Opportunities Credit Union

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Check our latest rates

MORTGAGE LOAN RATES

PRODUCTTERMRATEAPR*POINTS
Single Family(SF)
Conventional Fixed
30 yr
20 yr
15 yr
10 yr
6.875%*
6.500%*
6.250%*
6.125%*
6.942%
6.586%
6.314%
6.276%
0%
0%
0%
0%
SF 7/1 ARM 30 yr5.99%6.100%1.00%
(0% on Shared Equity Homes)
2-4 Unit 7/1ARM OO
(Owned by an Individual)
30 yr
5.990%
6.146%1.50%
2-4 Unit 7/1ARM NOO
(Owned by an Individual)
30 yr5.990%6.239%2.50%
20 Year Conventional
1-4 Units
20 yr5.875%5.984%1.00%
15 Year Conventional 1-4 Units15 yr5.625%5.732%1.00%
5/1 ARM 30 yr5.875%6.362%1%
3/1 ARM 30 yr5.625%5.984%1.00%
Mobile Home in a Park/Co-op10 yr9.990%10.390%1.50%
*Subject to change based on credit scores, property type, Loan to Value (LTV) and the US economy.
ARM-Adjustable Rate Mortgage, APR-Annual Percentage Rate
OO-Owner-occupied, NOO-Non-owner-occupied
This table reflects current rates, fees and charges applicable to most common loan products at Opportunities Credit Union. The Credit Union may amend the rates and fees contained in this schedule from time to time. Contact our lending team at lending@oppsvt.org to see if you qualify for a loan that meets your needs.


Details and Requirements Fees & Penalties

CONSUMER LOAN RATES

PRODUCTMAX TERMS APR*
(As Low As)
New & Used Auto0-36 Months
37-48 Months
49-60 Months
61-72 Months
73-84 Months
4.49%
4.99%
5.49%
5.99%
6.49%
Wow Auto0-36 Months
37-48 Months
49-60 Months
61-72 Months
73-84 Months
6.99%
7.49%
7.99%
8.49%
8.99%
Mini Wow36 Months9.99%
Independence
Fund
60 Months3.00%
Home Improvement Loan36 Months
48 Months
60 Months
5.99%
6.99%
7.99%
Home Energy Loan60 Months
120 Months
180 Months
0.00%
1.99%
2.99%
Citizenship Loan12 Months6.99%
Emergency (ELF) Loan36 Months15.00%
Borrow & $ave12 Months
36 Months
18.00%
15.00%
Credit Builder / Tracker Loan36 Months5.99%
Simple 536 Months9.99%
This table reflects current rates, fees and charges applicable to most common loan products at Opportunities Credit Union. The Credit Union may amend the rates and fees contained in this schedule from time to time. Contact our lending team at lending@oppsvt.org to see if you qualify for a loan that meets your needs.
Details and Requirements Fees & Penalties

Basic Savings

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

Details and Requirements Fees & Penalties

WOW Checking

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

Details and Requirements Fees & Penalties

Money Market Draft

REQUIRED BALANCE TO EARN INTERESTRATEAPY**
$0 - $499.00%.00%
$500 - $9,999.50%.501%
$10,000 - $49,999.60%.602%
$50,000 - $99,999.75%.753%
$100,000 and over1.00%1.005%

Details and Requirements Fees & Penalties

Money Market Shares

Required Balance to Earn InterestRatesAPY**
$0 - $4990.00%0.00%
$500 - $9,999.50&.501%
$10,000 - $49,999.60%.602%
$50,000 - $99,999.75%.753%
$100,000 and over1.00%1.005

Details and Requirements Fees & Penalties

Super-Duper Kids’ Savings

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

Details and Requirements Fees & Penalties

Member CDs and IRA CDs

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 Special4.00%4.060%$500
New Money only

Details and Requirements Fees & Penalties

.

Non-Member CDs

TermRateAPY**
Up to 12 Months0.75%0.752%
12 -24 months0.75%0.752%
36 Months0.75%0.752%
48 Months0.75%0.752%
60 Months0.75%0.752%

Fees & Penalties


Details:

APR* = annual percentage rate is the annual rate charged for borrowing or earned through an investment. 

APY** = annual percentage yield is the real rate of return earned on a savings deposit or investment taking into account 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 and assumes interest remains in the account until closed.

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

Rates may change without notice.

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1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

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AFTER HOURS 1-888-263-3370

Routing Number - 011692588

 
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