2024 Overview
General Credit Union Information
802 is an NCUA insured institution located in Barre, VT. It was founded in 1953 and has approximately $402.53 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62983 |
| Date Established | 1953 |
| Assets | $402.53 million |
| Loans | $292.47 million |
| Deposits | $353.74 million |
| Capital | $45.66 million |
Field of Membership Restrictions
Membership is open to those who live, worship or work in Chittenden, Orange, Lamoille, Washington and Windsor Counties in Vermont and the towns of Lebanon, Lyme, Hanover, Enfield, Dorchester, Canaan, Newport, Plainfield, Cornish, Grantham, and Croyden in New Hampshire. Membership is also open to employees and retirees of private and public schools in the above counties; employees and officials of the Burlington Public School Department, the University of Vermont, St. Michael's College, Champlain College, Vermont Student Assistance Corporation, Vermont Public Television, Burlington College and students in the school districts, universities and colleges served by the credit union.
Deposit Rates - December 15, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.08% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.20% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.20% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - December 15, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for 802
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.368% | 6.250% | 0.75 | $4,000 | $1,971 | Learn More |
NMLS ID: 2592312 License#: RM.805266.000 |
6.622% | 6.500% | 0.88 | $4,275 | $2,023 | Learn More |
NMLS ID: 1907 |
6.686% | 6.500% | 1.00 | $6,202 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.716% | 6.625% | 0.75 | $3,023 | $2,049 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.750 % After Intro: 7.750 % |
$25,000 |
Learn More
More Info |
Note to 802
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Branches
Below are 802 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
802 Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 606.77 | A | View Lobby Hours | |
| 614.29 | B | View Lobby Hours | |
| 619.37 | C | View Lobby Hours | |
| 619.38 | D | View Lobby Hours | |
| 620.62 | E | View Lobby Hours | |
| 628.27 | F | View Lobby Hours |
Climate Policy and Initiatives
802 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
802 Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of 802. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| 802 | U.S. Average |
|---|---|
| 7.87% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, 802 had $3,436,210 in non-current loans and $296,116 in owned assets. To cover these potential losses it had $45,663,128 in net worth and $1,789,957 in loans loss reserves. That gives it a Texas Ratio of 7.87%.
Net Worth
| 802 | U.S. Average |
|---|---|
| 11.34% | 13.93% |
802 FCU has a net worth of 11.34% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for 802
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