802 Credit Union Rates and 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.
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802 Credit Union's CDs of Deposit (CD) 7 month special rates are at 3.50%, IRA CDs 36 month rates are at 3.00%, 802 days CDs of Deposit (CD) rates are at 2.80%, CDs of Deposit (CD) 9 month special rates are at 2.75%, IRA CDs 48 month rates are at 2.10%. 802 Credit Union's money market rates are at 0.50%. 802 Credit Union's Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained 1/1 ARM rates are at 4.00%, Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained 3/1 ARM rates are at 4.50%, Construction Loan - 1/1 ARM with General Contractor rates are at 4.50%, Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained 5/1 ARM rates are at 5.00%, Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained 1/1 ARM rates are at 5.00%. 802 Credit Union's Personal Loan Rates are at 10.74%. 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 5.91%. Rates were last updated on 03/02/2026.
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 by leaving a review below, or read customer reviews before you decide to use . 802 Credit Union Texas Ratio802 Credit Union's Texas Ratio is at 5.91%, which is considered excellent. The Texas Ratio for 802 Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that 802 Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
802 Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, 802 Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A+
Exceptional Health
Score: 97/100
802 Credit Union has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
802 Credit Union CD Rates
802 Credit Union Savings Rates
802 Credit Union Money Market Rates
802 Credit Union Mortgage Rates
802 Credit Union Home Equity & HELOC
802 Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewCredit Union Name: 802 Credit Union
Website: https://www.802cu.com
Full Time Employees: 110Part Time Employees: 4 President: Jeff Mobus CEO: Sean Gammon Branch Locations: 9 ATM Locations: 8 Corporate Office Address:
265 S Main St
Barre, VT 05641 4815 Phone Number: 802-479-9411 Fax Number: 802-479-3533 FinancialsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A+ (97/100)
Texas Ratio:
5.91%
Return on Assets (ROA):
1.1085%
Return on Equity (ROE):
8.8700%
Non-Performing Loans Ratio (NPL):
0.96%
Total Assets:
431,712,998
Total Amount of Shares and Deposits:
374,053,614
Total Shares and Deposits < 1 Year:
352,650,137
Total Shares and Deposits 1 3 Years:
19,518,856
Total Shares and Deposits > 3 Years:
1,884,619
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
13,067,816
Total Uninsured Shares and Deposits > $250K (F+J):
13,067,816
Total Insured Shares and Deposits > $250K (item 17 less item K):
360,985,798
Total Interest Expense (Sum of items 6 8):
2,646,883
Share Certificates:
2,841
Number of Accounts for Share Drafts:
22,621
IRA KEOGH Accounts:
525
Number of Accounts for Regular Shares:
37,698
All other shares:
7,336
Money Market Shares:
748
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
57,921,688
Total Liabilities:
377,762,463
Show More
Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About 802 Credit UnionIs a member application needed to join 802 Credit Union?Yes, to access services at 802 Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, 802 Credit Union provides a range of mortgage and home equity products. Is 802 Credit Union a safe place to deposit money?Yes, 802 Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does 802 Credit Union offer online and mobile banking?Most modern institutions like 802 Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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