Credit union · NCUA insured
802 Credit Union
A $500.3M credit union headquartered in Barre, VT, with 42,126 members and 12 branches in Vermont. Best rates: CDs 1.70% and savings 1.00% APY.
802 Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#7 of 17 in Lebanon, NH-VT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 802 Credit Union
Headquartered in Barre, Vermont, 802 Credit Union is a member-owned financial cooperative serving over 41,000 members across 12 neighborhood branches in Vermont.
The credit union formed in 2020 when Members Advantage Community Credit Union and River Valley Credit Union joined forces.
In 2025, 802 Credit Union expanded by welcoming White River Credit Union into its organization.
- Headquarters
- 265 S Main St, Barre, VT 05641-4815
- NCUA charter
- 62983
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Vermont or in Grafton, Sullivan, or Cheshire County, New Hampshire are eligible to join.
Family and household
- Individuals related to a current 802CU member are eligible to join.
Cost to join
- Members must maintain a minimum $5 balance in a savings account to keep membership active.
Branches
12 branches in Vermont
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Vermont
12 branches
Lebanon area · 6
- Bethel330 Main Street, Bethel, VT 05032Directions
- Randolph40 Pinnacle Rd, Randolph, VT 05060Directions
- Rochester96 N Main St, Rochester, VT 05767Directions
- Springfield34 Clinton St, Springfield, VT 05156Directions
- White River Jct614 N Hartland Rd, White River Junction, VT 05001Directions
- Windsor Office160 Main St, Windsor, VT 05089Directions
Brattleboro area · 4
- Bellows Falls105 Westminster St, Bellows Falls, VT 05101Directions
- Brattleboro820 Putney Rd, Brattleboro, VT 05301Directions
- Putney52 Main St Ste 1, Putney, VT 05346Directions
- Townshend1154 VT Route 30, Townshend, VT 05353Directions
Barre area · 1
- Barre/Main OfficeMain office265 S Main St, Barre, VT 05641Directions
Burlington area · 1
- South Burlington50 White St, South Burlington, VT 05403Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.50% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio12.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.50%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 802 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.