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

White River Credit Union is headquartered in Rochester and is the 12th largest credit union in the state of Vermont. It is also the 2,648th largest credit union in the nation. It was established in 1947 and as of December of 2017, it had grown to 14 employees and 4,455 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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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

NCUA #64421
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.71%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$36.7MM$36.0MM
LoansQ4 2017vs Q4 2016$24.7MM$23.2MM
DepositsQ4 2017vs Q4 2016$33.4MM$32.8MM
Equity CapitalQ4 2017vs Q4 2016$2.8MM$2.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$147.00K$122.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$230.00K$196.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

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

White River Credit Union Money Market Rates

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

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

0.40%$1k$10k12 Month IRA

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