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314.298.0055 | 800.522.6009

Lost or Stolen Card

For Debit/ATM Cards: 866.820.8792

For Credit Cards: 866.820.3944

Mailing Address

Vantage Credit Union

19 Research Park Court

St. Charles, MO 63304-5616

Routing/Transit Number


Available Hours (CST/CDT)

Monday - Thursday



9:00 a.m. - 5:00 p.m.

9:00 a.m. - 5:30 p.m.

9:00 a.m. - Noon

How can we help you?

Frequently Asked Questions

Make sure that you’ve tapped Request Code. You should receive your code within a minute, but if you don’t, consult these tips:

  • You may have to contact your carrier to enable short codes on your device.
  • Check that your number on file is correct.

A CD (certificate of deposit)is a time deposit, a financial product commonly offered to consumers by financial institutions. Typically, CDs are insured by the NCUA for credit unions and the FDIC for banks. When insured, CDs are similar to savings accounts in that they carry less risk than equities. They are different from savings accounts in that the CD has a specific, fixed term, and usually, a fixed interest rate. It’s intended that the CD be held until maturity, at which time the money may be withdrawn together with the accrued interest. In exchange for keeping the money on deposit for the agreed-upon term, institutions usually grant higher interest rates than they do on other interest-bearing deposit accounts from which money may be withdrawn on demand. Fixed rates are common, but some financial institutions offer CDs with various forms of variable rates, like our own 36-month Step-Up CD option.

*CDs offered through financial institutions offer a fixed rate of return if held to maturity, whereas the return and principal value of an investment in equities fluctuates with changes in market conditions.

Yes, one of the great new features is the ability to register using the mobile app. The registration process is the same on a mobile device as it is on a laptop or desktop.

Please access your CURewards account through digital banking for rules regarding points usage and expiration.

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation’s central bank, the Federal Reserve, implements policies designed to manage inflation and interest rates.

Vantage members can use any of our ATMs for free! Our fee for non-members to use our ATMs is $3.00 per transaction. Please note that other fees may apply for any non-Vantage member using our ATM.

You can add checking and savings accounts you have with other financial institutions under Make A Transfer > External Accounts. Once you’ve linked external accounts, you’ll be able to use them to pay loans and make transfers to your checking and savings accounts.

You can also add an external debit card to make payments on your Vantage loans, except for first mortgages, under Make A Transfer > Pay a Loan with a Debit Card. Please note that a convenience fee applies when making a payment with a debit card.

Log in to digital banking, select your card from the Accounts screen and navigate to Card Services. Follow the Redeem link to go to the CURewards website. From the CURewards home page, choose Redeem from the tool bar and select Merchandise, Travel, or More. You can select from a variety of electronics, home and sporting goods, and personal items; purchase flights, hotels, and rental cars; request a cash deposit to your checking account or payment to your Vantage credit card; and more.

Yes, you can look at your accounts and transactions on your Apple Watch when you’re logged in to the Vantage mobile app.

Transfers between Vantage accounts will be reflected in your balances immediately.