FAQ

What are the office hours?

M-Thurs. 8:30am-5:00pm
Fri. 8:00am-5:00pm

What type of consumer loans do you offer?

We offer a variety of loans such as: personal loans, new and used vehicles, boats, RVs and motorcycles, VISA classic and platinum cards, Home Equity Lines of Credit and Share Secured loans.

How do I apply for a consumer loan?

You may apply for a consumer loan by calling either branch, in person, or online.

Who can join VITAL FCU?

Any one that lives, works, worships or attends school in Spartanburg County may join VITAL FCU.

Why did you change your name to VITAL FCU?

After studies and research, we discovered the current name had limitations and barriers. We wanted to position the credit union positively for healthy, sustainable growth and still remain authentic and true to our beginning. VITAL represents a new energy within our credit union and the opportunity to build our membership base by reaching a greater number of people in the community.

What is the difference between a VISA debit card and a VISA credit card?

When using a debit card, the money is drawn from your checking account. The amount of the purchase must be available in the account at the time the purchase is made. When using a credit card, the funds are borrowed against your available credit card line. That money is paid back with monthly payments.

What is the difference between a credit union and a bank?

Credit Unions can charge lower rates for loans as well as pay higher dividends on savings because they are nonprofit cooperatives. Rather than paying profits to stockholders, Credit Unions return earnings to members in the form of dividends or improved services.

Wire-in instructions

VIZO Financial 1201 Fulling Mill Rd Middletown, PA 17507 ABA# 231387550, credit to VITAL FCU ABA # 253279785 final credit to: (your name and account number).

Discover more of what your Vital Federal Credit Union has to offer!

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Member Benefits

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Great Rates

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Mobile Banking

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Home Equity Loans

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Due to system upgrades, you may experience intermittent down times over the next few weeks. We appreciate your patience in this matter. Florida and Ohio have been blocked for Visa debit card transactions due to fraud. Learn more