White River Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.35%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.10%	Savings	Primary Share Account 1.20% - Synchrony Bank High Yield Savings
0.50%	2-year CD	24 Month CD 1.65% - Synchrony Bank 24 Month CD

View all White River Credit Union rates »

Overview / Commentary

www.whitercu.com

802-767-3333

96 N Main St
Rochester, VT 05767-9704

White River Credit Union is headquartered in Rochester and is the 13^th largest credit union in the state of Vermont. It is also the 2,659^th largest credit union in the nation. It was established in 1947 and as of March of 2017, it had grown to 14 employees and 4,514 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.
See current membership details

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Health

B

Data as of Q1 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. White River Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	64421
Year Chartered	1947
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.2%
Return on Equity - YTD	-2.61%
Annual Interest Income	$324.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$37.8MM$35.5MM
Loans	Q1 2017vs Q1 2016	$23.1MM$22.9MM
Deposits	Q1 2017vs Q1 2016	$34.5MM$32.0MM
Equity Capital	Q1 2017vs Q1 2016	$2.8MM$2.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$128.00K$189.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$116.00K$237.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$45.00K

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
0.20%	-	-	IRA Accumulator Savings Account
0.10%	-	-	Primary Share Account
0.10%	-	-	Club Account

White River Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	$1k	$10k	12 Month IRA

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