Opportunities Credit Union

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Personal Loans

We offer affordable consumer loans with competitive rates, local servicing, quick turnaround and staff you can trust. We’re your one stop shop for financial services!

Opportunities Credit Union no longer offers the Home Energy Loan through Efficiency Vermont. For assistance, please contact Efficiency Vermont at Astrom@veic.org.


E-Bike Loan Program

Opportunities Credit Union is partnering with Old Spokes Home to provide E-Bikes at low rates to Vermonters. With no minimum loan amount, up to $4,000 financing available, and rates as low as 0% depending on Household income, this program could be what you’re looking for!

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Borrow And Save

“Borrow and Save” is a safe, convenient small-dollar loan ranging from $500 to $2,500 with a required savings component. Part of the loan is available immediately and part is held in a savings account that is available to you when you pay off your loan.
Ask how this can help you build credit, savings and avoid or pay off a high rate or “payday advance” loan.

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Simple 5

“Simple” 5 is a loan for up to $5,000. We help you develop a Financial Action Plan and you decide how to use the money to advance towards your goals. Timely payments ensure you can use this program over and over to meet your goals!
Ask how good repayment habits can help you access affordable money as you need to secure your financial future?

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Personal Overdraft Line of Credit

A personal line of credit is a loan that you access from time to time. You may draw on your line of credit by requesting a transfer to your checking account by phone (fees may apply) or online (free). You may also opt in to overdraft protection and select your personal line of credit as the account used to cover your overdraft. You may be eligible to receive a line of credit that you can use as part of your overall financial plan.

You may apply for a Personal Overdraft Line of Credit through our secure, web based application system by selecting PERSONAL OVERDRAFT LINE OF CREDIT and completing the information requested. We will review your request and if approved, we will notify you of your line of credit limit.

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Home Improvement

Looking to make some small home improvements this weekend? Whether upgrading your vintage countertops or replacing that leaky roof, this loan offers a quick process and short term repayment to get your home back on track and paid off fast and affordably.

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Vehicles

Having a reliable vehicle in the “Green Mountains” isn’t just convenient, it’s a basic need. We can finance your vehicle or refinance your higher cost auto loan and help you with repairs. Our competitive rates and same day approvals get you where you need to be.

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Credit Builder

Poor credit? No credit? By making timely payments the “Credit Builder” loan may help you build/ improve your credit score and start you on the path to a stronger financial future.

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Stewart “ELF” (Emergency Loan Fund)

Do you have an emergency need for a small loan and are not able to find affordable financing? Ask about the ELF and see if it can work for you.

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Independence Fund

The Independence Fund is an innovative program that offers affordable financing for all types of assistive technology to improve your life including home and vehicle modifications, wheelchairs, scooters, computers, assistive equipment, hearing aids and dentures. Since the fund started it has provided over $2 million in affordable loans to more than 300 Vermonters allowing them to become more independent at home, work and school. Our staff will assist you with your application and with developing an affordable repayment plan considering your income and needs. Apply today!

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Recreational

For business or pleasure, our recreational loans help members take advantage of our great state. Need an ATV or snowmobile, a watercraft for the lake, an RV or motorcycle for wherever the road leads? Let our lenders put together financing that turns your dream into a reality.

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Ask about special lending programs that may be available to help you grow financially and environmentally.






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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 […]




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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
AFTER HOURS 1-888-263-3370

Routing Number - 011692588

 
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