Saint Albans VT Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Vermont, your trusted financial partner located at 55 Old Orchard Rd, Saint Albans, VT 05478. Since opening our doors in 1953, we have proudly served the community with dedication and care. Our commitment to providing exceptional service is reflected in our growing membership of 55,762 individuals who rely on us for their financial needs. At Vermont, we understand that managing your finances can be challenging. That's why we offer a wide range of services designed to help you achieve your goals. With total assets reaching an impressive $976,387,089 and total deposits of $16,528,806, we are well-positioned to support you in every step of your financial journey. Our team of 173 employees, led by CEO Jean Giard and Board President Megan Manahan Bliss, is here to ensure that you receive personalized assistance tailored to your unique situation. While members can visit us at our branch address, official correspondence should be sent to PO Box 778, St Albans, VT 5478. We invite you to explore our offerings, including auto loans, mortgage refinancing, personal loans, and online banking options all designed with your convenience in mind. With a strong net worth of $95,181,079 and cash reserves totaling $7,593,092, you can trust that your money is safe with us. We're not just about numbers; we're about making a positive impact in the lives of our members and the community at large. Ready to take the next step? Call us at 802-524-1323 or visit our website at Vermont Federal Credit Union today! Let us help you reach your financial goals with confidence and ease.

Branch History & Mission

Community Engagement

We also value partnerships that enhance our ability to serve you better. With shared service center availability and drive-thru banking options, we're here for your convenience. By collaborating with other institutions and participating in local events, we continue to strengthen our ties within the Saint Albans area. At Vermont, we understand the importance of keeping up with technological advancements. We offer online banking features and mobile payments that allow you to manage your finances anywhere you go. This commitment ensures that all members have equal access regardless of their circumstances.

Join Us

As we look toward the future, we invite you to join us on this journey. Experience firsthand how Vermont can help you achieve your financial dreams while being part of a community-focused organization. Together, let's build a stronger future! For more information or assistance, feel free to call us at (802) 524-1323 or visit our website at Vermont Federal.

Our Journey

Since opening our doors, Vermont has focused on building lasting relationships within the community. We started with the mission to provide affordable financial services tailored to the needs of our members. From offering personal banking options like checking and savings accounts to providing auto loans and mortgages, we've always been dedicated to helping individuals and families achieve their financial goals. Our branch is not just about numbers; it's about people. Each milestone we've reached has been made possible by the trust our members place in us. We are proud to serve as a resource for those looking to improve their financial well-being. Our commitment extends beyond traditional banking; we actively engage in community outreach initiatives that foster growth and support local causes.

Our Mission

The mission of Vermont is clear: we strive to empower our members through accessible financial services while making a positive impact in our community. We believe that when you succeed, we all succeed. Our services are designed with your needs in mind from basic banking services to complex loans for businesses or homes. Our operating hours cater to busy schedules, welcoming you 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. Whether you prefer visiting us in person or using our ATM services available at our location we aim to provide convenient access for all. While members can visit us at 55 Old Orchard Rd Saint Albans Vt 05478, official correspondence should be sent to PO Box 778, St Albans, VT 5478 if you need assistance outside of regular branch visits.

Branch Location & Accessibility

Comprehensive Services Just for You

When you come into the Vermont Credit Union, you'll find a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have something for everyone. Need quick cash? Our ATM is available for easy withdrawals or balance checks any time of day. Plus, our drive-thru service allows for quick transactions without leaving your vehicle. If you're a member of another participating credit union, take advantage of our shared services which enable you to conduct basic transactions right here at our branch.

Convenient Access and Features

At our branch, you'll enjoy ample parking that makes your visit hassle-free. We also prioritize accessibility for everyone. Our facility is ADA compliant, featuring ramps and easy access points to ensure all members can navigate comfortably.

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why we offer flexible operating hours. You can visit us Monday and Friday from 8:30 AM to 6:00 PM, Tuesday through Thursday from 8:30 AM to 5:00 PM, and even on Saturday from 9:00 AM to 12:00 PM. Our dedicated team is here during these hours to assist you with everything from personal banking services to business loans.

We're Here for You!

Whether you're looking to open an account or simply have questions about your finances, don't hesitate to reach out! Call us at (802) 524-1323 or stop by during our operating hours. We're excited to serve you and help you achieve your financial goals!

Member Eligibility

At Vermont, we believe that everyone deserves a chance to be part of a supportive community, and becoming a member is your first step toward enjoying all the benefits we offer. If you're in the area or work at one of our partner organizations, you may already qualify! Generally, eligibility is open to anyone who lives, works, worships, or attends school in the community. This means that whether you're just starting out or looking for new financial opportunities, we welcome you with open arms. For detailed eligibility criteria. Joining us is a simple process designed with you in mind. You can easily open an account online through our user-friendly portal by visiting https://vermontfederalcreditunionportal.mymortgage-online.com/loan-app/?siteid=5901102705&workflowid=143244. Should you have any questions or need assistance along the way, don't hesitate to call us at (802) 524-1323. We're here to help you every step of the way as you become a valued member of our family at Vermont located at 55 Old Orchard Rd Saint Albans Vt 05478.

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 $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.

Merchant Services

In addition to loans, we offer essential merchant services that make everyday transactions easier for you. Imagine having the ability to accept payments effortlessly, whether online or in-person, boosting your customer experience. Our tailored solutions help streamline your operations, giving you more time to focus on what matters most growing your business. Visit us at 55 Old Orchard Rd Saint Albans Vt 05478 in Saint Albans, VT, or call us at (802) 524-1323 to learn how we can help you achieve your business goals!

Comprehensive List Of Services

Business Banking

For business owners, we understand how crucial it is to have reliable banking services. Our Business Banking section includes merchant services and business loans tailored to help your enterprise thrive. We aim to be more than just a bank; we want to be a partner in your success.

Convenient Access

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking services, allowing you to manage your accounts anytime, anywhere. Need cash? Our ATMs are available for easy withdrawals and balance checks. If you prefer personal service, our basic drive-thru banking ensures that deposits and simple transactions are quick and hassle-free.

Loans and Financing

When it comes to financing, our Auto Loans & Vehicle Financing can get you on the road without breaking the bank. Whether you're buying a new car or refinancing an existing loan, we've got competitive rates that fit your budget. For those looking to buy a home, our Mortgage Loans & Refinancing options can guide you through the process smoothly, making homeownership achievable. If you're facing unexpected expenses or want to consolidate your debt, our Personal Loans & Debt Consolidation solutions provide flexibility and support. Additionally, with our Credit Cards with Rewards, you can earn points on everyday purchases which can lead to exciting benefits!

Personal Banking

We offer various Personal Banking options including checking and savings accounts that cater to different lifestyles. Imagine having a checking account that not only helps you manage your spending but also provides rewards for using it. Our savings accounts are designed to help you grow your money over time, giving you peace of mind as you save for that special purchase or future goals.

Shared Services

We also participate in shared branching transactions, meaning members from partner credit unions can make deposits and withdrawals right here at Vermont. This feature expands access for everyone in our community and enhances the overall banking experience. At Vermont, we believe that excellent service goes beyond just offering products; it's about building relationships with our members. If you're ready to experience banking that's tailored just for you, give us a call at 802-524-1323 or visit us online at vermontfederal.org. Let us help you achieve your financial goals today!

Digital & Online Banking

Easy Access to Your Accounts

Visit us at https://www.vermontfederal.org/ to explore our online banking features. With 24/7 online access, you can check your account balances, review transaction history, and transfer funds whenever it suits you. Need to send money to a friend or family member? Our person-to-person transfer feature makes it simple and quick.

Mobile Banking on the Go

For those who prefer banking from their mobile devices, our mobile application is available for download, making it easy to manage your accounts right from your phone. You can also take advantage of mobile payments, allowing you to pay bills or make purchases with just a tap.

Security You Can Trust

While enjoying these conveniences, rest assured that security is a top priority. We employ robust measures to protect your personal information and transactions. Although we do not currently offer electronic signature authorization, we continuously strive to enhance our security features for your peace of mind. At Vermont, we are committed to providing accessible and efficient banking solutions tailored to fit your lifestyle. Embrace the ease of digital banking with us today!

Stay Updated with E-Statements

Say goodbye to paper clutter! We provide e-statements that allow you to view your account statements online at any time. This eco-friendly option not only helps you stay organized but also ensures that your financial information is secure.

Financial Strength

At Vermont, 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 understand that the trust you place in us is paramount, and we are committed to maintaining a solid financial foundation to support your needs. 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 9.75% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. We also take pride in having 162 full-time employees and 11 part-time employees. This dedicated team ensures our branches are always ready to serve you with knowledgeable support. With $5,464 in used auto loans and $783,040,768 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our financial performance is reflected in our impressive $2,442,679, showcasing our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products tailored for you. Total Share Accounts stand at 126,268, showing a strong and growing member base that trusts us with their finances. 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 55 Old Orchard Rd Saint Albans Vt 05478 or call (802) 524-1323 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 $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 new or used vehicle, our team is ready to assist you through every step of the process.

Business Loans

For business owners, our outstanding commercial loans totaling $99,728,847 provide the capital needed to grow and expand your business. We work closely with entrepreneurs to tailor financing solutions that fit their specific needs. At Vermont, we're dedicated to providing transparent and supportive services as part of our commitment to our community. If you're considering any of our loan products, feel free to reach out at (802) 524-1323 or visit us at 55 Old Orchard Rd Saint Albans Vt 05478 in Saint Albans, VT. 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 take the next step toward achieving your financial dreams!

Mortgage Loans

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 provide guidance on eligibility options and refinancing opportunities to ensure that your journey to homeownership is smooth and straightforward.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $23,911,715 in loans helping members manage their finances effectively. These cards are designed for ease of use and can be an excellent way to handle unexpected expenses or build your credit history.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

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 commitment ensures that all offers are fair and transparent, allowing users to make informed choices without hidden surprises.

VERMONT FEDERAL CREDIT UNION - Saint Albans, VT

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Saint Albans, VT (05478)

Introduction

Branch History & Mission

Community Engagement

Join Us

Our Journey

Our Mission

Branch Location & Accessibility

Comprehensive Services Just for You

Convenient Access and Features

Operating Hours That Fit Your Schedule

We're Here for You!

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking

Convenient Access

Loans and Financing

Personal Banking

Shared Services

Digital & Online Banking

Easy Access to Your Accounts

Mobile Banking on the Go

Security You Can Trust

Stay Updated with E-Statements

Financial Strength

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

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