Open an account at Vital FCU

FREE* to qualifying members in Spartanburg County South Carolina

Vital Federal Credit Union gives you access to your money when and where you need it.

You can earn dividends, access your money at over 30,000 surcharge-free ATMs nationwide or one of our local branches, and more when you open your savings or checking account.

More than 7,000 members in Spartanburg and Duncan have been using Vital FCU to access their money for over 55 years.

Open your account online or visit one of our branches today TODAY to become a member and open your account.

Open An account Today

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Checking Accounts

Account	Features and Benefits	Fees
Basic Checking Get the convenience of better banking transactions at Vital FCU.	Earn dividends when you maintain a $150.00 average daily balance Offers checks, debit cards, overdraft privilege, etc.	No monthly service charges or minimum balance required when you sign up for eDocuments
Elite Checking Earn higher returns on your balances with an Elite Checking Account.	Similar to money market accounts at banks Tiered dividend system (the higher your average daily balance, the more dividends you earn) Unlimited check or debit transactions per month, unlike money market accounts Offers checks, debit cards, overdraft privilege, etc.	No monthly service charges when you sign up for eDocuments Minimum to open this account is $2,500.00 You must keep this as an average daily balance in the account to receive higher dividends
Fresh Start Checking We can help you rebuild your finances if you've been denied for an account at another financial institution.	Open to members with a credit score below 575 No minimum deposit required Offers checks, debit cards, overdraft privilege, etc. Non-dividend earning account	You are subject to a $15.00 monthly service charge Required to have a regular direct deposit
Teen Checking Help your teenager learn more about personal finances at Vital FCU.	Open to members ages 15 to 17 Visa® Debit Card (for minor only)	No minimum balance or monthly service charges required Parent or legal guardian must be joint on the account

Savings Accounts

Account

Features and Benefits

Fees

Primary Savings

Open and establish your membership with our regular "share" savings account.

Open to all members
Earn dividends when you maintain a $500.00 average daily balance
Two complimentary withdrawals per month

Member-ownership begins with a $5.00 opening balance and $1.00 membership fee
No monthly service charges
You pay a $5.00 fee when you exceed two complimentary withdrawals each month

Christmas Club

Save for the holidays year-round with this account.

Earn dividends when you maintain an average daily balance
No last-minute Christmas shopping stress

No minimum opening balance required

You can refer to our Rate Schedule for current rates and fees.

The Board of Directors sets the dividend rate each quarter.

*Vital FCU account holders may still be subject to certain fees disclosed in the fee schedule. All members may not be eligible for free checking accounts.

Come visit our credit union

IN-PERSON OR ONLINE

Visit the Vital Federal Credit Union home page

SPARTANBURG BRANCH ADDRESS

1000 Asheville Highway

Spartanburg, South Carolina 29303

PHONE NUMBERS

Work: (864) 948-8200

HOURS OF OPERATION

Spartanburg Branch:

Monday - Thursday: 8:30 a.m - 5:00 p.m.

Friday: 8:00 a.m. - 5:00 p.m.

Saturday-Sunday: CLOSED

more locations

For your convenience, a coin counter machine is located in the lobby of both branches. Access your accounts through the 24/7 VITAL ATMs at either branch or one of over 30,000 surcharge-free ATMs around the United States.

Open an account at Vital FCU

Checking Accounts

Basic Checking

Elite Checking

Fresh Start Checking

Teen Checking