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Personal & Specialty Loans in Vermont

Life doesn’t always follow a script, and that’s why 802CU offers flexible lending solutions for just about any purpose. From consolidating debt to covering energy expenses or paying for college, our personal and specialty loans are designed to support your goals with competitive rates and personalized service.

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Personal Loans

Great for consolidating debt or managing unexpected expenses without needing collateral.

With fixed rates and terms up to 60 months, a personal loan gives you flexibility and control, whether you’re managing repairs, bills, or other life expenses.

  • Unsecured loan—no collateral needed
  • Fixed rates and single monthly payment
  • Up to $15,000 available
  • Flexible terms up to 60 months

Share Secured Loans

Borrow against your savings or certificate account while keeping your balance intact.

Preserve your savings while accessing low-interest funding for purchases, education, or unexpected costs.

  • Borrow up to your current share or certificate balance
  • Continue earning dividends while you borrow
  • Low rates and flexible use
  • Funds released as you repay
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Energy Loans

Plan ahead for heating costs or invest in energy-efficient upgrades.

Use an energy loan to prepay for winter fuel or finance larger projects like furnaces, insulation, or solar panels with lower rates and flexible terms.

  • Use for heating fuel, pellet stoves, water heaters, and more
  • Borrow for both seasonal and long-term energy investments
  • Flexible repayment options
  • Competitive fixed rates

student Loans

Finance education with flexible options for students and families.

Through our partner Student Choice, we offer undergraduate loans, refinancing, and flexible repayment, all with no origination fees.

  • Zero origination or prepayment fees
  • Use once to fund your entire college career
  • In-school deferment available
  • Refinance federal and private loans
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Credit Cards

A low-rate, no-fee card that offers flexibility for everyday expenses.

Our VISA® Credit Card features the same low rate for purchases and cash advances, with no annual fee and online access for easy management.

  • No annual or balance transfer fees
  • Fixed low rate for purchases and advances
  • Verified by VISA® for added protection
  • Manage online with eZCardInfo

Other Lending Options

More Ways to Borrow with 802CU

Borrow With Confidence

Explore current rates for all loan types, from everyday needs to long-term goals. Our local team is here to help you find the best fit.

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Frequently Asked Questions

Have Questions? Let Us Help!

  • Where do I mail my loan payments?

    Payments and deposits can be mailed to any of our offices. See our branch locations for mailing addresses.

  • How do I get a free copy of my credit report?

    The three major credit bureau reporting agencies have teamed up to create www.annualcreditreport.com. There you will be able to request your annual free copy as well as find instructions on how to file a fraud alert on your report. You may also request a copy by calling them at 877-322-8228.

More Than a Member

As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.

Testimonials

Hear From Our Members!

Real stories from real people who’ve found their financial home.

As a self-employed business owner, 802 Credit Union has always offered me support and has really gone the extra mile to ensure my business banking needs are met. Their free business checking account and the ease of adding a d/b/a was a flawless experience.

Robert

Brattleboro, VT

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