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
    • Pay it Forward CD
    • Check Our Latest Deposit Rates
    • Fee Schedule
  • Loans
    • Business Loans
    • Home Loans
    • Personal Loans
    • Home Self Service
    • Home Energy Loan by Efficiency Vermont
    • Energy
    • Winooski Housing Trust Fund
    • Check Our Latest Loan Rates
    • Fee Schedule
  • Financial Counseling
    • Business Sense
    • One-on-One Counseling
    • Workshops and Events
  • Log In

Rates

Basic Savings

RATEAPY**MINIMUM BALANCE REQUIREDMONTHLY SERVICE CHARGE
.10%.10%$25Free

See requirements and details

WOW Checking

RATEBALANCEAPY**BALANCE REQUIREDMONTHLY SERIVCE CHARGE
.0% $0 - $199-$50Free
.15%$200 - $49,999.15%$200Free
.30%Over $50,000.30%$200Free

See requirements and details

Money Market Checking

REQUIRED BALANCE TO EARN INTERESTRATEAPY**
$0 - $499.005%.005%
$500 - $9,999.50%.501%
$10,000 - $49,999.50%.501%
$50,000 - $99,9993.50%3.557%
$100,000 and over3.50%3.557%

See requirements and details

Super-Duper Kids’ Savings

RATEAPY**MINIMUM BALANCE MINIMUM BALANCE TO EARN INTERESTMONTHLY SERVICE FEE
.25%.25%$25$25Free

See requirements and details

Certificates of Deposit (Members)

TIMERATEAPY**MINIMUM BALANCE TO EARN INTEREST
3-Month0.25%0.25%$500
6-Month0.75%0.752%$500
12-Month0.75%0.752%$500
18-Month0.75%0.752%$500
24-Month0.75%0.752%$500
36-Month0.75%0.752%$500
48-Month0.75%0.752%$500
60-Month0.75%0.752%$500
Pay it Forward CD
12 Month
18 Month

0.75%
0.75%

0.752%
0.752%

$500
$500
12 Month Special4.25%4.318%$500
New Money only

See requirements and details

Non-Member CDs

Required Balance to Earn InterestRatesAPY**
$0 - $499.005%.005%
$500 - $9,999.50%.501%
$10,000 - $49,999.50%.501%
$50,000 - $99,9993.50%3.557%
$100,000 and over3.50%3.557%

“Pay It Forward” CD

TERMMEMBER EARNSCHARITY EARNSTOTAL RATEAPY*
12-MONTH.45%.35%.80%.802%
18-MONTH.60%.30%.90%.903%

See requirements and details

Money Market Savings

Required Balance to Earn InterestRatesAPY**
$0 - $499.005%.005%
$500 - $9,999.50%.501%
$10,000 - $49,999.50%.501%
$50,000 - $99,9993.50%3.557%
$100,000 and over3.50%3.557%

Requirements and Details:

* APY stands for “annual percentage yield” which is the rate earned on a deposit after the effect of compounding interest.

APY is based on monthly interest compounding for Regular Member Savings, E-Checking Account and Savvy Senior Checking Account. Quarterly interest compounding applies to all Certificates of Deposit Accounts and assumes interest remains in the account until closed.

Penalties may apply for early withdrawal of Certificate of Deposit Accounts. These accounts will automatically renew at maturity unless funds are withdrawn or a written notice is received within the initial 10-day grace period.

Rates may change without notice.






Log In





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 […]

We put the person in personal lending

October 17, 2022

Check out our latest video about this heart warming story of one of our members that was in a pinch!   Learn More    




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

 
© 2023 Opportunities Credit Union. All rights reserved. Site by Earthlogic.