Loans

White River Credit Union Loan Products

Your Credit Union is here to help with a wide variety of loan options. We tailor our loan products to meet your needs while always trying to keep borrowing costs down. Remember, your participation in our cooperative means lower loan rates than are typically available at other institutions. Go ahead and compare! Try us just once — we're confident you'll be pleased with the results!

We have an Online Loan Application to help streamline the process. You can fill it out and submit it electronically.You can also download a Printable Loan Application and mail or bring it in to any branch. Yes, you can still contact us by phone, email, or stop by any branch for a loan application. Whatever works best for you!

WRCU offers great rates with the following loan products:

  • Automobile Loans

    Competitive rates on new and used vehicle loans for White River Credit Union members in Central Vermont.

  • Home Equity Loans

    White River Credit Union in Central Vermont has some great home equity fixed-rate loans with an easy application process and personal service.

  • Home Equity Line of Credit

    Our Home Equity Line-of-Credit is a variable-rate loan with a maximum final pay-back term of fifteen years.

  • Recreational Vehicle Loans

    WRCU can help you get that special fun machine that you have been wanting, we will lend you money on the same terms as an auto loan for many recreational vehicles. The types of recreational vehicles that might qualify for auto loan rates include a new or used Motor-home, Camper, Boat, Motorcycle, ATV, Dirt Bike or Snow Machine.

  • First Mortgage Loans

    The White River Credit Union does not offer first mortgages on homes at this time. However, if you are looking to re-finance your home, or borrow against the value of your home, one of our Home Equity Loans might be all you need.

  • VISA Credit Card

    Apply today for your White River Credit Union VISA credit card.

  • Unsecured Loans

    For those unexpected expenses like car repairs or a family emergency an unsecured loan, also known as a signature loan may be what you need. An unsecured signature loan has no other security except your signature and promise to pay.

  • Credit Builder Loan

    If you have no credit history, or your credit score is not what you would like, our Credit Builder Loan might be just what you need.

  • Compare- Home Equity Loan vs HELOC

    Do you know the differences between a Home Equity Line of Credit (HELOC) and a Home Equity Loan? They both use the equity, (the difference between the value of your home and what you owe on it) you have in your home as collateral, and the interest on either loan may be tax deductible, (you should check with a tax expert as every situation is different,) One of these might be a better choice over the other for you depending on your circumstances. We will point out some of the differences, and why you might want one over the other, and then you can look at the White River Credit Union's offerings and terms for these loans.

On top of our very competitive rates, you'll also experience:

  • Flexibility with finance plans - We work with you
  • Personal consideration
  • We guide you through the process
  • Fast turn around
  • Convenient application

Loan Officers

  • Main Office, Rochester, VT
    Wanda Dunham - CEO/President, NMLS# 638128
    Email
    Phone: (802) 767-3333
    Toll-free: (800) 891-3332
    Fax: (802) 767-3046
    Consumer Lending / Real Estate Lending
  • Randolph Office, Randolph, VT
    Joanne Mills - VP Retail / Loan Officer, NMLS# 638130
    Email
    Phone: (802) 728-9228
    Fax: (802) 728-7121
    Consumer Lending / Real Estate Lending
  • Bethel Office, Bethel, VT
    Rose Leonard - Member Service Rep./ Loan Officer, NMLS# 638131
    Email
    Phone: (802) 234-9232
    Fax: (802) 234-6553
    Consumer Lending / Real Estate Lending
  • Bethel Office, Bethel, VT
    Jennifer Paradis - Member Service Rep./ Loan Officer
    Email
    Phone: (802) 234-9232
    Fax: (802) 234-6553
    Consumer Lending
  • Randolph Office, Randolph, VT
    Leonard Meek - Member Service Rep./ Loan Officer, NMLS# 1123185
    Email
    Phone: (802) 728-9228
    Fax: (802) 728-7121
    Consumer Lending

White River Credit Union organization NMLS# 490691