Overview / Commentary
802-654-4540
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 2,603rd largest credit union in the nation. It was established in 1989 and as of June of 2018, it had grown to 22 employees and 6,430 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.
See current membership details

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Health
B+
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 Chartered1989
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.27%
Annual Interest Income$821.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$39.1MM$37.0MM
LoansQ2 2018vs Q2 2017$31.3MM$29.1MM
DepositsQ2 2018vs Q2 2017$27.4MM$27.4MM
Equity CapitalQ2 2018vs Q2 2017$5.2MM$5.0MM
Secondary CapitalQ2 2018vs Q2 2017$1.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$255.00K$290.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$474.00K$415.00K
Real Estate OwnedQ2 2018vs Q2 2017$47.00K$66.00K
Rates
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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

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

Opportunities Credit Union Money Market Rates

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

Opportunities Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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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