Opportunities Credit Union Winooski VT | Affordable Vehicle Loans & Business Banking

Introduction

At Opportunities Credit Union, we believe that financial services should be accessible and tailored to meet the needs of our community. Located at 25 Winooski Falls Way, Winooski, VT 05404, we are proud to serve our members with a wide range of banking solutions designed for personal and business needs alike. Since our establishment in 1989, we have been dedicated to empowering individuals and families through responsible lending and comprehensive financial support. With a total membership of over 5,700 individuals, we have built a strong foundation based on trust and reliability. Our assets have grown to an impressive $64,086,760, reflecting our commitment to managing your funds wisely. We currently hold $5,073,092 in deposits while offering loans and leases totaling 1,215 to help our members achieve their goals. Under the leadership of CEO Erin Metivier and Board President Glenn Von Bernewitz, Opportunities Credit Union strives to enhance the financial well-being of every member. Our team of 26 employees is here to provide personalized service, whether you're looking for checking and savings accounts, auto loans, mortgages, or business banking solutions. While members can visit us at our branch address, official correspondence should be sent to PO Box 67, Winooski, VT 5404. If you have any questions or need assistance, don't hesitate to reach out at 802-865-3404. Explore how we can assist you today by visiting our website at Opportunities Credit Union. Join us in making your financial journey smoother and more rewarding!

Branch History & Mission

Community Commitment

As we continue to evolve in this digital age, we are dedicated to enhancing our services through online and mobile banking options. This ensures that our members can manage their finances conveniently from anywhere. Our commitment goes beyond just providing banking; we actively engage with local organizations and support initiatives that promote economic development and financial literacy. While we currently do not offer ATM or drive-thru services at this branch, we are proud of our focus on customer-centric initiatives that make banking accessible for everyone. Our partnerships with various community organizations allow us to host workshops and seminars aimed at improving financial education among all age groups. In closing, we invite you to join Opportunities Credit Union. Experience the difference that comes from being part of a member-focused institution dedicated not only to your financial well-being but also to enriching the entire community. Together, let's build a brighter future! For more information or inquiries, feel free to contact us at (802) 865-3404. Visit us online at oppsvt.org for additional resources and updates.

Our Mission

At the heart of Opportunities Credit Union is our mission to foster financial growth and stability within our community. We believe that everyone deserves access to quality financial services that meet their unique needs. Our goal is not only to provide exceptional banking products but also to support local initiatives and outreach programs that uplift the residents of Winooski and surrounding areas. Our branch operates Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM and Wednesday from 9 AM to 4 PM. While members can visit us at our main location for personalized service, official correspondence should be directed to PO Box 67, Winooski, VT 5404.

Branch Location & Accessibility

Welcome to Opportunities, your friendly neighborhood credit union located at 25 Winooski Falls Way in beautiful Winooski, Vermont. Nestled along the scenic Winooski River, our branch is not just a place to bank; it's a part of the community where you can feel at home while managing your finances. We're easy to find, just a short walk from popular spots like the Winooski Falls and local parks. While members can visit us at 25 Winooski Falls Way, official correspondence should be sent to our mailing address: PO Box 67, Winooski, VT 5404. We strive to make your visit as convenient as possible. Our branch features ample parking and is fully accessible, ensuring that everyone can easily reach us. Our operating hours are designed with your busy schedule in mind. You can drop by from 9 AM to 5 PM on Mondays, Tuesdays, Thursdays, and Fridays, and from 9 AM to 4 PM on Wednesdays. Whether you need help opening a new account or seeking guidance on loans and mortgages, our friendly staff is here to assist you. We also offer a variety of services tailored to meet your needs be it personal banking options like checking and savings accounts or more specialized services such as auto loans and business banking solutions. Although we currently don't have ATM facilities or drive-thru service at this location, our team is dedicated to providing you with excellent service during your visit. If you have any questions or would like more information about our offerings, don't hesitate to give us a call at 802-865-3404. We look forward to welcoming you into our Opportunities family!

Member Eligibility

At Opportunities, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us as a member is simple and welcoming! If you live, work, or worship in the Winooski area, or if you're affiliated with one of our partner organizations, you're likely eligible to become a member. Our goal is to ensure that you feel right at home with us, benefiting from personalized services tailored just for you. Becoming a member not only opens doors to various financial products like checking and savings accounts, auto loans, and mortgages, but it also connects you to a community that cares about your financial well-being. To get started or learn more about eligibility criteria, feel free to check out the details at . If you're ready to take the next step in opening your account, visit us online or give us a call at (802) 865-3404. We can't wait to welcome you into the Opportunities family at our branch located at 25 Winooski Falls Way Winooski Vt 05404!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to our loan offerings, we provide essential merchant services designed to simplify transactions and improve cash flow. Imagine a busy café in Winooski that can process payments quickly, allowing owners to focus on serving customers rather than managing payments. Our services help streamline operations so you can concentrate on what matters most growing your business. Whether you're just starting or looking to expand, Opportunities is here to support you every step of the way. Reach out today at (802) 865-3404 or visit us online at https://www.oppsvt.org/ for more information!

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we offer comprehensive business banking services including merchant services and business loans. We understand how important it is for businesses to have the right financial support, whether you're just starting out or looking to expand.

Digital Banking Convenience

In this digital age, convenience is key. That's why we provide robust online and mobile banking features that let you manage your finances from anywhere at any time. With easy access to account balances, bill pay options, and mobile payments, staying on top of your finances has never been easier. While visiting us at our branch is always welcome during our operating hours Monday through Friday from 9 AM to 5 PM (with Wednesday closing at 4 PM) we encourage you to explore our online resources as well. We invite you to discover all that Opportunities has to offer! Call us today at (802) 865-3404 or visit our website here for more information about our services. Your financial success is our priority!

Financial Solutions for Every Need

Life can be unpredictable, which is why we also offer personal loans and debt consolidation options. If you're facing unexpected expenses or looking to streamline your debts into one manageable payment, we are here to help find a solution that works for you. In today's world, credit cards can be a valuable tool when used wisely. Our credit cards with rewards not only allow you to make purchases conveniently but also earn points for future benefits. Think about enjoying perks like cash back or travel rewards simply by using your card for everyday expenses.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts designed to help you manage your money effectively. Imagine having a checking account that allows easy access to your funds while earning interest on your savings. This setup helps you stay organized and reach your financial goals faster. For those considering a new vehicle, our auto loans and vehicle financing options make it easier than ever to hit the road in style. We offer competitive rates and flexible terms that fit your budget. Picture yourself driving away in your dream car without breaking the bank! If homeownership is on your mind, our mortgage loans and refinancing services provide the guidance and support you need. From first-time buyers to seasoned homeowners, we can assist you in finding the right mortgage solution that fits your lifestyle.

Digital & Online Banking

Convenient Online Banking Services

Accessing your accounts has never been simpler. With our online banking platform available at https://www.oppsvt.org/ , you can check balances, pay bills, and transfer money anytime, anywhere. Whether you're at home or on the go, real-time account management is just a click away.

Mobile App for Banking on the Go

Our mobile application takes convenience a step further. Available for download, it allows you to manage your finances directly from your smartphone. Need to send money to a friend? Use our person-to-person transfer feature to quickly send funds with just a few taps. Plus, if you prefer to make payments through your phone, our mobile payments feature makes transactions easy and secure.

Secure and User-Friendly Experience

Your security is our priority. While we currently do not support electronic signature authorization, we ensure that all transactions made through our platforms are protected with the latest security measures. You can also opt for e-statements for easy access to your financial records while reducing paper clutter. In summary, Opportunities is committed to providing you with accessible, user-friendly digital banking solutions that fit seamlessly into your lifestyle. From online banking at https://www.oppsvt.org/ to managing your accounts via our mobile app, we've got you covered every step of the way!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 8,850, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments) amount to $1,749,998. 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 25 Winooski Falls Way Winooski Vt 05404 or call (802) 865-3404 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $12,295,176 in share certificates and $3,458,226 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $14,099,378, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our ability to operate effectively is reflected in our $12,715, which enables us to continue offering 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 who are always ready to assist you with their expertise.

Reinventing Member Services

With $2,783,992 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $469 in used auto loans and $54,609,819 in total loans and leases.

Solid Foundation

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. Our net worth ratio of $1,138 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,967,743 in used vehicle loans and $338,980 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a pre-owned one, we have financing options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $6,185,691 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing business, our team is ready to assist you with customized solutions that align with your goals. At Opportunities, we believe in providing our members with not just loan products but also guidance and support throughout the borrowing process. If you're interested in refinancing or exploring eligibility options for any of our loan products, don't hesitate to reach out! You can visit us at 25 Winooski Falls Way Winooski Vt 05404, call us at (802) 865-3404, or check out our website at https://www.oppsvt.org/ for more details about how we can help you meet your financial needs. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $577,404, make buying or refinancing simple. We provide various mortgage products that can help you secure the home of your dreams while ensuring manageable payments.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs to maximize your spending power while keeping your financial health in check.

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OPPORTUNITIES CREDIT UNION