White River Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.whitercu.com

802-767-3333

96 N Main St
Rochester, VT 05767-0419

White River Credit Union is headquartered in Rochester and is the 10^th largest credit union in the state of Vermont. It is also the 2,417^th largest credit union in the nation. It was established in 1947 and as of March of 2025, it had grown to 11 employees and 3,976 members at 3 locations. White River Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in White River Credit Union is open to those who live or work in the Vermont towns of Bethel or Rochester. Residents of the Middle Branch watershed of the White River (within a 20-mile radius of East Randolph Village) also qualify for membership.
See current membership details

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Health

B+

Data as of Q1 2025

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. White River Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	64421
Year Chartered	1947
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	1.69%
Return on Equity - YTD	14.13%
Annual Interest Income	$688K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$51.6MM$49.3MM
Loans	Q1 2025vs Q1 2024	$30.7MM$30.6MM
Deposits	Q1 2025vs Q1 2024	$45.2MM$43.9MM
Equity Capital	Q1 2025vs Q1 2024	$6MM$4.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$99K$84K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$233K$97K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
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.

White River Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$0	-	Primary Share Account
0.30%	$0	-	Holiday Club
0.30%	$0	-	Vacation Club

White River Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.40%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.30% → $0 - $2.5k \| 1.20% → $2.5k - $10k \| 1.50% → $10k - $25k \| 1.75% → $25k - $50k \| 2.35% → $50k - $100k

White River Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.20%^*	$10k^*	-	9 Month CD
OTHER TIERS: 3.10% → $1k - $10k
2.10%^*	$10k^*	-	24 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.05%^*	$10k^*	-	12 Month CD
OTHER TIERS: 1.95% → $1k - $10k
1.90%^*	$10k^*	-	6 Month CD
OTHER TIERS: 1.80% → $1k - $10k

White River Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.15%	$1k	$10k	12 Month IRA
2.15%	$1k	-	12 Month Roth IRA
0.70%	$0	-	IRA Accumulator Savings Account

Locations

White River Credit Union Locations
Branch Office	40 Pinnacle Rd	Randolph, VT 05060
Branch Office	96 N Main St	Rochester, VT 05767-9704
Branch Office	330 N Main St	Bethel, VT 05032

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