Overview / Commentary
25 Winooski Falls Way Suite 203
Winooski, VT 05404

Opportunities Credit Union is headquartered in Winooski and is the 11th largest credit union in the state of Vermont. It is also the 2,579th 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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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

NCUA #67251
Year Chartered1989
Primary Regulator
Profit Margin
Return on Assets - YTD0.14%
Return on Equity - YTD1.08%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$39.3MM$36.7MM
LoansQ3 2018vs Q3 2017$33.0MM$29.8MM
DepositsQ3 2018vs Q3 2017$27.1MM$27.1MM
Equity CapitalQ3 2018vs Q3 2017$5.2MM$5.0MM
Secondary CapitalQ3 2018vs Q3 2017$1.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$298.00K$262.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$501.00K$763.00K
Real Estate OwnedQ3 2018vs Q3 2017$27.00K$0
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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

0.50%--Individual Development Accounts
0.10%$100-Share Savings
0.10%--Super Super $avers

Opportunities Credit Union Money Market Rates

0.75%*$50k*-Money Market
OTHER TIERS: 0.20% $500 - $10k | 0.35% $10k - $50k

Opportunities Credit Union CD Rates

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

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

Opportunities Credit Union Locations
Branch Office8520 S Sandy PkwySandy, UT 84070-6422
Branch Office25 Winooski Falls Way Suite 203Winooski, VT 05404
Branch Office92 North AveBurlington, VT 05401

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