Opportunities Credit Union

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Account Fees

Account Fees 
Abandoned Account Fee (Accounts with no current address and no activity for 24 months.)$150
Bank Check Fee$6
Check Cashing Fee-Non Member$40
Copies (including copies related to researcher page)$1
Copy- Corporate/Bank Check$20
Copy- Member Check (per item)$5
Copy -Money Order $20
Copy-Account Statement$6
Counter Checks (per check)$1
Early Account Closure-Closed Share within 180 Days of Opening$20
Fax Service Fee$1/per page
Inactive Account Fee ( Per month-after 12 months)$5
IRS levy$50
Money Market Account Excessive withdrawals (6 free per month)$5 per withdrawal beginning w/7th
Money Order fee$3
Non-Sufficient funds covered by overdraft protection transfer (per Transaction Fee)$3.50
Non-Sufficient funds returned/or paid (per item)$35
Notary Fee (Non-Members)$15
One time ACH Transfer Fee –(manual per item)$30
Paper Statement Fee (Per statement for deposit or loan accounts.)$4
Research Fee $25 / per hour (minimum 1 hr.)
Returned Mail Processing (per item)$6
Scheduled Bill Payment-(manual per item)$3.50
Stop Payment Fee- (per item)$25
Stop Payment Fee-Money Order$35
Teller Phone Transfer Fee$5

Electronic Banking

ELECTRONIC BANKING 
ATM Out of Network Transaction Fee$1.75
Debit Card Replacement Fee-Damaged Card $20
Debit Card/Lost or Stolen Fee includes replacement card.$25
Debit Card Rush/Overnight$40
Debit Card-PIN based Transactions (10 Free per month)- Select “Credit” or “Signature-Based” transactions to avoid these fees.$1.75 starting with /11th transaction
0 E-Mortgage, Loan and Deposit StatementsFREE
E-Bill PaymentsFREE
Electronic Funds Transfer-Member to Member transfers between an account at OCU and another Credit Union affiliated with Tricorp FCU.FREE
E-Banking-account history, transfers, payments and money management.FREE
Electronic Check Deposit from SMART device-Remote Check CaptureFREE
Wire-Outgoing International Per Wire$45
Wire-Outgoing Domestic Per Wire$30
Wire-Incoming Per Wire$15

Instructions for Electronic Funds Transfers:

Address:

Opportunities Credit Union

25 Winooski Falls Way, Ste. 203

Winooski, VT 05404

Phone: 1-800-865-8328

OCU’s Routing and Transit #011692588

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Challenges of Finance Being a Single Working Mom

January 13, 2021

The author of this blog qualified for an auto loan after working with Andrea Heller, our Money Sense Manager, to tackle bill paying and face down a creditor. I am a single mother and an educator. My child has complicated health and educational needs. We have moved many times in the past two decades, and […]

What do you think about financial counseling?

December 14, 2020

I started financial counseling during the foreclosure crisis in 2008. A decade ago many of my clients felt isolated by their financial struggles. It was challenging for adults who struggled with their finance to find professional assistance, and the area of personal finance appeared to be an exclusive world. Today, I hear more people speaking […]

Simple 5 Loan – Get a quick loan to help out this holiday season

November 21, 2020

The weather has gotten cooler, and we’ve taken out our winter clothing. The holiday season is coming up, and so is the snow. At Opportunities Credit Union (OCU) we’re working hard to wrap up 2020, and we continue to innovate ways to best serve our customers.   This time of year can be difficult for […]




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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
1.800.528.2273
1.800.889.5280 (Fraud Prevention Hotline)
1.800.MasterCard

Routing Number - 011692588

 
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