Middlebury VT Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Vermont, your trusted financial partner located at 1 Court St, Middlebury, VT 05753. Since our establishment in 1953, we have been dedicated to providing exceptional banking services to our community. With a total membership of over 55,762, we pride ourselves on fostering strong relationships with our members and helping them achieve their financial goals. At Vermont, we understand that every dollar counts. That's why we manage total assets of approximately $976,387,089 while ensuring your deposits are safe with us currently totaling $16,528,806. Our commitment extends beyond just numbers; it's about investing in the future of our members and the community we serve. Our leadership team, headed by CEO Jean Giard and Board President Megan Manahan Bliss, is dedicated to creating a supportive environment for all members. Whether you are looking for personal banking options like checking and savings accounts or loans for vehicles and mortgages, we've got you covered. Plus, our modern conveniences such as online banking and mobile payments make managing your finances easier than ever. While you can visit us at our Middlebury branch, official correspondence should be sent to the same address: 1 Court St, Middlebury, VT 5753. For any inquiries or assistance, feel free to reach us at 802-388-0220. Join us today and discover how Vermont can help you navigate your financial journey. We invite you to explore our offerings further on our website here, or stop by to chat with one of our friendly staff members!

Branch History & Mission

Commitment to Excellence

Our branch features amenities such as ATM availability and a drive-thru service for added convenience. We are also proud to offer shared service center options that allow for basic transactions with partner credit unions. Our operating hours cater to various schedules: Monday and Friday from 8:30 AM to 6:00 PM; Tuesday through Thursday from 8:30 AM to 5:00 PM; and Saturday from 9:00 AM to 12:00 PM. At Vermont, we understand that banking is not just about numbers; it's about people our valued members who trust us with their financial needs. Join us today and discover how being part of Vermont can enhance your financial journey while contributing to a thriving community. Visit us or call 802-388-0220 for more information about becoming a member!

Our Evolution

Over the decades, Vermont has adapted to meet the changing needs of our members. We have continually expanded our range of services while ensuring that we maintain a personal touch. Today, we offer everything from checking and savings accounts to auto loans, mortgages, and business banking services. Our commitment to innovation is reflected in our embrace of digital banking solutions like online and mobile banking, enabling members to manage their finances conveniently and securely.

Our Mission

Our mission is clear: we strive to empower our members by providing exceptional financial services while fostering a strong sense of community support. We believe that when our members succeed, so does our community. That's why we actively engage in outreach programs and partnerships that uplift those around us. Whether it's through financial education initiatives or local sponsorships, Vermont is dedicated to making a positive impact in Middlebury. While members can visit us at 1 Court St, official correspondence should be sent to 1 Court St, Middlebury, VT 5753 if different from the branch address.

Branch Location & Accessibility

Welcome to Vermont's Middlebury Office, your friendly neighborhood credit union located at 1 Court St, Middlebury, VT 05753! We understand that convenience matters when it comes to banking, and our central location makes it easy for you to stop by. Just a stone's throw from the bustling downtown area, we're close to local shops and restaurants, making your visit even more enjoyable. While members can visit us at 1 Court St for all their banking needs, official correspondence should be sent to the same address. Our branch is designed with accessibility in mind. You'll find ample parking available and features like ramps to ensure that everyone can access our services easily. Our operating hours are crafted to fit your busy schedule. We're open Monday and Friday from 8:30 AM to 6:00 PM, Tuesday through Thursday from 8:30 AM to 5:00 PM, and Saturday mornings from 9:00 AM to 12:00 PM. Whether you're rushing in during your lunch break or planning a weekend visit, we're here for you! At our Middlebury Office, we offer a variety of services tailored for both personal and business banking. From checking and savings accounts to auto loans and mortgages, we have you covered. Plus, our drive-thru service allows for quick transactions without leaving your car perfect for those on-the-go days! And don't forget about our ATM availability! With easy access to cash withdrawals and balance checks, managing your finances has never been simpler. If you need help or have questions about your banking needs, feel free to give us a call at 802-388-0220. We invite you to stop by the Vermont Middlebury Office today! Experience the difference that comes with being part of a community-focused credit union. We look forward to serving you!

Member Eligibility

At Vermont, becoming a member is more than just opening an account it's about joining a warm and welcoming community that truly cares for its members. If you live, work, or attend school in the area, you're likely eligible to join us! We believe in supporting our local families and businesses, which is why we strive to make membership accessible to everyone. For detailed eligibility criteria, feel free to explore our website at . Opening your account with us is a breeze! You can start the process online by visiting https://vermontfederalcreditunionportal.mymortgage-online.com/loan-app/ ?siteid=5901102705&workflowid=143244 or give us a call at (802) 388-0220 if you have any questions. We're here to help you every step of the way. Join us at our Middlebury branch located at 1 Court St Middlebury Vt 05753, and experience the advantages of being part of Vermont where your financial well-being is our top priority!

Business Banking & Commercial Services

At Vermont, we understand the unique challenges that business owners face. Whether you're a startup or an established company, having the right financial partner is crucial for growth and success. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $202 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $99,728,847, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services that simplify daily operations. Imagine being able to process payments quickly and securely while keeping track of your sales effortlessly. Our solutions help you focus on what matters most running your business smoothly. Visit us at 1 Court St Middlebury Vt 05753 in Middlebury, VT, or call us at (802) 388-0220 to learn how we can empower your business today!

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll find that we understand the unique challenges you face. Our business banking services include merchant services and business loans tailored to support your growth. We're here to help your business thrive with the financial tools you need.

Convenient Access Points

We also offer ATM and cash withdrawal services for those times when you need cash quickly. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle perfect for busy days! Plus, as part of our shared branch network, members can perform basic transactions at partner credit unions for added convenience. Our friendly team at Vermont is ready to assist you with any of these services. If you have questions or want to learn more about how we can help you achieve your financial goals, don't hesitate to reach out! You can call us at (802) 388-0220 or visit us during our operating hours: Monday and Friday from 8:30 AM to 6:00 PM; Tuesday through Thursday from 8:30 AM to 5:00 PM; and Saturday from 9:00 AM to 12:00 PM. Explore all that we have to offer by visiting our website at Middlebury Office. Your financial journey starts here!

Credit Cards & Loans

For those unexpected expenses or planned purchases, our personal loans and debt consolidation services offer flexible options designed to help you manage your finances effectively. Plus, our credit cards come with rewards that allow you to earn points on every purchase, giving you even more value from your spending.

Digital Banking Solutions

In today's fast-paced world, having access to your accounts anytime, anywhere is crucial. That's why we've invested in robust online and mobile banking platforms. With features like mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier. You can check balances, transfer funds, or pay bills with just a few taps on your device.

Personal Banking

Managing your finances should be straightforward, and that's why we offer personal banking options tailored to fit your lifestyle. With our checking and savings accounts, you can easily keep track of your money while earning interest on your savings. Need a vehicle? Our auto loans and vehicle financing options make it easy for you to drive away in the car you want without breaking the bank. We also provide mortgage loans and refinancing solutions so you can secure your dream home or lower your current monthly payments.

Digital & Online Banking

Accessibility

With 24/7 online banking services available at Vermont, you can access your accounts whenever it suits you best. Whether it's early morning or late at night, we're here for you. And with mobile payments enabled, making purchases has never been easier just tap and go! In summary, Vermont provides a full suite of digital banking tools designed for today's busy lifestyles. Explore these features and more by visiting https://www.vermontfederal.org/ today!

Key Services

Our online banking services can be accessed through https://www.vermontfederal.org/ , allowing you to check balances, transfer funds, and pay bills with just a few clicks. You'll appreciate the ease of real-time account management right from your computer or mobile device. Plus, if you prefer to handle things on the go, our mobile application is available for download, making it even simpler to stay connected to your finances. You can also take advantage of our electronic statements, which provide a secure and eco-friendly way to keep track of your financial activity. No more waiting for paper statements in the mail! For those who enjoy sending money quickly and easily, our person-to-person transfer feature lets you send funds directly to friends or family members in no time.

Security Features

Your security is our top priority. While we do not currently offer electronic signature authorization, rest assured that all transactions conducted through our online banking services are protected with robust security measures. We strive to keep your information safe while providing you with the freedom to manage your finances as needed.

Financial Strength

Growing Together

Total Share Accounts stand at 126,268, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,960,098 further indicate our ability to support your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vermont is your trusted partner. Visit us at 1 Court St Middlebury Vt 05753 or call (802) 388-0220 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Members' savings are secured through $215,450,819 in share certificates and $147,132,306 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 $5,589,587 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 162 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $89,439,817 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 reflected in our capacity with $5,464 in used auto loans and $783,040,768 in total loans and leases, supporting your financial goals across various sectors.

Solid Financial Health

With a net worth of $95,181,079, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $975 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 $94,310,307 in used vehicle loans and $25,854,501 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used car, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $99,728,847 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to enhance your current business, our team is ready to assist you.

Credit Card Loans

For those looking for flexible borrowing options, we offer unsecured credit card loans totaling $23,911,715. These cards come with competitive interest rates and can help you manage your expenses effectively while providing rewards on your purchases.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $70,159,871, make buying or refinancing simple. We also provide refinancing options for existing mortgages, allowing you to take advantage of lower rates or better terms.

Why Choose Us?

At Vermont, we prioritize your financial well-being. Our loan offerings are tailored to meet the unique needs of each member. Plus, if you're unsure about eligibility or want more information on refinancing options, our experienced staff is available at (802) 388-0220 to answer all your questions. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. When you're ready to explore your lending options further, don't hesitate to visit us at our branch located at 1 Court St Middlebury Vt 05753 in Middlebury, VT, or check out our website at https://www.vermontfederal.org/ . Make an informed decision today!

Loan Aggregator

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VERMONT FEDERAL CREDIT UNION