COVID-19 related updates

Monday, March 16, 2020

COVID-19 related updates



Our Lobby is now CLOSED to help us comply with CDC requirements. Access will be granted to those who are feeling well Monday-Friday by APPOINTMENT ONLY.

 Upon arrival, please knock and wait for someone to open the door. After entering the lobby, please wait behind the yellow line.


We greatly appreciate your compliance with the following guidelines:

  • Call ahead so we can prepare your more time-consuming transactions.
  • Please keep interactions to a minimum.
  •  The lobby will be entirely closed on Saturdays, sorry no appointments.

LOANS - Contact Andrew

  • Apply online or drop off application with your contact information.
  • He will then phone or email you with any questions and/or to make an appointment to sign loan papers.


  • Open normal hours
  •  Because of expected higher traffic we ask that you please call ahead, especially if needing multiple transactions. We can then have them ready and waiting for you. If the money is in your account, we can have everything prepared ahead and ready to hand off in an envelope after you sign your receipt.


  • Call and arrange for paperwork to be picked up or mailed to you.
  • Bring all the forms back filled out. We will ask you to come back later or wait outside while we create the account on our system.
  • After account is set up, someone will call to ask you to come back in to scan your ID and make the initial deposit.


  • Counting loose change
  • Selling stamps
  • Public restrooms
  •  Document shredding

We regret the inconvenience of these temporary changes to our policies and greatly appreciate your understanding as we strive to do our part to protect the health and safety of our community.


Click here to learn about our wide range of remote banking options



Banking from home

Friday, March 13, 2020

Alternatives to Lobby Business

Vermillion Federal Credit Union is all about community. We love to visit with our members whenever they stop by the branch. However, as you are surely aware, the novel coronavirus has arrived in South Dakota and guidance from the CDC suggests good hygiene and "social distancing" are the most effective ways individuals can help limit the impact of COVID-19.

Your credit union has long-established and robust plans in place to ensure your accounts remain secure and accessible during even very severe disasters and pandemics. To assist you in developing your own plans about how to limit face-to-face interactions when conducting routine banking activities, we've put together this brief list of remote alternatives to common lobby business and teller transactions.


· Check deposits – Use Remote Deposit Capture (deposits processed at 10AM and 4PM, Mon-Fri), or mail checks to us with deposit instructions

· Cash deposits – Deposit in night drop with deposit instructions

· Payroll depositsRemote Deposit Capture, or set up direct deposit via ACH



· Cash withdrawals – ATMs (no-fee ATM locations), or get cashback w/ purchase

· Money orders – These can be mailed to member address on file

· Counter checks/ boxes of checks – Can be mailed



· Applications – Apply via Online Banking, our Mobile App, or website

· Loan payments – Mail a check, use night drop, or transfer from VFCU checking or savings (via Online Banking, Mobile App, or phone call)



· Form signing – Fax, mail, or secure email


Account activity

· Account balances – Online Banking, Mobile App, or phone call during business hours

· Account activity – Online Banking, Mobile App, or phone call during business hours (printouts can be mailed)



· Card issues – Phone call to office or our after-hours card number (866-664-9364)

· Prepaid card reloads – Phone call during business hours


If any of these options are unfamiliar to you, you can find more information about all of them on our website or by giving us a call here at the branch at (605) 677-5214.

Scholarship Opportunities!

Friday, January 24, 2020

The Credit Union Foundation of the Dakotas will award twenty $500 scholarships to credit union members in the Dakotas pursuing higher education!

Applicants must have been credit union members for at least one year and either be currently attending an accredited college, university, or technical/vocational school, or planning to enroll in the fall. Applications must be postmarked by March 31. Scholarship winners will be announced in May 2020.

Please download your scholarship form and follow the eligibility and application requirements. If you have any questions, please contact Lori Welder, Executive Director of the Credit Union Foundation of the Dakotas, at 701.250.3968 or


The South Dakota Retailers Association is also offering scholarships again this year. Last year the amounts awarded ranged from $2,250 to $3,000 per scholarship!

The SDRA scholarship defines a "retail/retail-related field of study" quite broadly for the purposes of eligibility. Accounting, Auto Mechanics, Computer Science, Culinary Arts, Heating/Ventilation, and Sales/Marketing Management are all listed as examples of eligible programs.

For more information, visit

Mobile Wallet Support!

Tuesday, January 14, 2020

Mobile wallet payments offer a secure and convenient alternative to plastic cards. As of today, you can now store your VFCU debit card in your Google Pay, Samsung Pay, or Apple Pay mobile wallet and use it anywhere these payments are accepted!

Holiday Loan Specials!

Friday, November 1, 2019

Happy Holidays!

If your budget is looking a little tight this holiday season, consider applying for a Holiday Loan or signing up for our popular Holiday Skip-a-Payment program. This year, we're offering a special 6% APR on all approved Holiday Loans.

To qualify, loans must be written in November, December, or January and must be payed off before the end of December 2020. Also, if you already have a loan with us and have made at least six payments, you may be eligible to skip a payment in November, December, or January without penalty.

Additional information on both specials can be found here.

New Tougher Cards!

Monday, August 26, 2019

After receiving several reports of debit cards wearing out too quickly, we’ve arranged to begin replacing them with more durable stock. The new cards will look different and feel sturdier but not change in any other way. They’ll still be Mastercard debit cards and your card number won’t change. When your current card reaches its expiration date, you’ll receive one of the new ones in the mail at no charge. If you want or need to replace your card before then, just give us a call and we’ll order you one of the snazzy new ones for just $10!


Thank you to the members who let us know about their cracked cards and trouble swiping. We strive to provide only the best products and services to our members. Your feedback is how we know if we are meeting that goal.

2018 Annual Report

Thursday, April 11, 2019

Our 2019 annual meeting was held at the Credit Union office at 4:00 PM on Wednesday, April 10th. If you weren't able to attend, you may be interested in checking out our 2018 Annual Report. In it you'll find reports on our finances, the minutes from our 2018 annual meeting, and our plans for the future.

Sadly (for those who couldn't attend), we ate all of the beautiful and delicious cake that Dulci Kickland made for the meeting - so all I can share of that is this photo:

Member Rewards Points

Friday, April 5, 2019

Member Rewards Points Program


As of April 1st (no foolin'!), our new Member Rewards Points system has been activated!

We're always looking for new ways to reward our member-owners for being loyal, active members of their credit union. Now you will be able to earn prizes, waive fees, and even receive lower interest rates and higher deposit rates just for using the services you already appreciate!

Points will accumulate in your account each month and never expire. You can log in to online banking to see how many you’ve received so far and how you earned them. If you’re interested, you can also see ways that you could earn even more!

You’ll earn points for such things as:  More than 10 years of membership, a term share investment (CD),  a sub savings account, balances over $1,000, a loan, using your credit card or debit card (the more you use it the more points you get!), active online banking, enrolling in E-Statements, E-Notices, Bill pay, mobile text banking, mobile web banking, a valid email address, automatic payroll or ACH deposits of at least $1,000, and payments made by AFT or ACH. You will lose points if you have a negative balance, a delinquent loan of 30 days or more, or a wrong address.


Here’s a list of our current Rewards Points Prizes:



Points Needed

Postage Stamp


Cinnamon Mints


Four Counter Checks




Money Order




12 oz Travel Tumbler


Travel Blanket


Insulated Tote Bag


Long-sleeve T-Shirt


Free Card Replacement


Waive late loan payment fee


Bluetooth Speaker


Free Box of Checks


8000 mAh Power Bank


Waive Wire Transfer Fee


Waive Stop Pay Fee


Waive NSF/Non-return Fee


0.25% Off Loan Rate


0.25% Above CD Rate


0.375% Off Loan Rate


0.375$ Above CD Rate


0.50% Off Loan Rate


0.50% Above CD Rate


0.75% Off Loan Rate


0.75% Above CD Rate


1.00% Off Loan Rate


1.00% Above CD Rate



*Please be advised that prizes are subject to availability and that we reserve the right to change this list without notice.



SDRA Scholarship opportunity!

Monday, February 11, 2019

As a member of the South Dakota Retailers Association, we recently received notice that the SDRA Scholarship Program is planning to award thousands of dollars to support the education of those who intend to pursue retail-related careers. "Retail-related" is quite broadly defined with future pharmacists, HVAC professionals, culinary artists, and auto repair technicians all qualified to apply!

Applications and eligibility information are available at

Avoid Identity Theft, do your taxes early!

Wednesday, February 6, 2019
The number one source of reported identity theft is fraudulent tax returns. Do your part to protect yourself and do your taxes early! Not only will you be exposed to less risk, you'll get your return faster and sooner or have extra time to pay the taxes that you still owe. Plus you won't have to stress over doing your taxes all Spring if you do them now!
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Visit Sallie Mae's website to learn more about financing your education.

Drive-up Hours

Mon - Thurs: 8 a.m. to 5 p.m.
Fri: 8 a.m. to 5:30 p.m.
Sat: 9 a.m. to 12 noon

Lobby Hours

Mon - Fri: 9 a.m. to 5 p.m.
Sat: 9 a.m. to 12 noon

105 East Cherry Street
Vermillion, SD 57069

Tel: (605) 677-5214
Fax: (605) 677-5449

This Credit Union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. © Copyright 2020
Vermillion Federal Credit Union

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