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!

WOW Auto

Do you have a high interest rate on your auto loan? Do you owe more than your car’s “book value”?
Ask about how this program may help lower your payments or interest rate and build your savings at the same time!

Learn More Apply Now


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.

Apply Now


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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Energy Efficient Appliance Loan Program

The Energy Efficient Appliance Loan helps Vermonters finance new appliance purchases at low rates. With no minimum loan amount, up to $4,000 financing available, and rates as low as 0%, this program is right for everyone. In addition, customers of Burlington Electric Department may take advantage of qualifying rebates and incentives.

More Information


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.

Apply Now


Coming to America

Are you looking to become U.S. Citizen and can’t afford the paperwork? Is the cost of travel, immigration paperwork and medical tests preventing you from reuniting with your family? This program in partnership with the Association of Africans Living in Vermont (AALV), may be right for you. Contact us or AALV to find out more!

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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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Personal / 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.

Apply Now


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

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Vehicle Financing

February 25, 2021

My fiancé has driven the same vehicle since he drove it off the showroom floor 13 years ago. With the decision made to retire this vehicle in favor of something more reliable and more importantly affordable, we began the process of looking for the right family vehicle.  His birthday was coming up and living through […]

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 […]




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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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