What are the current interest rates at 802 Credit Union?

Current rates for 802 Credit Union include: 12-Month CD: 1.70%, 18-Month CD: 1.80%, 24-Month CD: 2.05%, 60-Month CD: 2.00%, MMA: 2.25%

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802 Credit Union

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802 Credit Union Rates & Review October 2026

Q: How many branches does 802 Credit Union operate?

802 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join 802 Credit Union?

Yes, to access services at 802 Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, 802 Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 802 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

802 Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 13 month special IRA CD, 2.25% APY on money market accounts, 5.00% on its 1/1 ARM mortgage, rv, boat and powersport loans from 5.24% APR, and credit cards from 8.02% APR, according to rates verified by MonitorBankRates. Other 802 Credit Union CD rates include 9 month special (new money) at 4.00%, 9 Month CD Special at 3.75%, and 7 Month CD Special at 3.25%. Other 802 Credit Union mortgage rates include 30-Year Fixed-rate Home Loan at 6.50%, 3/1 ARM at 5.25%, and 5/1 ARM at 6.00%. MonitorBankRates evaluates the financial stability of 802 Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.74%. Rates last updated and verified on 10/09/2026.

802 Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 802 Credit Union? Share your experience about 802 Credit Union by leaving a review below, or read customer reviews before you decide to use 802 Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.74%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

802 Credit Union
Barre/Main Office

265 S Main St
Barre, VT 05641-4815

https://www.802cu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

802 Credit Union CD Rates

Product	Rate	APY	Term
13 month special IRA Certificate	3.92%	4.00%	13 month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
9 month special (new money)	3.92%	4.00%	9 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
9 Month Certificate Special	3.68%	3.75%	9 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
7 Month Certificate Special	3.20%	3.25%	7 month
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
802 Day Certificate	3.20%	3.25%	802 days
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
36 month special IRA Certificate	2.96%	3.00%	36 month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
48 Month IRA Certificate	2.18%	2.20%	48 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
60 Month IRA Certificate	2.18%	2.20%	60 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
24 Month IRA Certificate	2.13%	2.15%	24 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
12 Month IRA Certificate	2.08%	2.10%	12 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
18 Month IRA Certificate	2.08%	2.10%	18 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 2.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
48 Month Certificate	2.08%	2.10%	48 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
60 Month Certificate	2.08%	2.10%	60 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
24 Month Certificate	2.03%	2.05%	24 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
36 Month Certificate	2.03%	2.05%	36 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
12 Month Certificate	1.98%	2.00%	12 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Youth Savers 5 Year Term	1.98%	2.00%	5 Year
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
6 Month IRA Certificate	1.83%	1.85%	6 months
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
18 Month Certificate (no-penalty)	1.78%	1.80%	18 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
6 Month Certificate	1.78%	1.80%	6 months
Min Deposit $500 Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Smart Savers 1 Year Term	1.69%	1.70%	1 Year
Min Balance $50 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Savings Rates

Product	Rate	APY	View More
Smart Savers CD & Youth Savers CD	0.30%	0.30%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Money Market Rates

Product	Rate	APY
Money Markets	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000.00+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000-49,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-24,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	0.75%	0.75%
Min Balance $2,000 Details Balance: $2,000-9,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Money Markets	0.50%	0.50%
Min Balance $500 Details Balance: $500-1,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
30-Year Fixed-rate Home Loan	-	-	6.50%	30-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
3/1 ARM	5.25%	0.00%	6.61%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.61% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
5/1 ARM	6.00%	0.00%	6.685%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
1/1 ARM	5.00%	0.00%	6.851%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Construction Loan - 1/1 ARM with General Contractor	5.25%	1.00%	6.876%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.78% → 6.88% ▲ 2.10 pts · high 6.88% / low 4.78% Oct 9, 20266.88%▲ from 4.78% Sep 14, 20264.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - Primary Residence - Servicing Retained - 10 Year	6.50%	0.00%	6.878%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained	6.25%	1.00%	6.974%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.97% ▲ 1.23 pts · high 6.97% / low 5.75% Oct 9, 20266.97%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - Primary Residence - Servicing Retained - 15 Year	6.75%	0.00%	7.022%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Construction Loan - 1/1 ARM Self-Build	6.75%	1.00%	7.029%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.25% → 7.03% ▲ 0.78 pts · high 7.03% / low 6.25% Oct 9, 20267.03%▲ from 6.25% Sep 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained	6.00%	1.00%	7.054%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.59% → 7.05% ▲ 1.47 pts · high 7.05% / low 5.59% Oct 9, 20267.05%▲ from 5.59% Sep 14, 20265.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - Primary Residence - Servicing Retained - 20 Year	7.00%	0.00%	7.221%	20 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained	7.00%	1.00%	7.272%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.26% → 7.27% ▲ 1.02 pts · high 7.27% / low 6.26% Oct 9, 20267.27%▲ from 6.26% Sep 14, 20266.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Conventional Fixed Rate Mortgage - Primary Residence - Servicing Retained - 30 Year	7.25%	0.00%	7.423%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.42% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained - 1/1 ARM	8.00%	0.00%	8.23%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.23% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained - 3/1 ARM	8.25%	0.00%	8.482%	3/1 ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.79% → 8.48% ▼ 0.31 pts · high 8.79% / low 8.48% Oct 9, 20268.48%▼ from 8.79% Sep 14, 20268.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgage (Non-Owner Occupied) - servicing retained	8.00%	1.00%	8.624%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.62% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgage (Non-Owner Occupied) - servicing retained	8.25%	1.00%	8.706%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.71% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgage (Non-Owner Occupied) - servicing retained	8.375%	1.00%	8.749%	20 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Investment Property Mortgage (Non-Owner Occupied) - servicing retained	8.625%	1.00%	8.926%	30 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained - 5/1 ARM	9.00%	0.00%	9.24%	5/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained - 1/1 ARM	9.00%	0.00%	9.291%	1/1 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	9.00%	0.00%	9.397%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	9.25%	0.00%	9.543%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.54% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	9.375%	0.00%	9.618%	20 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.62% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	11.00%	0.00%	11.414%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	11.25%	0.00%	11.562%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.56% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Manufactured Home Fixed Rate Mortgage	11.375%	0.00%	11.639%	20 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.64% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto & Motorcycle Loans	-	-	5.24%	24 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.49%	36 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.74%	48 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	5.99%	60 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25- 26 Loan	-	-	5.99%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan	-	-	5.99%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.24%	66 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25- 26 Loan	-	-	6.24%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan	-	-	6.24%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.49%	72 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25- 26 Loan	-	-	6.49%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan	-	-	6.49%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.74%	24 months
Details Used '11-'18 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - New '25- 26 Loan	-	-	6.74%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '19-'24 Loan	-	-	6.74%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.99%	36 months
Details Used '11-'18 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 6.99% ▲ 1.50 pts · high 6.99% / low 5.49% Sep 18, 20266.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	6.99%	84 months
Details New '25-'26 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto & Motorcycle Loans	-	-	7.24%	48 months
Details Used '11-'18 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11- 18 Loan	-	-	7.74%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11- 18 Loan	-	-	7.74%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Other Titled Vehicles - Used '11- 18 Loan	-	-	7.99%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Auto Loan	-	-	10.74%	24-60 months
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	8.02%
Details Intro Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 8.02% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

802 Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Second Home Adjustable Rate Mortgages - servicing retained - 1/1 ARM	5.375%	0.375%	6.926%	1/1 ARM
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgages - servicing retained - 3/1 ARM	5.625%	0.375%	6.745%	3/1 ARM
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.06% → 6.75% ▲ 1.69 pts · high 6.75% / low 5.06% Oct 9, 20266.75%▲ from 5.06% Sep 14, 20265.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Adjustable Rate Mortgages - servicing retained - 5/1 ARM	6.375%	0.375%	6.874%	5/1 ARM
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.56% → 6.87% ▲ 1.31 pts · high 6.87% / low 5.56% Oct 9, 20266.87%▲ from 5.56% Sep 14, 20265.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage	8.00%	0.375%	8.221%	30 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.22% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage	7.75%	0.375%	8.029%	20 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.03% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage	7.625%	0.375%	7.967%	15 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.97% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
Second Home Mortgage	7.375%	0.375%	7.846%	10 Year
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%
IRA Shares	0.75%	-	0.75%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.74%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

802 Credit Union’s Texas Ratio stayed near 8.72% in Q3 2023 to 8.74% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$508M	8.74%	5.0	A
March 31, 2026	$500M	7.30%	5.0	A
December 31, 2025	$492M	6.18%	5.0	A
September 30, 2025	$432M	5.65%	5.0	A+
June 30, 2025	$428M	5.35%	5.0	A+
March 31, 2025	$426M	6.70%	5.0	A
December 31, 2024	$416M	7.84%	5.0	A
September 30, 2024	$404M	7.67%	5.0	A
June 30, 2024	$403M	6.75%	5.0	A
March 31, 2024	$401M	5.95%	5.0	A+
December 31, 2023	$392M	6.96%	5.0	A
September 30, 2023	$395M	8.72%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 802 Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 802 Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 802 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 802 Credit Union

Website https://www.802cu.com

Address 265 S Main St, Barre, VT 05641-4815

Phone 802-479-9411

Fax 802-479-3533

President Jeff Mobus

CEO Sean Gammon

Full-Time Employees 133

Part-Time Employees 10

Branch Locations 12

ATM Locations 11

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.74%

Return on Assets (ROA)

0.5689%

Return on Equity (ROE)

4.5366%

Non-Performing Loans Ratio (NPL)

1.50%

Total Assets

507,705,142

Total Amount of Shares and Deposits

440,121,032

Total Shares and Deposits < 1 Year

422,650,488

Total Shares and Deposits 1 3 Years

15,584,932

Total Shares and Deposits > 3 Years

1,885,612

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,091,729

Total Uninsured Shares and Deposits > $250K (F+J)

15,091,729

Total Insured Shares and Deposits > $250K (item 17 less item K)

425,029,303

Total Interest Expense (Sum of items 6 8)

1,940,319

Share Certificates

3,218

Number of Accounts for Share Drafts

25,547

IRA KEOGH Accounts

645

Number of Accounts for Regular Shares

41,852

All other shares

7,573

Money Market Shares

927

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

75,195,865

Total Liabilities

444,037,774

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

802 Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About 802 Credit Union

How many branches does 802 Credit Union operate?

802 Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 802 Credit Union?

Yes, to access services at 802 Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 802 Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 802 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 802 Credit Union offer online and mobile banking?

Most modern institutions like 802 Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.802cu.com.

Current 802 Credit Union Rates

12-Month CD1.70%
18-Month CD1.80%
24-Month CD2.05%
60-Month CD2.00%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

802 Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

802 Credit Union Texas Ratio

802 Credit Union Health Trend

802 Credit Union CD Rates

802 Credit Union Savings Rates

802 Credit Union Money Market Rates

802 Credit Union Mortgage Rates

802 Credit Union Auto Loan Rates

802 Credit Union Credit Card Rates

802 Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

802 Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 802 Credit Union

How many branches does 802 Credit Union operate?

Is a member application needed to join 802 Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 802 Credit Union offer online and mobile banking?

Current 802 Credit Union Rates

Compare to Other Credit Unions