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iAdvertiser Disclosure
Advertiser Disclosure
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 White River Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
White River Credit Union's money market rates are at 1.80%. White River Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of White River Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.04%. Rates were last updated on 03/22/2026. White River 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 White River Credit Union? Share your experience about White River Credit Union by leaving a review below, or read customer reviews before you decide to use White River Credit Union. 
White River Credit Union Money Market Rates
White River Credit Union Mortgage Rates
White River Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for White River 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 White River 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 White River Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
White River Credit Union
Website
https://www.whitercu.com
Address
96 N Main St,
Rochester, VT 05767 9704
Phone
802-767-3333
Fax
802-767-3046
President
Andrew West
CEO
Wanda Dunham
Full-Time Employees
10
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.04%
Return on Assets (ROA)
1.1132%
Return on Equity (ROE)
9.3448%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
53,218,687
Total Amount of Shares and Deposits
46,255,857
Total Shares and Deposits < 1 Year
46,157,053
Total Shares and Deposits 1 3 Years
98,805
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,827,040
Total Uninsured Shares and Deposits > $250K (F+J)
1,827,040
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,428,817
Total Interest Expense (Sum of items 6 8)
298,292
Share Certificates
165
Number of Accounts for Share Drafts
2,375
IRA KEOGH Accounts
165
Number of Accounts for Regular Shares
5,413
Money Market Shares
102
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,669,449
Total Liabilities
46,746,441
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About White River Credit UnionIs White River Credit Union a safe place to deposit money?Yes, White River Credit Union is considered a safe financial institution. With a Texas Ratio of 6.0360880039636%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does White River Credit Union operate?White River 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 White River Credit Union?Yes, to access services at White River 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, White River 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, White River Credit Union provides members with tools to manage their accounts and build a solid financial history. Does White River Credit Union offer online and mobile banking?Most modern institutions like White River 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.whitercu.com. Current White River Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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