Welcome to the Vocality Community Credit Union, established in 1979. We are a not-for-profit but for service financial cooperative. We are located in Garberville, in the heart of the Redwoods. We are dedicated to providing our members the highest level of financial services. Strong and growing, we offer excellent borrowing and savings programs and are dedicated to educating people to be wise consumers and smart money managers. VCCU was formed to serve people who live, work or worship in a geographic community. People who join a credit union are called members and they are the institution's owners. So, instead of paying dividends to a group of stockholders, earnings are returned to members in the form of lower rates and fees, and higher savings account rates and expanded services. VCCU membership is a great benefit that will help you save money.Vocality Community Credit Union is an Equal Housing Lender and federally insured by NCUA.