White River Credit Union Rochester VT | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to White River Credit Union, your trusted financial partner in the heart of Rochester, VT! Established in 1947, we have been proudly serving our community for over 75 years. Located at 96 N Main St, we are dedicated to providing personalized banking solutions that cater to your unique needs. Our commitment to our members is reflected in our impressive total assets of $48,540,979 and a robust membership base of 4,026 individuals who count on us for their financial well-being. At White River, we understand that every member's journey is different. That's why we offer a diverse range of services including personal banking, auto loans, mortgages, and business banking solutions. With total deposits amounting to $1,539,565, you can trust that your finances are in safe hands. Our CEO, Wanda Dunham, along with Board President Andrew West, leads our team of 12 dedicated employees who are passionate about helping you achieve your financial goals. While members can visit us at our branch location in Rochester, official correspondence should be sent to the same address: 96 N Main St, Rochester, VT 05767-9704. Whether you're looking to open a new account or need assistance with loans totaling 2,101, we're here for you. With a net worth of $5,521,415 and cash in hand of $667,664, White River Credit Union stands strong and ready to support your financial aspirations. We invite you to discover how our community-focused approach can make a difference in your life. Feel free to call us at 802-767-3333 or visit our website at www.whitercu.com for more information. Join us today and experience the difference of being part of the White River family!

Branch History & Mission

Commitment to Service

At White River, we take pride in our commitment to exceptional service. Our branch features both ATM access and drive-thru banking options for your convenience. Our dedicated team is here during lobby hours from Monday to Friday, opening at 8:30 AM and closing at 5:00 PM on weekdays. While you can visit us at our main office for all your banking needs, any official correspondence should be directed to our mailing address at 96 N Main St, Rochester, VT 05767-9704.

Join Us

As we look toward the future, we invite you to become part of the White River family. Whether you're looking for support with personal loans or need help with business banking services, we're here for you every step of the way. Experience the benefits of being a member of White River by visiting us or calling us at 802-767-3333 today! Together, let's build a brighter financial future for everyone in our community. Join us on this exciting journey your community bank awaits!

Our Story

Located at 96 N Main St, Rochester, VT 05767, our branch is not just a place for banking; it's a hub of community connection. Over the years, we have evolved alongside our members' needs and aspirations. From modest beginnings as a small credit union, we have expanded our services to include personal banking options such as checking and savings accounts, auto loans, mortgage financing, and more. We are proud to offer convenient services like online banking and mobile payments to ensure our members can manage their finances effortlessly. Our mission at White River is simple yet powerful: to provide accessible financial services while supporting our local community. We believe that when our members thrive, so does our community. This mission drives us to forge partnerships with local organizations and participate in outreach efforts that make a real difference in people's lives.

Branch Location & Accessibility

Banking Hours and Services

We understand that your time is valuable. That's why our doors are open from Monday to Thursday from 8:30 AM to 4:30 PM and Fridays until 5:00 PM. Our friendly staff is ready to assist with a range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. If you prefer to handle your banking on the go, we offer online and mobile banking options for your convenience. Plus, if you're in a hurry, take advantage of our drive-thru service which allows for easy deposits and withdrawals without leaving your vehicle.

Contact Us Today!

Have questions or need assistance? Feel free to give us a call at 802-767-3333. We're here to help you with any financial needs you may have. So come visit us at White River Credit Union your trusted partner in achieving your financial goals!

Convenient Access and Nearby Landmarks

Our branch is nestled near popular spots like the charming local park and various shops that line Main Street. With ample parking available, you can easily pop in for a quick transaction or sit down for more detailed financial planning. We are committed to making banking as convenient as possible, which is why our facility is ADA compliant, ensuring accessibility for everyone.

Member Eligibility

At White River, we believe that becoming a member is like joining a caring family where everyone looks out for each other. If you're interested in joining us, you'll be happy to know that our eligibility requirements are quite friendly! Anyone who lives, works, worships, or goes to school in the area around 96 N Main St Rochester Vt 05767 is welcome to apply. This means you can easily become part of our community and enjoy all the benefits that come with membership, such as competitive rates on loans and personalized service tailored just for you. Ready to get started? Opening an account is a breeze! You can find all the details about the process by visiting our account opening page at https://www.whitercu.com/products-services/services/debit-cards/ . If you have any questions or need assistance along the way, feel free to give us a call at (802) 767-3333. For more specific eligibility information, check out this link: https://www.whitercu.com/about-white-river-credit-union/who-can-join/ . We can't wait to welcome you into the White River family!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer merchant services that simplify payment processing. Picture this: a busy Saturday morning at your store where customers are lined up to pay. With our reliable merchant services, transactions go smoothly and quickly, enhancing customer satisfaction and keeping your business running efficiently. Whether you're just starting out or looking to scale, White River is dedicated to providing personalized support tailored to your specific needs. Together, we can pave the way for your business's success right here in Rochester. Reach out today at (802) 767-3333 to learn more about how we can assist you!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no member or non-member commercial loans available, we're eager to explore opportunities with local businesses as our community continues to grow. Imagine having access to capital that allows you to expand your operations, invest in new equipment, or hire additional staff. Our commercial loans are designed for that very purpose empowering you to take your business further.

Comprehensive List Of Services

Cash Access When You Need It

Need cash in a hurry? Our ATM services ensure that you have access to your money whenever necessary. With basic drive-thru banking available for deposits and withdrawals, getting the service you need has never been easier. At White River, we strive to make every financial interaction as smooth as possible so that you can focus on what matters most in life. If you're ready to take advantage of these services or have any questions, don't hesitate to reach out! Call us at (802) 767-3333 or visit us at 96 N Main St Rochester Vt 05767 in Rochester, VT. We look forward to serving you! For more information about joining us, visit our website.

Digital Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, and even make person-to-person payments all from the comfort of your home or on the go.

Loans for Every Need

We understand that life can bring unexpected expenses or opportunities. That's why we offer personal loans and debt consolidation services to help you manage those costs effectively. Additionally, our credit cards come with rewards, giving you benefits for everyday purchases.

Personal Banking Made Simple

Whether you're looking to open a checking or savings account, White River has got you covered. We offer personal banking options that make it easy for you to manage your finances. Imagine having a checking account that allows you to access your money whenever you need it, with the added benefit of savings accounts that help you grow your funds over time. When it comes to financing your vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms, making car ownership more accessible. If homeownership is your goal, explore our mortgage loans and refinancing options designed to fit your budget.

Support for Local Businesses

For our business members, White River offers a suite of business banking services including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your goals with tailored financial solutions.

Digital & Online Banking

Convenient Online Access

Our online banking service at https://www.whitercu.com/ is available 24/7, allowing you to check balances, pay bills, and transfer money without stepping into a branch. Whether you're at home or on the go, you have real-time access to your accounts right at your fingertips.

Effortless Transactions

Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy. Plus, with mobile payments enabled, you can make purchases directly from your smartphone. This means fewer cards to carry and more freedom in how you pay!

On-the-Go Banking

For even greater convenience, download our mobile application. It's designed for easy navigation so you can manage your accounts on the move whether checking balances or making transfers. At White River, we strive to provide accessible banking solutions tailored to fit your lifestyle. Join us today and experience the ease of digital banking!

Secure and Simple Features

Security is our top priority. We use electronic signature authorization for an extra layer of protection when you're signing documents online. You can bank confidently knowing that your personal information is safe with us.

Stay Informed with E-Statements

No more waiting for statements in the mail! Enjoy the convenience of e-statements, which are not only eco-friendly but also provide instant access to your account information whenever you need it.

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 8,359, reflecting a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, further showcasing our capability to support your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, White River is your trusted partner. Visit us at 96 N Main St Rochester Vt 05767 or call (802) 767-3333 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $4,926,135 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 $710 in used auto loans and $31,304,378 in total loans and leases across various sectors.

Member-Centric Savings

Members' savings are secured through $3,798,662 in share certificates and $3,185,551 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 commitment to operational efficiency is evident with a net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We're proud to have 11 full-time employees and 1 part-time employees ready to assist you with knowledgeable service.

Strong Financial Foundations

With a net worth of $5,521,415, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,137 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 $9,280,234 in used vehicle loans and $3,806,835 in new vehicle loans already helping members get on the road. We aim to make financing easy and accessible for you. Plus, if you're considering refinancing your current auto loan, we have options that can save you money each month.

Credit Lines

For those who need extra flexibility, our total credit lines available amount to $2,500,000. This option allows you to borrow as needed while only paying interest on what you use. It's perfect for managing unexpected expenses or funding larger projects. At White River, we believe that financial empowerment starts with having the right tools at your disposal. Our dedicated team is ready to assist you with any questions about eligibility or the refinancing process. Feel free to reach out to us at 802-767-3333 or visit us at 96 N Main St Rochester Vt 05767 for more information about how our loan products can work for you. 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 include Junior Lien 1-4 Family Residential Properties loans totaling $3,402,424, making buying or refinancing simple. We pride ourselves on offering a straightforward process and are here to guide you through every step of securing your dream home.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $624,996 in loans helping members manage their finances effectively. These credit cards come with various benefits and rewards that make everyday purchases easier while keeping your budget in check.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh guarantees accurate loan comparisons by sourcing data 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 approach ensures that all offers are fair and transparent, allowing consumers to make informed decisions.

WHITE RIVER CREDIT UNION