VULCRAFT EMPLOYEES offer online and mobile banking?

Most modern institutions like VULCRAFT EMPLOYEES provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://vulcraftfcu.com.