Opportunities Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.00%	5-year CD	3.10% - American Express National Bank 60 Month CD
0.20%	1-year CD	2.65% - Barclays 12 Month Online CD
0.10%	Savings	2.20% - Barclays Online Savings Account

View all Opportunities Credit Union rates »

Overview / Commentary

www.oppsvt.org

802-654-4540

25 Winooski Falls Way Suite 203
Winooski, VT 05404

Opportunities Credit Union is headquartered in Winooski and is the 11^th largest credit union in the state of Vermont. It is also the 2,579^th largest credit union in the nation. It was established in 1989 and as of September of 2018, it had grown to 23 employees and 6,480 members at 3 locations. Opportunities Credit Union's money market rates are 70% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be a resident or business owner in the low-income area designated as the Old North End in the Burlington City Plan of 1984 or in the City of Winooski.
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Health

B+

Data as of Q3 2018

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Opportunities Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	67251
Year Chartered	1989
Employees	23
Primary Regulator

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	1.08%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$39.3MM$36.7MM
Loans	Q3 2018vs Q3 2017	$33.0MM$29.8MM
Deposits	Q3 2018vs Q3 2017	$27.1MM$27.1MM
Equity Capital	Q3 2018vs Q3 2017	$5.2MM$5.0MM
Secondary Capital	Q3 2018vs Q3 2017	$1.8MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$298.00K$262.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$501.00K$763.00K
Real Estate Owned	Q3 2018vs Q3 2017	$27.00K$0

Rates

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Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Opportunities Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Individual Development Accounts
0.10%	$100	-	Share Savings
0.10%	-	-	Super Super $avers

Opportunities Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$50k^*	-	Money Market
OTHER TIERS: 0.20% → $500 - $10k \| 0.35% → $10k - $50k

Opportunities Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	72 Month Share Certificate
1.75%	$500	-	60 Month Share Certificate
1.55%	$500	-	48 Month Share Certificate
1.50%	$500	-	15 Month Member Share Certificate Special
1.20%	$500	-	36 Month Share Certificate
1.00%	$500	-	24 Month Share Certificate
1.00%	$500	-	60 Month Social Investor CD
0.90%	$500	-	48 Month Social Investor CD
0.75%	$500	-	12 Month Share Certificate
0.40%	$500	-	36 Month Social Investor CD
0.30%	$500	-	24 Month Social Investor CD
0.20%	$500	-	12 Month Social Investor CD

Opportunities Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%	$500	-	72 Month IRA
1.75%	$500	-	60 Month IRA
1.55%	$500	-	48 Month IRA
1.50%	$500	-	15 Month Member IRA Special
1.20%	$500	-	36 Month IRA
1.00%	$500	-	24 Month IRA
0.75%	$500	-	12 Month IRA

Locations

Opportunities Credit Union Locations
Branch Office	8520 S Sandy Pkwy	Sandy, UT 84070-6422
Branch Office	25 Winooski Falls Way Suite 203	Winooski, VT 05404
Branch Office	92 North Ave	Burlington, VT 05401

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