802 Credit Union Townshend VT | Affordable Vehicle Loans & Drive-Thru Banking

Introduction

Welcome to 802, your trusted credit union located at 1154 Vt Route 30, Townshend, VT 05353. Since our establishment in 1953, we have proudly served the community, growing to a membership of over 37,000 individuals who rely on us for their financial needs. With total assets exceeding $403 million and total deposits of $51,268,780, we are committed to providing personalized banking solutions that help our members thrive. At 802, we believe in building strong relationships with our members. Our team is dedicated to ensuring you receive the best possible service and support for all your banking needs. Under the leadership of our CEO, Sean Gammon, and Board President, Jeff Mobus, we strive to make a positive impact in our community while maintaining a healthy net worth of $47,856,559. While members can visit us at our branch location, official correspondence should be sent to PO Box 625, Townshend, VT 5353. We invite you to explore our range of services including personal banking accounts, auto loans, mortgage options, and business banking solutions all designed with your best interests in mind. Whether you're looking for assistance with loans (we currently manage over 17,689 loans) or simply want to ask questions about your account, our friendly staff is here to help. You can reach us at (802) 365-7272 or visit our website at www.802cu.com for more information. Join us as we continue to grow and support each other in achieving financial well-being! Come see what makes us different your journey towards better banking starts here at 802.

Branch History & Mission

At the heart of Townshend, Vermont, lies the proud legacy of 802. Established in 1953, this credit union has served as a beacon of financial support and community connection for over 70 years. With a commitment to fostering growth and providing exceptional service, 802 has become an integral part of the lives of its members. Located at 1154 Vt Route 30, our branch is easily accessible for those in the surrounding area. Whether you're coming from the bustling center of Townshend or nearby Windham County landmarks, we welcome you to step inside and discover what makes us unique. From humble beginnings, 802 has grown significantly. Today, we proudly serve over 37,000 members and manage assets totaling $403,508,107. This growth reflects not only our dedication to providing reliable financial services but also our deep-rooted mission to uplift our community. Our members are not just account holders; they are part of our family. Our mission at 802 is simple yet powerful: to provide affordable financial solutions while enhancing the lives of our members and contributing to the prosperity of our community. We offer a range of services including personal banking, auto loans, mortgages, and business banking options. We believe that everyone deserves access to quality financial products that can help them achieve their goals. While members can visit us at 1154 Vt Route 30 Townshend Vt 05353, official correspondence should be sent to PO Box 625, Townshend, VT 5353 for your convenience. Our branch features modern amenities, including ATM access and drive-thru banking services, making it easier than ever for you to manage your finances on your terms. In line with our commitment to innovation, we have embraced digital advancements such as online banking and mobile applications that allow you to bank anytime, anywhere. We're also dedicated to ensuring accessibility for all our members by complying with ADA standards. Beyond banking, we actively engage with local organizations through partnerships and outreach efforts that aim to support education, health initiatives, and economic development in Townshend. We believe that when our community thrives, we all benefit. As we continue on this journey together, we invite you to join us at 802. Experience firsthand how being a member means more than just having an account; it's about belonging to a supportive community focused on your financial well-being. Visit us today or give us a call at (802) 365-7272 we're excited to help you reach your financial dreams!

Branch Location & Accessibility

Accessibility Features

At our Townshend branch, we prioritize accessibility for all members. Our location features ADA-compliant entrances and ramps to ensure everyone can visit us comfortably. We also offer ample parking right by the entrance, so you won't have to worry about finding a spot.

Operating Hours

We understand that life can get busy, which is why we've designed our operating hours to fit your schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, and on Friday, we're open until 5:30 PM. Just keep in mind that our lobby is closed daily from 1 PM to 2 PM for a lunch break.

Services Offered

When you step inside the branch, you'll find a welcoming atmosphere where our team is ready to assist you with personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Plus, if you're on the go, we have an ATM available for quick cash withdrawals and balance checks anytime. If driving is more your style, don't forget about our convenient drive-thru service for deposits and simple transactions perfect for those busy days when you need to bank without leaving your car! While members can visit us at 1154 Vt Route 30 Townshend Vt 05353, official correspondence should be sent to PO Box 625, Townshend, VT 5353. Feel free to call us at (802) 365-7272 if you have any questions or need assistance. We're excited to help you achieve your financial goals! Come see us today!

Member Eligibility

Becoming a member of 802 is like joining a family that truly cares about your financial well-being. If you live, work, or attend school in the Townshend area, you're already on your way to enjoying all the benefits we offer. We welcome everyone who shares our community values, so whether you're a first-time bank user or someone looking for a better financial partner, we're here for you. For detailed eligibility criteria, feel free to check out our membership page. Opening an account with us is simple and straightforward! You can visit us at our branch located at 1154 Vt Route 30 Townshend Vt 05353, or you can start the process online by following this link: Account Opening. If you have any questions along the way, don't hesitate to reach out to us at (802) 365-7272. We're excited to welcome you into our community!

Business Banking & Commercial Services

Merchant Services Made Easy

Alongside our loan offerings, we also provide essential merchant services designed to simplify your day-to-day operations. From accepting card payments to managing transactions efficiently, our solutions are tailored to fit your unique needs. Picture a busy Saturday at your shop having reliable payment processing means you can focus on serving customers instead of worrying about cash flow. With an outstanding commercial loan portfolio of $174,173, we continue to drive economic growth by financing new and expanding businesses. If you're ready to take your business to the next level, reach out today or visit us at 1154 Vt Route 30 Townshend Vt 05353 in Townshend, VT. Your vision deserves strong support!

Tailored Loan Options

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. Imagine walking into your new storefront or upgrading your equipment because you had the financial backing you needed. Each loan we provide is more than just a transaction; it's a step toward achieving dreams.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer dedicated support through our Business Banking solutions. From merchant services that streamline payment processing to business loans that help grow your company, we are committed to supporting local businesses in Townshend and beyond.

Convenient Access

Accessing your accounts has never been easier with our Online & Mobile Banking features. Check balances, make transfers, and deposit checks from anywhere whether you're at home or on the go. Additionally, for those times when you need cash quickly, our branch offers convenient ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals.

Financial Support When You Need It

Life can bring unexpected expenses, which is why we also provide Personal Loans & Debt Consolidation services. Whether it's consolidating debt or funding a big purchase, we're here to help find a solution that works for you. And let's not forget about rewards! Our Credit Cards with Rewards allow you to earn points on everyday purchases, giving you more value for every dollar spent.

Personal Banking Solutions

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer Personal Banking options that include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds with online and mobile banking right at your fingertips. You can view balances, transfer money, and even pay bills without ever stepping foot in the branch. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing services make it simple and straightforward. We offer competitive rates and flexible terms to help you get behind the wheel without breaking the bank. For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing options will guide you through every step of the process. We want to ensure that you feel confident and informed as you make such an important decision.

Why Choose Us?

At 802, we believe banking should be convenient and accessible. With features like e-statements and person-to-person payments, managing your finances has never been easier. Our friendly staff is always ready to assist you with any questions or concerns you may have. Ready to experience the difference? Call us at (802) 365-7272 or visit us today at 1154 Vt Route 30 Townshend Vt 05353 in Townshend, VT. We look forward to serving you!

Digital & Online Banking

Always Available

Our 24/7 online banking services ensure that you have control over your financial matters at any time. Whether it's early morning or late at night, you can check balances, pay bills, or manage transfers without any limitations. This accessibility allows you to stay on top of your financial goals while enjoying peace of mind knowing that your information is secure. In conclusion, 802 is dedicated to providing an online banking experience that is both user-friendly and secure. Explore all our digital offerings today and take advantage of the convenience they provide!

Key Services

Our online banking platform, which you can access at https://www.802cu.com/, offers a variety of features that make managing your money simple and straightforward. You can view your account balances, transfer funds, and even set up e-statements for hassle-free record-keeping. We prioritize your safety with electronic signature authorization, so you can conduct transactions securely without the need for paper forms.

Mobile Banking Made Easy

For those who prefer using their smartphones, our mobile application is available to help you stay connected to your finances wherever you are. With this app, you can make person-to-person transfers easily, ensuring that sending money to friends or family is just a tap away. While we currently do not support mobile payments, our commitment to enhancing your banking experience remains strong.

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 committed to maintaining strong financial health and providing the best services possible. With a net worth of $47,856,559, we demonstrate our solid foundation in the financial sector, enabling us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.86% further illustrates our capital strength, 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 focus our resources 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 lending capacity is robust as well, with $3,873 in used auto loans and $301,560,635 in total loans and leases supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $1,487,219, allowing 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 dedicated to serving you with a knowledgeable and committed team. As we look at our overall health, Net Shares (funds available for lending and investments) stand strong at $25,792,231. Additionally, the trust of our growing membership is evident with a total of 70,608 share accounts. 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 1154 Vt Route 30 Townshend Vt 05353 or call (802) 365-7272 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $60,208,177 in used vehicle loans and $23,387,610 in new vehicle loans already helping members get on the road. We make financing straightforward and accessible, so you can hit the road with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $174,173 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our lending solutions are designed with your success in mind.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $6,956,354 in loans helping members manage their finances effectively. Our credit card products come with competitive rates and features tailored to fit your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $45,292,444, make buying or refinancing simple. We know that securing a mortgage can be daunting, but our experienced team is here to guide you through the process every step of the way.

Refinancing Options

If you're considering refinancing any existing loans, we have options available that may help lower your monthly payments or reduce your interest rate. Our team is ready to evaluate your current situation and find the best solution for you. At 802, we pride ourselves on transparency and commitment to our members' financial well-being. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to reach out to us at (802) 365-7272 for more information or visit us at 1154 Vt Route 30 Townshend Vt 05353 in Townshend, VT. Let's work together to find the loan that best meets your needs!

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802 CREDIT UNION - Townshend, VT

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