Opportunities Credit Union

  • Open an Account
  • About Us
    • Frequently Asked Questions
    • Updates
      • News
      • Member Moments
    • Careers
    • Forms & Disclosures
    • Contact
    • Locations & Hours
    • File Exchange
    • Staying Secure Online
  • The OCU Story
    • Why OCU?
      • Opportunities in the news…
    • Invest In OCU
    • Our CDFI Impact
    • Strategic Plan
    • Annual Report
    • Board of Directors
  • Deposits
    • Mobile Banking
    • Mobile Deposit
    • Money Desktop
    • Savings Accounts
    • Checking Accounts
    • Check Our Latest Deposit Rates
    • Fee Schedule
  • Loans
    • Business Loans
    • Home Loans
    • Personal Loans
    • Home Self Service
    • Energy
    • Winooski Housing Trust Fund
    • Check Our Latest Loan Rates
    • Fee Schedule
  • Financial Counseling
    • Business Sense
    • Workshops and Events
  • Log In

Credit Builder

We offer loans to help our members build or repair credit regardless of their current financial situation. Our goal is to help you obtain home ownership, rental housing, or a car to get to and from work. Our financial mentors can assist you with this process so that your credit score does not continue to hold you back. Let us help you find your next Opportunity.

In a traditional loan, the borrower receives the money when the loan is closed. In our credit builder (Tracker) loan, the funds are placed in the borrowers account and placed on hold. As the borrower makes payments on the loan, the payment history is reported to the credit bureau; creating or re-establishing a positive payment history in the credit report. The loan size and monthly payment are based on affordability so the monthly payments can be small.

Once the loan has been paid in full the funds are released to the borrower with no restrictions. The funds can be used to pay off outstanding collections, used as a security deposit for housing or as a down payment for an auto purchase.

Call to find out more: 800-865-8328






Log In





Our Impact

February 9, 2024

Opportunities turns 35 this year, so it’s time to look back at our Impact over time. We have made just over $650 MILLION in community development loans since we were […]

When Dreams Come True – We Smile!

July 21, 2023

At Opportunities, when a family buys their first home, we smile. When we can help them find $50,000 toward their down payment, the smiles spread beyond our branches to our […]

Buying a house for the grandchildren

June 6, 2023

When one of our members was awarded full custody for her 4 grandchildren, her rental apartment all of a sudden was a tight squeeze. Diane was living self-sufficiently in a […]




Inform

  • Opportunities
    • EServices
    • Locations & Hours
    • Blog
    • Stories
    • News
    • Events
    • Contact
  • PROGRAMS
    • Savings & Checking
    • Our Money Sense Program
    • Independence Fund
  • RATES & LOANS
    • Check Our Latest Deposit Rates
    • Energy Loans
    • Personal Loans
    • Mortgage Lending
    • Business Lending
  • LEARN MORE
    • Frequently Asked Questions
    • Why OCU?
    • Invest In OCU
    • Funds Availability
    • Online Security
    • Privacy Policy
    • Luxury Expense Policy
    • Internet Gambling Notice

Explore

SHARE

VISIT

  

Connect

iphone_app_store  google_play
download youtube
Click For Locations and Hours

1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

REPORT A LOST OR STOLEN CARD
AFTER HOURS 1-888-263-3370

Routing Number - 011692588

 
© 2025 Opportunities Credit Union. All rights reserved. Site by Earthlogic.

One-on-One Business Counseling

Name(Required)

Business Sense

Name(Required)