Opportunities Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	5-year CD	60 Month Social Investor CD 2.35% - Synchrony Bank 60 Month CD
0.20%	1-year CD	12 Month Social Investor CD 1.45% - CIT Bank 11-Month No-Penalty CD
0.10%	Savings	Share Savings 1.20% - Goldman Sachs Bank USA Online Savings

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 13^th largest credit union in the state of Vermont. It is also the 2,678^th largest credit union in the nation. It was established in 1989 and as of June of 2017, it had grown to 24 employees and 7,122 members at 3 locations. Opportunities Credit Union's money market rates are 25% 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+

Data as of Q2 2017

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	24
Primary Regulator

Profit Margin
Return on Assets - YTD	0.19%
Return on Equity - YTD	1.43%
Annual Interest Income	$764.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$37.0MM$36.4MM
Loans	Q2 2017vs Q2 2016	$29.1MM$27.7MM
Deposits	Q2 2017vs Q2 2016	$27.4MM$28.4MM
Equity Capital	Q2 2017vs Q2 2016	$5.0MM$4.4MM
Secondary Capital	Q2 2017vs Q2 2016	$1.3MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$290.00K$377.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$415.00K$524.00K
Real Estate Owned	Q2 2017vs Q2 2016	$66.00K$153.00K

Rates

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Savings
Money Market
Checking
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%	-	-	Superduper Savings

Opportunities Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$100k^*	-	Money Market
OTHER TIERS: 0.20% → $500 - $10k \| 0.35% → $10k - $50k \| 0.50% → $50k - $100k

Opportunities Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%	$200	$10k	E Checking with WOW Feature
1.50%	$500	$20k	Non Profit Checking with WOW Feature
1.50%	$500	$20k	Micro Biz Checking with WOW feature

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
1.20%	$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
1.20%	$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