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 802 Credit Union Rates & Review September 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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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 and Verified: September 22, 2026
802 Credit Union's 9 month special (new money) rates are at 4.00%, IRA CD 13 month special rates are at 4.00%, 9 Month CD Special rates are at 3.75%, 7 Month CD Special rates are at 3.25%, 802 Day CD rates are at 3.25%. 802 Credit Union's money market rates are at 0.50%. 802 Credit Union's Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained rates are at 4.00%, Adjustable Rate Mortgages (ARM) - for Primary residences - servicing retained 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 rates are at 5.00%, Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained rates are at 5.59%. 802 Credit Union's RV, Boat and Powersport Loan Rates are as low as 5.24%. 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 7.30%. Rates last updated and verified on 09/22/2026. 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. 
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 Auto Loan Rates
802 Credit Union Other Rates
Financial Health History802 Credit Union’s Texas Ratio stayed near 7.44% in Q2 2023 to 7.30% in Q1 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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 & 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
130
Part-Time Employees
7
Branch Locations
12
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.30%
Return on Assets (ROA)
0.2973%
Return on Equity (ROE)
2.3885%
Non-Performing Loans Ratio (NPL)
1.26%
Total Assets
500,294,163
Total Amount of Shares and Deposits
434,439,204
Total Shares and Deposits < 1 Year
415,547,428
Total Shares and Deposits 1 3 Years
16,859,350
Total Shares and Deposits > 3 Years
2,032,427
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,010,084
Total Uninsured Shares and Deposits > $250K (F+J)
15,010,084
Total Insured Shares and Deposits > $250K (item 17 less item K)
419,429,120
Total Interest Expense (Sum of items 6 8)
940,837
Share Certificates
3,422
Number of Accounts for Share Drafts
25,324
IRA KEOGH Accounts
649
Number of Accounts for Regular Shares
42,271
All other shares
7,694
Money Market Shares
909
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)
77,214,597
Total Liabilities
438,027,922
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for 802 Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for 802 Credit Union
Frequently Asked Questions About 802 Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
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