802 Credit Union Bellows Falls VT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to 802 Credit Union, proudly serving the community from our branch located at 105 Westminster St, Bellows Falls, VT 05101. Established in 1953, we have grown into a trusted financial partner for over 37,000 members, helping them achieve their financial goals with personalized service and competitive products. At 802 Credit Union, we believe that every member deserves a banking experience tailored to their unique needs. With total assets exceeding $403 million and deposits amounting to $51 million, we're committed to fostering financial wellness in our community. Our dedicated team of 111 employees works tirelessly to ensure you receive top-notch service, whether you're looking for auto loans, mortgage options, or everyday banking services. Under the leadership of our CEO, Sean Gammon, and Board President, Jeff Mobus, we strive to create an environment where our members feel valued and supported. We are proud of our solid net worth of $47.8 million, demonstrating our stability and commitment to your financial future. While members can visit us at our Bellows Falls location, official correspondence should be sent to the same address. If you're interested in learning more about how we can assist you in achieving your financial dreams or if you have any questions, please don't hesitate to reach out. You can call us at 802-463-5065 or explore our offerings online at 802cu.com. Join us today and discover the difference a local credit union can make!

Branch History & Mission

At 802, located in the heart of Bellows Falls, VT, we take pride in our rich history and commitment to serving our community. Established in 1953, our branch has grown from humble beginnings into a trusted financial institution that now serves over 37,021 members. With total assets reaching an impressive $403,508,107, we have become a cornerstone of financial support in the area. Our branch is conveniently situated at 105 Westminster St Bellows Falls Vt 05101, easily accessible for all our members. Whether you are visiting us for personal banking needs or seeking guidance on your financial journey, you'll find a welcoming atmosphere that prioritizes your well-being. While members can visit us at 105 Westminster St Bellows Falls Vt 05101, official correspondence should be sent to 105 Westminster St, Bellows Falls, VT 5101. The mission of 802 is simple yet impactful: to provide exceptional financial services while fostering community support and growth. We believe in empowering our members by offering a wide range of products, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our commitment goes beyond just banking; we actively participate in local events and partner with organizations to uplift those around us. As times change, so do we. Our branch has embraced digital advancements to enhance member experiences. You can access online banking, mobile applications, and ATM services for your convenience. We also ensure accessibility for everyone, aligning with ADA compliance to serve all members effectively. Our operating hours are designed to accommodate busy schedules our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, while drive-thru services operate from 8:30 AM to 5:00 PM. Plus, we offer ATM availability for quick transactions any time of day. Join us at 802 and experience the difference that comes from being part of a community-focused credit union. Together, we can achieve more than just financial goals; we can build a brighter future for ourselves and each other. Visit us today or call us at (802) 463-5065 to learn how you can become a member!

Branch Location & Accessibility

Contact Us

Feel free to reach out if you have questions or need assistance! You can contact us at (802) 463-5065. We look forward to welcoming you at our branch soon! If you're unable to visit right away, remember that you can always explore our services online at Bellows Falls. Come see how we can support your financial journey today!

Nearby Landmarks

Situated close to local landmarks, our branch makes it easy for you to drop by while running errands or enjoying a day out. You can find us near popular spots that are familiar to the community, making your visit even more convenient.

Operating Hours

We invite you to visit us during our lobby hours from Monday to Friday, 9:00 AM to 5:00 PM. For those on the go, our drive-thru service opens slightly earlier at 8:30 AM and also operates until 5:00 PM on weekdays. This flexibility allows you to choose a time that best suits your busy schedule.

Parking and Accessibility

We understand how important accessibility is, which is why our location offers ample parking space for both members and visitors. Our branch complies with ADA standards, ensuring everyone can access our services comfortably. With ramps and spacious entryways, we strive to make your experience as smooth as possible.

Services Offered

At 802, we offer a range of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we're here to help meet your financial needs. Need cash? Our ATM is available for quick withdrawals and balance checks too!

Member Eligibility

At 802, we believe that becoming a member is like joining a caring family that values your financial well-being. If you're looking to become part of our community, you'll be pleased to know that eligibility is open to individuals who live, work, worship, or attend school in the area around 105 Westminster St Bellows Falls Vt 05101. This means you could be just a few steps away from accessing great financial products and personalized service designed to meet your needs. Whether you're interested in opening a checking account, applying for an auto loan, or just seeking advice on managing your finances, our doors are wide open to welcome you. Getting started is simple! For detailed information about the eligibility requirements, feel free to check out our resource at https://www.802cu.com/become-a-member/. Once you see that you qualify, you can easily open an account online or give us a call at (802) 463-5065 for assistance. We're excited to help you take the first step towards better banking with 802!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $174,173, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Matter

Imagine being able to accept payments seamlessly at your brick-and-mortar store or online shop. Our merchant services provide just that! You can process transactions quickly and efficiently, freeing up time to focus on what you do best growing your business. Located conveniently at 105 Westminster St Bellows Falls Vt 05101 in Bellows Falls, VT, our team is ready to help you explore the perfect banking solutions tailored specifically for your business needs. Reach out to us today at (802) 463-5065!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need cash? Our convenient ATM & Cash Withdrawal Services ensure that you have access to funds when you need them most. Plus, our Basic Drive-Thru Banking allows for easy deposits and withdrawals without leaving your car. At 802, we strive to create a welcoming atmosphere where members feel valued and supported. Our knowledgeable staff is always ready to answer questions and guide you through any service that suits your needs. To learn more about how we can help you reach your financial goals or if you're ready to become a member, don't hesitate to reach out! Give us a call at (802) 463-5065 or visit us at Bellows Falls today!

Business Banking Services

If you're a business owner, you'll appreciate our Business Banking solutions. We provide essential tools like Merchant Services & Business Loans tailored to help your business thrive. From managing daily transactions to accessing funding for growth, we've got your back.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we emphasize our Online & Mobile Banking features. You can manage your accounts from anywhere, pay bills online, and even send money to friends through our Person-to-Person Payment service. With just a few clicks or taps on your phone, banking has never been easier!

Credit Cards and Rewards

To help you make the most of your spending, we offer Credit Cards with Rewards, allowing you to earn points on every purchase. Imagine earning rewards for things you already buy it's like getting paid to shop!

Personal Banking Solutions

Our personal banking services cater to the various aspects of your financial life. We offer Checking & Savings Accounts that make managing your money simple and straightforward. You can easily set up automatic transfers to build savings or access funds whenever needed. If you're considering a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms, making it easier than ever to drive away in the car you want. For those dreaming of homeownership or looking to refinance, our Mortgage Loans & Refinancing programs are designed with you in mind. Our team will walk you through the process, ensuring you find the best fit for your situation. Additionally, if you're dealing with debt or need extra cash for unexpected expenses, our Personal Loans & Debt Consolidation services can provide the support you need.

Digital & Online Banking

Key Features

With just a few clicks, you can access our online banking services at https://www.802cu.com/. Here, you can check balances, transfer funds, and pay bills anytime, day or night. Our 24/7 online banking means that your money is always just a tap away. For those who appreciate speed and convenience, we offer person-to-person transfers. Send money to friends or family instantly without any hassle. Plus, if you're looking to go paperless, our e-statements provide an eco-friendly way to manage your account details securely right from your device.

Security First

Your security is our top priority. We employ advanced technology to protect your personal information while providing easy access to your accounts. Rest assured knowing that all transactions are safeguarded against unauthorized access. In summary, 802 offers a complete digital banking experience tailored for today's busy lifestyle. With features like online banking, mobile access, person-to-person transfers, and secure e-statements, managing your finances has never been easier. Visit us at https://www.802cu.com/ today to learn more!

User-Friendly Experience

Navigating your finances should not be complicated. Our mobile application is designed for ease of use, so whether you're checking your balance or making payments, it's all straightforward and user-friendly. You can even authorize documents electronically with our electronic signature feature no need for printing or mailing!

Financial Strength

At 802, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to ensuring your financial well-being through reliable services and robust resources. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $47,856,559, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.86% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $50,681,434 in share certificates and $29,071,619 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $33,015,009 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $3,873 in used auto loans and $301,560,635 in total loans and leases; our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $1,487,219, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 101 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $25,792,231. Total Share and Deposit Accounts: 70,608, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 802 is your trusted partner. Visit us at 105 Westminster St Bellows Falls Vt 05101 or call (802) 463-5065 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $60,208,177 in used vehicle loans and $23,387,610 in new vehicle loans, helping our members get on the road with confidence. Whether you're eyeing that brand-new model or a reliable pre-owned vehicle, our auto loan options can fit your budget and help you drive away happy.

Commercial Loans

For business owners, our outstanding commercial loans totaling $174,173 provide the capital needed to grow and expand your business operations. We understand that running a business comes with its own set of challenges, and our team is dedicated to supporting local entrepreneurs with financial solutions tailored specifically for them.

Credit Lines and Unsecured Credit Cards

If you need extra flexibility in managing your expenses, consider our credit line loans, which total $207,000,000. These lines of credit are designed for convenience and can be used as needed. Additionally, we offer flexible terms on unsecured credit card loans, with a total of $6,956,354 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make it simple to buy or refinance your home. With Junior Lien 1-4 Family Residential Properties loans totaling $45,292,444, we are here to assist you every step of the way. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, 802 is here to help! Our refinancing options are straightforward and designed with your best interests in mind. We encourage you to reach out to us for more information on eligibility and how we can assist you. At 802, we prioritize transparency and aim to support our members through every financial journey. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have any questions or would like more information about any of our loan products, please don't hesitate to contact us at (802) 463-5065 or visit us in person. We're here for you!

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802 CREDIT UNION - Bellows Falls, VT

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