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Personal Accounts

No matter what your goals, our personal checking and savings accounts can help you get there. Online banking, bill payment, mobile banking and eStatements make it easier to keep your financial life on track. Your deposits are Federally insured to the maximum amount by the National Credit Union Administration (NCUA). When you visit Catholic Vantage Financial, you can expect a warm and memorable experience delivered to you by the industry’s most caring and professional staff of experts. Everything we do is about you. Visit us today and experience Catholic Vantage Financial, and once you do you’ll know where you will bank for life.

How to Join

Checking Accounts

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Our personal checking and savings accounts are designed to help you achieve your financial goals. Online banking, bill payment, mobile banking and eStatements make it easier to keep your financial life on track. Your deposits are federally insured to the maximum amount by the National Credit Union Administration (NCUA).

Our Checking Account Features


  • Mobile Banking with Mobile Deposits
  • Add your Debit Card to mobile wallets (Apple Pay Information)
  • eStatements and eAlerts. Enroll through online banking.
  • Over 30,000 surcharge-free ATMs
  • No Minimum Balance required
  • FREE first box of checks
  • Free Online Banking and Bill Pay Service
  • 24/7 Audio Teller (888) 588-8355
  • Shared Branch / CU Service Center Locations – over 5,000 nationwide
  • Order checks online

More ATMs at more convenient places.


Now you can get cash surcharge-free at more ATMs than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money.

  • Use surcharge-free ATMs at places like 7-Eleven®, Costco® and Walgreens
  • Make deposits at nearly 9,000 ATMs
  • Never pay a surcharge at participating locations when your ATM card has the CO OP logo on the back
  • Locate an ATM wherever you are—through any of our easy locator tools, including phone, mobile app, text messaging or Internet

Find a surcharge-free ATM right now at co-opatm.org or call 1-888-SITE-CO-OP.

Overdraft protection

Overdraft protection allows you to protect your checking account from transactions being returned due to insufficient funds. Catholic Vantage Financial offers a number of options for you to choose from:

1. Link your checking account to another Catholic Vantage Financial account
2. Establish an Overdraft Line of Credit
3. Leverage Courtesy Pay

At Catholic Vantage Financial, everything we do is about you. We are here to help you every step of the way – contact us today to learn more!

Additional Services for Members

Money Orders
Savings Bond Redemption
Wire Transfers
Direct Deposit
Night Depository
Postage Stamps
Notary Public Service
Signature Guarantee
Auto and Homeowners Insurance
Credit Life and Disability Insurance
Accidental Death Insurance
Group Life Insurance

Savings & IRA Accounts

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Personalize your savings portfolio by choosing the plan that’s right for your financial needs. All of our accounts offer the convenience of direct deposit from your paycheck. Best of all, our savings accounts earn you competitive dividends and rates.

  • Personal Savings –Basic membership savings. Available to open with only a minimum balance of $5.
  • Youth Savings Youth accounts (Age 16 and under) incur no fees and earn higher dividends for balances up to $1,000. Youth savings accounts can be accessed to at our Student Credit Unions.
  • Share Certificates –Lock into competitive rates declared quarterly. Terms range from six months to five years. You can ladder your certificates to provide liquidity and better returns.
  • Individual Retirement Accounts (IRAs) –Leverage income tax advantages and build a nest egg for retirement purposes. Start with an IRA savings account. Dividends are declared quarterly. Grow into IRA Certificate Accounts with terms from six months to five years. Traditional and ROTH IRAs available.
  • Coverdell Education Savings Accounts – Start saving for your child’s education. Funds can be used for Catholic school and college. When you’re ready, the amount withdrawn is tax-free if used for qualified education expenses.
  • Money Market Accounts –Our competitive rates and tiered dividend structure return higher yields on larger balances. Funds are available for withdrawal at our office at any time. (Limited check access – three per month. Fees may apply to additional checks written.)
  • Club Accounts –Christmas and vacation club accounts can help you prepare for a family trip or holiday expenses.piggybank

Student & Youth Accounts

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At Catholic Vantage Financial, we are dedicated to financial literacy along with providing the tools and resources that will prepare youth as they advance into adulthood.

HELP YOUNG PEOPLE LEARN ABOUT MONEY AND FINANCES AT YOUR CATHOLIC SCHOOL.

Learn about Catholic Vantage Financial’s award winning program for Catholic schools. For information on adding this program to your school contact Jen Galatis (734) 432-0212 Ext 210 / mailto:jgalatis@mycvf.org

Youth Accounts

When kids learn about savings at an early age, they make better choices about money, budgeting, and setting financial goals for the future. That’s why we’ve developed Youth Programs through our schools and Youth Accounts at the credit union. Youth Accounts are designed to teach children and young adults, 16 years of age and under, the benefits of saving. To open a Youth Account, only a $5 minimum deposit is required. In addition to learning the value of saving money, Youth Account Savers receive:

  • A higher dividend rate for the first $1,000
  • A small gift item (sticker, pencil, toy) with every deposit
  • Special gifts, contests and prizes during the year
  • All regular account service charges are waived for Youth Accounts

Teen Checking (ages 14 -17)

We’ll help your teen learn how to manage money with a Teen Checking Account. Accompany your teen to our office to talk with one of our professional staff about how to keep track of deposits, withdrawals, and how to balance a checkbook. We work with you to explain the rewards of responsible banking and set-up limits to maintain controls. Requires an adult joint owner.

  • No monthly service fee s and no minimum balance required.
  • Five free ATM withdrawals per month will help teach responsible habits. Plus, use any of the over 30,000 CO-OP Network ATMs surcharge-free!
  • Debit Card Controls —Daily limits help to discourage over use.
  • Real-World ExperienceWith your permission, your teen can manage their account with online banking, phone banking, and mobile banking.

College / Young Adult Accounts

We’ve designed an account to handle the finances for young adults and provide peace of mind to parents. It offers everything a college student or young adult needs for financial security, including a Debit/ATM Card, a Checking Account and a VISA Credit Card. Additional benefits:

  • Free Mobile Banking, mobile deposits, eAlerts, eStatements, and a Debit card that can be used with ApplePayTM
  • No minimum balance and no monthly service fee
  • An ATM Network with over 30,000 surcharge-free ATMs
  • Thousands of Shared Branch Locations
  • Audio Teller, Online Banking and Mobile Banking will help keep your accounts up to date.
  • A VISA Credit Card can help establish credit and pay for small expenses. Young adults age 18 and older can apply. If you have not yet entered the workforce, you may need a co-signer.
  • First time car-buyers get better rates and a walk through about establishing credit from Catholic Vantage Financial. Young adults age 18 and older can apply. If you have not yet entered the workforce, you may need a co-signer.
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