Published: October 19, 2026

Banking Made Better

At VacationLand, we believe your finances should be as seamless as your lifestyle. From everyday banking to custom lending solutions, we are here to simplify your money management while keeping your data secure and your community roots strong. We provide our members with the smarter tools, personalized service, and financial literacy needed to take control of their future and achieve their most ambitious goals. Discover the credit union difference today.

Bank how you want, protect what matters, and plan for tomorrow. Anyone who lives, works, worships, or attends school in Erie, Huron, Ottawa, Sandusky, and Lorain counties can now join VLFCU. Five convenient locations serve the communities where you live and work. Locations include Sandusky, Hayes Avenue and Perkins Avenue branches; Huron, on University Drive; Norwalk, on Executive Drive, and Vermilion, in the Vineyard Square Plaza. As our membership grows, we will add new locations that offer the same convenient services and amenities you have come to expect from VacationLand Federal Credit Union.

Member-Exclusive Benefits, Designed with You in Mind

PERSONAL CHECKING ACCOUNTS

Our new tiered approach focuses on three offerings:

  • Essential Checking is simple and secure – everything you need. Designed for maximum simplicity and day-to-day convenience, Essential Checking is the perfect account for members who prioritize a straightforward banking experience. Enjoy the peace of mind that comes with free digital access, a free debit/ATM card, and direct deposit capability.
  • Elevate Checking offers growth potential combined with premium perks, earning 0.25% in dividends on balances of $1,500 or more. This account also provides high-value benefits, including up to five non-proprietary ATM fee waivers per month, free cashier’s checks, and money orders, and discounted safe deposit box fees. The $5 monthly service charge is easily waived by maintaining a $1,500 daily minimum balance.
  • Golden Checking is tailored specifically for our members aged 60 and better. Golden Checking combines the simplicity of our Essential account with extra benefits that reward your loyalty, earning 0.10% in dividends with no monthly service charges or balance requirements. Golden members also enjoy free digital access, free debit/AMT card with up to five non-proprietary ATM fee waivers per month, and two free boxes of checks every year to ensure a hassle-free, rewarding banking experience.

Learn more about Personal Checking

BUSINESS CHECKING ACCOUNTS

Streamlined to save you time and help your business grow. Each checking account is designed especially for local Ohio business owners.

  • Our Basic Business Checking Account requires no minimum balance to open; 100 free transactions per month and $0.10 per transaction afterward; $0.10 per deposited item; no monthly service charge; and dividend earnings.
  • VacationLand’s Business Checking Plus Account earns 2.5 times the dividends of our Basic Business Checking account; offers 200 free transactions per month and $0.10 charge for each transaction thereafter; a $0.10 charge for each deposited item; and a $10 monthly service charge which will be waived if you maintain an average daily balance of $5,000 or more.
  • Both accounts are  insured up to $750,000 (The first $250,000 is provided by the NCUA Share Insurance Fund [NCUSIF] and an additional $500,000 is made available through private insurance from Excess Share Insurance [ESI]).

Learn more about Business Checking

PERSONAL SAVING ACCOUNTS

Smarter saving is simple. Open a savings account with a minimum deposit of just $5. Your VacationLand Savings Account works as hard as you do, offering:

  • Growth: Earn dividends on balances of $100 or more.
  • Convenience: Enjoy free access to online banking, e-statements, and telephone banking.
  • Flexibility: Simplify your finances with direct deposit and payroll deduction options.
  • Security: Your savings are fully protected with industry-leading insurance up to $750,000.
  • Versatility: Our Savings Account can also be structured as a Traditional IRA or Roth IRA to help you plan for the future. You may also choose to open a Certificate Account. It allows you to pick the term, lock in the rate, and let the dividends accumulate. It is a safe investment with a guaranteed return.
  • Looking Ahead: A Youth Club Savings Account will help your teen make the most of their babysitting money, tips, or wages, and funds earn dividends. For our youngest members, we have teamed up with the Berenstain Bears® to teach responsible money management goals. Our Cub Club Account is fun, relatable, and memorable.

Learn more about Personal Savings

BUSINESS SAVING ACCOUNTS

Build your financial success with a business savings account. Options include:

  • Business Savings Accounts. Own a share of the credit union with only a $5 minimum deposit.
  • Business Money Market Plus Accounts offer competitive rates, tiered rates to maximize earnings, and checkwriting privileges.
  • Business Certificates offer competitive fixed rates, terms from three months to five years, and only a $500 minimum balance. Your money will grow while you maintain the liquidity you need to maintain your business.

Learn more about Business Savings

PERSONAL LOANS

Low rates with features designed to meet your financial needs.

Learn more about Personal Loans

BUSINESS LOANS

Capital solutions that work as hard as you do.

  • Purchase, refinance or remodel your owner-occupied real estate with a Commercial Real Estate Loan. This also applies to investment commercial real estate.
  • Our Commercial Term Loan helps you purchase fixed assets and can be used for permanent working capital.
  • A Business Line of Credit allows easy access to funds. You pay for only what you use, and offers interest-only payments.

Learn more about Business Loans

PERSONAL CREDIT AND DEBIT CARDS

Have the freedom to make purchases anywhere in the world, whenever you need. VISA® Credit Card or Debit MasterCard® services include:

  • Scorecard® Rewards.
  • Online and mobile banking.
  • Lost or stolen card reporting.
  • Fraud protection and 24/7 online account management.
  • Travel benefits.
  • In addition to our credit and debit cards, we also offer ATM transaction cards and reloadable travel cards.

Learn more about Personal Credit and Debit Cards

BUSINESS CREDIT AND DEBIT CARDS

Simplify your daily company purchases while earning bonus points for every dollar spent.

  • Visa® Credit Cards and Debit Mastercards® come with 24/7 fraud protection.
  • Visa® Credit Cards are accepted worldwide, and there is no annual fee.
  • Business Debit MasterCards® offer easy savings rebates and funds can be deducted from your business checking account. These cards can be used at ATMs worldwide.
  • Business Card Services include Scorecard® Rewards, online and mobile banking, reporting lost and stolen cards, fraud services, and travel benefits. VLFCU can also connect you to Merchant Card Services, no matter your business size, with competitive pricing and the latest technology.

Learn more about Business Credit and Debit Cards

ONLINE, MOBILE/APP, IN-PERSON, OR TELEPHONE BANKING

Whether online, using our mobile app, in-person, or using telephone banking, our priority is safeguarding your money and privacy. We use the latest internet security technologies applied in layers to address each phase of your transactions.

  • Online, you can manage your checking and savings accounts and bill payment services, receive activity alerts, transfer funds between accounts, withdraw funds via check to be printed and mailed to you, request stop payments, view account statements and tax documents, and much more.
  • With our Mobile App, you get the same online banking experience but with multiple authentication options, mobile deposit functionality, and integrated card controls.
  • If not visiting in-person, you can get started with telephone banking by calling 1-800-691-9299 or visiting your nearest branch to enroll.

FINANCIAL LITERACY

Understand your personal finances for better budgeting, saving, and investing. We have partnered with MoneyEDU to bring you a digital learning hub designed to make money management simple.

  • This program covers everything from reducing debt and building emergency funds, to mastering mortgages and retirement.
  • Learn by doing… with interactive courses that are self-paced on your own schedule.
  • Use our digital calculators to crush the numbers and learn on your phone, tablet, or laptop.
  • There are no strings attached and it’s free – a financial education for everyone.

SO MUCH MORE

  • CO-OP Shared Branching: Thousands of branches with convenient locations.
  • Safe Deposit Boxes: A safe and secure way to protect your valuables.
  • Loan Payments: Make a loan payment from another financial institution with our easy-to-use online portal. Pay using a checking account or debit card.

Whatever your requirements, we are here to help you succeed. We are a credit union that is committed to your success. We are your partner, standing by your side through every chapter of your life.

 

        

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