802 Credit Union White River Junction VT | Affordable Auto Loans & Business Banking

Introduction

Welcome to 802 Credit Union, your trusted financial partner located at 614 N Hartland Rd, White River Junction, VT 05001. Established in 1953, we have proudly served our community for decades, helping over 37,000 members achieve their financial goals. Our commitment to providing exceptional service is reflected in our impressive assets of $403,508,107 and total deposits amounting to $51,268,780. At 802 Credit Union, we understand that banking needs vary from person to person. Whether you're looking for personal banking solutions like checking and savings accounts or loans for your next vehicle purchase, we have you covered. With a dedicated team of 111 employees, led by CEO Sean Gammon and Board President Jeff Mobus, we strive to make your banking experience as seamless as possible. While members can visit us at our branch location for personalized service, any official correspondence should be sent to our mailing address at PO Box 1365, White River Junction, VT 5001. We are proud to offer a range of services including auto loans, mortgage refinancing, and business banking options designed specifically for the needs of our community. Our financial strength is bolstered by a net worth of $47,856,559 and ample cash reserves of $1,053,772 available for member support. We take pride in fostering relationships built on trust and transparency as we continue to grow together with our members. We invite you to explore what we have to offer by visiting our website at 802cu.com or giving us a call at 802-295-7805. Discover how becoming a member can enhance your financial journey today!

Branch History & Mission

Welcome to 802, a cornerstone of financial service and community support in White River Junction, VT. Since opening our doors in 1953, we have grown alongside our members, evolving from a small institution into a trusted partner for over 37,021 individuals and families. Located at 614 N Hartland Rd White River Junction Vt 05001, our branch is easily accessible, just a stone's throw away from local landmarks that make our community vibrant. We invite you to stop by during our operating hours: Monday through Thursday from 8:30 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you're here for ATM services or to enjoy the convenience of drive-thru banking, we're ready to serve you. At 802, we believe in a mission that goes beyond just banking. Our core purpose is to provide exceptional financial services while uplifting our community through various outreach efforts. We understand that every member's financial journey is unique, and we strive to offer personalized solutions, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. Over the years, we have achieved significant milestones and built strong partnerships within the community. Our total assets now stand at an impressive $403,508,107, allowing us to continue supporting our members with competitive rates and tailored services. We are proud of our commitment to ADA compliance and digital advancements that ensure all members can access our services comfortably. If you need to reach us for any reason, feel free to call us at (802) 295-7805. While members can visit us at 614 N Hartland Rd White River Junction Vt 05001, official correspondence should be sent to PO Box 1365, White River Junction, VT 5001 if different. As we look towards the future, we remain dedicated to enhancing the lives of those in White River Junction through both financial education and active community engagement. Join us today at 802 where your financial needs meet our unwavering commitment to service. Experience the difference that comes from being part of a credit union designed with you in mind!

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Situated near popular landmarks such as the vibrant downtown area and local eateries, our location is not only accessible but also surrounded by the charm of the community. If you're driving, you'll find ample parking available right outside our doors, ensuring a hassle-free visit. Plus, for those who may need assistance, our branch is fully compliant with ADA standards, featuring ramps and accessible entrances.

Operating Hours That Suit Your Schedule

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us from Monday to Thursday between 8:30 AM and 5:00 PM, on Fridays until 5:30 PM, and even on Saturdays from 9:00 AM to 12:00 PM. This way, whether you're an early bird or prefer to stop by after work or on weekends, we're here for you.

Services Tailored to Your Needs

At 802, we pride ourselves on offering a wide range of services that cater to all your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions that fit your lifestyle. Enjoy the ease of basic drive-thru banking for deposits and withdrawals without ever leaving your vehicle. Plus, with ATM availability right at our branch, accessing cash is simple and straightforward. If you have any questions or need assistance, don't hesitate to give us a call at (802) 295-7805. We invite you to come in and experience the friendly service that makes us a valued part of the community. Visit us today at 614 N Hartland Rd White River Junction Vt 05001, or if you prefer official correspondence, please send it to PO Box 1365, White River Junction, VT 5001. We look forward to serving you!

Member Eligibility

Joining the 802 community is a wonderful step towards better financial health and support. We welcome individuals who live, work, worship, or attend school in our local area to become members. This means if you're part of our vibrant community in White River Junction and surrounding regions, you're already eligible! As a member, you'll enjoy not only personalized service but also access to a variety of financial products designed to help you thrive. Whether you're looking for savings accounts, loans, or credit cards with rewards, 802 is here to support your needs every step of the way. To get started, simply visit us at our branch located at 614 N Hartland Rd White River Junction Vt 05001 or give us a call at (802) 295-7805 for more information. You can also check out the detailed eligibility criteria on our website at https://www.802cu.com/become-a-member/ . Opening an account is easy just follow the instructions found here: https://www.802cu.com/loans/apply-for-a-loan/ . We can't wait to welcome you as part of our family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to our competitive loan offerings, we provide comprehensive merchant services designed to simplify your transactions. Imagine being able to accept payments easily and securely from your customers, whether they pay by card or mobile wallet. With our merchant services, you can focus on what you do best running your business while we handle the rest. Visit us at 614 N Hartland Rd White River Junction Vt 05001 in White River Junction, VT, or call us at (802) 295-7805 to learn more about how we can support your business today!

Our Commitment to Business 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.

Comprehensive List Of Services

Additional Services

Whether you need assistance during regular hours or prefer handling things online, we have options that fit your lifestyle. From basic ATM access for quick withdrawals and balance checks to drive-thru banking for quick deposits and transactions, we're here to make banking easy. At 802, we're dedicated to helping you achieve your financial goals with personalized service and comprehensive solutions. For more information about how we can assist you today, don't hesitate to reach out! Call us at (802) 295-7805 or visit us at White River Jct we're excited to help you on your financial journey!

Business Banking

If you're a business owner, you'll appreciate our business banking services, which include merchant services and business loans designed to support your growth and success. We know that managing cash flow is essential for small businesses, so we provide solutions that keep your operations running smoothly.

Credit Cards

Looking for rewards on your purchases? Our credit cards with rewards let you earn points while shopping for everyday items. This means that every swipe brings you closer to exciting benefits.

Loans and Financing

When it comes to financing, our offerings include auto loans and vehicle financing, perfect for those looking to buy a new car or refinance an existing loan. We also understand that home is where the heart is; that's why we offer mortgage loans and refinancing options to help make your dream home a reality. If you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services are designed with your needs in mind.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we prioritize digital access with our robust online and mobile banking platforms. You can check balances, transfer funds, and pay bills right from your smartphone or computer anytime, anywhere! Plus, with features like person-to-person payments, sharing money with friends has never been easier.

Personal Banking

For everyday banking needs, we provide checking and savings accounts that help you manage your money easily. Imagine having the flexibility to withdraw cash through our ATM services or make deposits with simple transactions at our drive-thru. Whether you're saving for a vacation or just need a safe place for your funds, we've got you covered.

Digital & Online Banking

Key Services

Our online banking platform allows you to access your accounts anytime, anywhere. You can check balances, view transactions, and transfer funds all from the comfort of your home or on the go. Plus, with electronic signature authorization available, signing documents securely has never been simpler. If you prefer going paperless, you'll be pleased to know that we offer e-statements. This feature not only keeps your information secure but also helps reduce clutter in your mailbox. You'll receive monthly statements directly in your email, making it easy to stay organized. For those who need to send money quickly, our person-to-person transfer service makes it simple to send funds to friends or family without any hassle. And if you're always on the move, our mobile application gives you the power to manage your account right from your smartphone.

Security and Accessibility

Your security is our priority. Our online banking services are equipped with robust features that protect your information while providing easy access to your accounts. Whether you're using a computer or mobile device, you can feel confident knowing that your data is safe. With no need for complex setups or technical know-how, our user-friendly interface ensures that all members can navigate their finances effortlessly. So whether you're checking balances late at night or transferring money during lunch breaks, we've got you covered. In summary, 802 is committed to delivering an exceptional digital banking experience that blends accessibility with top-notch security. Explore our services today at https://www.802cu.com/ and take control of your financial journey!

Financial Strength

Growing Member Base

We currently manage 70,608 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. With net shares amounting to $25,792,231, we have ample funds available for lending and investments. 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 614 N Hartland Rd White River Junction Vt 05001 or call (802) 295-7805 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.

Investment in Your Future

Our commitment to your financial well-being is reflected in our $33,015,009 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $3,873 in used auto loans and $301,560,635 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Focused Savings

Your savings are secure with us. Members' savings are backed by $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.

Operational Efficiency

Our operational efficiency is highlighted by a net income of $0, 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 who are dedicated to providing excellent service every day.

Solid Financial Health

With a net worth of $47,856,559, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,186 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Options

If you're a business owner, our outstanding commercial loans totaling $174,173 provide the capital needed to grow and expand your business operations. Additionally, our total credit lines available amount to $207,000,000, offering further flexibility for managing cash flow.

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 provide financing options for both new and used vehicles, ensuring you can find a loan that works for you.

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. Whether you're purchasing your first home or refinancing an existing mortgage, our experienced team is here to guide you through every step of the process.

Refinancing Options

We also understand that life changes and circumstances shift; therefore, if you're interested in refinancing any of our loans or want to check eligibility options, please reach out. Our team is ready to assist you with all your questions. For more information about our loan offerings or to apply for a loan, visit us at 614 N Hartland Rd White River Junction Vt 05001 in White River Junction, VT, or give us a call at (802) 295-7805. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you secure the financing you need today!

Unsecured 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. These credit cards come without collateral requirements, making them accessible for those who need quick access to funds.

Loan Aggregator

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802 CREDIT UNION - White River Junction, VT