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Overview / Commentary
802-767-3333
96 N Main St
Rochester, VT 05767-9704

White River Credit Union is headquartered in Rochester and is the 13th largest credit union in the state of Vermont. It is also the 2,688th largest credit union in the nation. It was established in 1947 and as of December of 2016, it had grown to 15 employees and 4,558 members at 3 locations. White River Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to live or work in Rochester or Bethel, Vermont., residents of the watershed of the Middle Branch of the White River.
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Health
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 low asset base.

Health Grade Components

Overall
NCUA #64421
Year Chartered1947
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.61%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$36.0MM$34.0MM
LoansQ4 2016vs Q4 2015$23.2MM$23.0MM
DepositsQ4 2016vs Q4 2015$32.8MM$31.0MM
Equity CapitalQ4 2016vs Q4 2015$2.8MM$2.8MM
Loan Loss AllowanceQ4 2016vs Q4 2015$122.00K$188.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$196.00K$215.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$45.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

White River Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%--IRA Accumulator Savings Account
0.10%--Primary Share Account
0.10%--Club Account

White River Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.23%*$100k*-Money Market Account
OTHER TIERS: 0.10% $1k - $10k | 0.13% $10k - $25k | 0.15% $25k - $50k | 0.18% $50k - $100k

White River Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$10k-24 Month Municipal CD
0.50%*$10k*-24 Month CD
OTHER TIERS: 0.40% $1k - $10k
0.35%*$10k*-12 Month CD
OTHER TIERS: 0.25% $1k - $10k
0.30%*$10k*-6 Month CD
OTHER TIERS: 0.20% $1k - $10k
0.30%*$10k*-9 Month CD Special
OTHER TIERS: 0.20% $1k - $10k

White River Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k$10k12 Month IRA
Locations


White River Credit Union Locations
Branch Office40 Pinnacle RdRandolph, VT 05060
Branch Office96 N Main StRochester, VT 05767-9704
Branch Office330 N Main StBethel, VT 05032