Opportunities Credit Union Burlington VT | Best Auto Loans & Business Banking

Introduction

Welcome to Opportunities, your trusted financial partner right here in Burlington, VT! Located at 92 North Ave, we have been serving our community since 1989. With a strong commitment to our members, we proudly support over 5,700 individuals and families in achieving their financial goals. At Opportunities, we understand that banking is not just about numbers it's about people. Our dedicated team of 26 employees, led by CEO Erin Metivier and Board President Glenn Von Bernewitz, is here to provide personalized service that you can rely on. We take pride in our robust financial standing, boasting total assets of $64,086,760 and total deposits of $5,073,092. This strong foundation allows us to offer competitive loans and services tailored to your needs. While members can visit us at our convenient branch location, official correspondence should be sent to the same address: 92 North Ave, Burlington, VT 5401. We're committed to transparency and accessibility; feel free to reach out to us at 802-865-2003 for any inquiries or assistance. Whether you are looking for personal banking solutions like checking and savings accounts or need help with auto loans and mortgages, we have a variety of options available. Our goal is to empower you with the resources you need for financial success. Join us today and discover how Opportunities can make a positive impact in your financial journey! Visit our website at oppsvt.org or stop by our branch during operating hours: 9 AM - 5 PM Monday, Wednesday through Friday, and 9 AM - 4 PM on Tuesday. We look forward to welcoming you!

Branch History & Mission

Welcome to Opportunities, your trusted credit union located at 92 North Ave in Burlington, VT. Since our doors opened in 1989, we have proudly served the community with a commitment to enhancing the financial well-being of our members. With a growing membership of over 5,700 and total assets reaching an impressive $64,086,760, we have become a cornerstone for personal banking and community support. Our journey began over three decades ago with a vision to provide accessible financial services that empower individuals and families. We started small but quickly recognized the need for tailored financial solutions that cater to the unique needs of our community. As we've grown, so has our range of services from personal checking accounts and auto loans to mortgage options and business banking solutions. Today, we are dedicated not just to providing financial products but also to fostering relationships built on trust and mutual benefit. At Opportunities, our mission is clear: We aim to deliver exceptional financial services while making a positive impact in our community. We believe that everyone deserves access to quality banking options that help them achieve their goals. Our focus on member satisfaction drives us to continually enhance our offerings through online and mobile banking features, making it easier than ever for you to manage your finances anytime, anywhere. While members can visit us at 92 North Ave Burlington Vt 05401 for all their banking needs, official correspondence should be sent to our mailing address at 92 North Ave, Burlington, VT 5401. Our branch operates Monday through Friday from 9 AM to 5 PM (and until 4 PM on Tuesdays), ensuring we are available when you need us most. We take pride in being a part of the Burlington community and actively participate in local events and outreach programs. By collaborating with various organizations, we work towards supporting initiatives that uplift those around us. As we move forward, we remain committed to upholding principles of inclusion and accessibility for all members. Join us at Opportunities Credit Union today! Experience firsthand the benefits of being part of a member-focused institution dedicated to your financial success. Whether you're looking for personal banking solutions or exploring options for your business, we are here to help every step of the way. Visit our website at oppsvt.org or give us a call at 802-865-2003 let's build your future together!

Branch Location & Accessibility

Welcome to Opportunities, located at 92 North Ave in the heart of Burlington, Vermont! We pride ourselves on being a friendly and accessible branch that serves our members with care. Situated near local favorites like the beautiful Waterfront Park and just a short drive from downtown, our branch is easy to reach whether you're coming from nearby neighborhoods or venturing in from farther away. Our location is designed with your convenience in mind. We offer ample parking right outside the branch, ensuring you won't have to worry about finding a spot. Accessibility is important to us, and we've made sure our facilities meet ADA standards so that everyone can enjoy a comfortable visit. At Opportunities, our doors are open for you during convenient hours: Monday, Wednesday, Thursday, and Friday from 9 AM to 5 PM, and Tuesday until 4 PM. Our friendly staff is always ready to assist you with your banking needs, whether you're looking to set up a checking account or inquire about auto loans and personal loans. While we currently do not have ATM services or drive-thru banking available at this location, we are dedicated to providing personalized service inside the branch. If you need assistance outside of our regular hours or would like to discuss your options further, please don't hesitate to give us a call at 802-865-2003. If you need to send us any official correspondence, feel free to use our mailing address at 92 North Ave, Burlington, VT 5401. We look forward to welcoming you soon and helping you achieve your financial goals!

Member Eligibility

At Opportunities, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is easy and welcoming! If you live, work, or worship in the Burlington area, you can join us at our branch located at 92 North Ave Burlington Vt 05401. We aim to create an inclusive environment for all members, offering a range of financial products tailored to your needs. For more detailed eligibility criteria, feel free to check out our website at . Once you're ready to take the next step, opening an account is a straightforward process. Our friendly team is here to assist you every step of the way, ensuring your experience is smooth and enjoyable. If you have any questions or need assistance, don't hesitate to call us at (802) 865-2003. Join us today and discover how Opportunities can help you achieve your financial goals!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $55 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $6,185,691, we continue to drive economic growth by financing new and expanding businesses. Imagine being able to secure the funds necessary for that new project or expansion you've been dreaming of. Our commercial loans are designed to provide the flexibility and support you need to take that next step confidently.

Merchant Services

In addition to loans, we offer robust merchant services that simplify transactions and enhance customer experiences. Whether it's processing payments or managing cash flow, we provide tools that make running your business easier. Picture this: your customers can pay effortlessly while you keep track of sales with our user-friendly systems. At Opportunities, we're not just a bank; we're your partners in success. Let us help you navigate the financial landscape so you can focus on what truly matters growing your business. Visit us today or call us at (802) 865-2003 to learn more about how we can assist you!

Comprehensive List Of Services

Additional Services

We also provide essential services such as ATM access for cash withdrawals when needed. While currently we don't have ATMs available at our branch location at 92 North Ave, Burlington, VT 05401, we're committed to ensuring that all members have access to cash when they need it. If you have questions about any of these services or want personalized assistance from one of our friendly staff members at Opportunities, don't hesitate to reach out! You can call us at 802-865-2003 during our lobby hours: Monday through Friday from 9 AM - 5 PM (and until 4 PM on Tuesdays). Your financial journey matters to us. Visit us online at our website or stop by our branch we're here to help you thrive!

Auto Loans & Vehicle Financing

When it comes to purchasing a vehicle, our Auto Loans & Vehicle Financing provide flexible terms and competitive rates. Imagine cruising down the highway in a new car, knowing you secured a great deal on financing right here at Opportunities.

Business Banking Services

For entrepreneurs and small businesses, we provide dedicated Business Banking solutions including merchant services and business loans. If you're looking to grow your business or streamline operations, we have the resources to support you.

Credit Cards with Rewards

Our Credit Cards with Rewards give you the chance to earn while you spend. Picture this: every time you make a purchase, you're not just paying bills; you're earning rewards that can be redeemed for travel, cash back, and more.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking options. Accessing your account from anywhere has never been easier check balances, transfer funds, and pay bills all from the palm of your hand! Plus, our mobile payments and person-to-person transfer features allow for quick transactions without any hassle.

Home Financing Options

If owning a home is part of your future plans, our Mortgage Loans & Refinancing services are here to help make that dream a reality. Whether you're buying your first home or looking to refinance for better rates, our team is ready to guide you through every step.

Personal Banking Solutions

For individuals looking to manage their day-to-day finances, we offer Personal Banking options like checking and savings accounts. Whether you're saving for a dream vacation or just trying to keep track of your spending, our accounts are designed with you in mind.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. Whether it's for a family emergency or consolidating debt for easier management, we offer personal loans that fit your circumstances.

Digital & Online Banking

Easy Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service makes it simple and fast. You can send money directly from your account without any hassle, making splitting bills or sharing expenses easier than ever.

Go Paperless with E-Statements

Say goodbye to clutter and hello to convenience! We offer e-statements for our members, allowing you to receive your financial documents electronically. This not only helps reduce paper waste but also keeps your information secure and accessible whenever you need it.

Mobile Banking at Your Fingertips

For those who prefer using their smartphones, our mobile application makes banking even easier. You can perform all the essential tasks right from your phone. Plus, if you're on the go, our mobile payments feature allows you to make purchases quickly and securely without needing cash or cards.

Security First

At Opportunities, we prioritize your security. Our online banking platform uses the latest technology to keep your information safe. While we currently do not support electronic signature authorization for transactions, rest assured that every measure is taken to protect your data during online interactions. In summary, whether you're managing everyday transactions or planning for the future, our digital banking services at Opportunities provide you with the tools you need for financial success all while keeping things simple and secure. Visit us today at https://www.oppsvt.org/ to explore how we can help you bank better!

User-Friendly Online Banking

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills anytime, anywhere. No need to wait in line; everything you need is just a click away. Our platform is designed for ease of use, ensuring that you can navigate it effortlessly while managing your money in real-time.

Financial Strength

Commitment to Growth

Our commitment to innovation is evident with $2,783,992 in undivided earnings. These funds allow us to reinvest in modern banking tools, stronger lending options, and enhanced security measures to serve our members better. With $469 in used auto loans and $54,609,819 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member Trust

The trust of our members is paramount, as seen with a total of 8,850 share accounts. This demonstrates a strong and growing member base that relies on us for their financial well-being. Our net shares available for lending and investments stand at $1,749,998, illustrating our readiness to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Opportunities is your trusted partner. Visit us at 92 North Ave Burlington Vt 05401 or call (802) 865-2003 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency shines through with a net income of $12,715. This reflects our ability to manage resources effectively while continuing to offer competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Strong Financial Position

With a net worth of $7,291,498, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further supported by our impressive net worth ratio of $1,138, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Savings Options

Your savings are secure with us. We have $12,295,176 in share certificates and $3,458,226 in money market shares, offering stable and rewarding financial growth opportunities tailored to meet your needs. Unlike traditional banks, we prioritize our members. With non-member deposits at $14,099,378, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We have already issued $6,967,743 in used vehicle loans and $338,980 in new vehicle loans, making it easier for our members to get on the road confidently. Whether you're considering a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines and Commercial Loans

If you're looking for additional financial flexibility, consider our total credit lines of $13,823,252. For business owners seeking capital for growth and expansion, our outstanding commercial loans totaling $6,185,691 provide essential support for various business needs. At Opportunities, we prioritize your financial well-being by offering a variety of lending options. If you're interested in exploring refinancing or eligibility options for any of these products, please don't hesitate to reach out! For more details or to get started with your loan application today, give us a call at 802-865-2003. Our dedicated team is available during lobby hours: 9 AM - 5 PM Monday, Wednesday, Thursday, Friday; and 9 AM - 4 PM Tuesday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $577,404, designed to fit your unique financial situation. Our experts can guide you through the process to ensure you find a mortgage that meets your needs and budget.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also provide flexible terms on unsecured credit card loans. Though currently, we don't have outstanding unsecured credit card loans, our approach focuses on helping members manage their finances effectively with personalized options when available.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an easy-to-use platform, LendMesh helps users navigate their borrowing options without the confusion. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. By relying on verified data, LendMesh empowers borrowers to make informed decisions regarding their financial futures. One of the key benefits of using LendMesh is its commitment to transparency. All loan offers are sourced from legitimate financial institutions, ensuring that users can trust the information they receive. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. With real-time rate comparisons from multiple institutions, users can easily find competitive loan offers tailored to their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the impact that accurate and reliable information can have on individuals looking for loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

OPPORTUNITIES CREDIT UNION