Credit union · NCUA insured
One Credit Union
A $263.2M credit union headquartered in Springfield, VT, with 18,255 members and 8 branches in 2 states. Best rates: CDs 4.07% and savings 0.30% APY.
One Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#8 of 17 in Lebanon, NH-VT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About One Credit Union
One Credit Union is a member-owned institution formed in 2010 through the merger of United Community Credit Union, Champlain Valley Credit Union, and Bryant Federal Credit Union.
Headquartered in Springfield, Vermont, the credit union operates branch locations across Vermont and New Hampshire.
- Headquarters
- 380 River St, Springfield, VT 05156
- NCUA charter
- 63923
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to those who live, work, worship, attend school, or volunteer in any county in Vermont, throughout New Hampshire, or in specified counties across Massachusetts, Maine, and New York.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations composed primarily of the same eligible individuals.
Branches
8 branches in 2 states
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Vermont
6 branches
Lebanon area · 3
- Springfield OfficeMain office380 River St, Springfield, VT 05156Directions
- Chester Office569 Vermont Route 103 S, Chester, VT 05143Directions
- Clinton Street55 Clinton St, Springfield, VT 05156Directions
Barre area · 1
- Barre Office560 S Barre Rd, Barre, VT 05641Directions
Burlington area · 1
- Essex Office1 Market Pl, Suite 9, Essex Junction, VT 05452Directions
Vergennes area · 1
- Vergennes Office48 Green St, Suite 1, Vergennes, VT 05491Directions
New Hampshire
2 branches
- Claremont Office5 Kinney Pl, Claremont, NH 03743Directions
- Newport Office70 John Stark Hwy, Newport, NH 03773Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.52% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio7.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.52%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 One Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.