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Base Shares Account

The foundation of membership. Every 802CU member starts here. Establish ownership and unlock access to our full suite of services with just $5.

Required to become a member of 802 Credit Union
$5 minimum balance secures your voting share
Dividends paid monthly on balances over $25
Access to all credit union products and services

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Overview

What is a Base Shares Account?

A Base Shares Account is more than just a savings account, it’s your share of ownership in 802 Credit Union. With a low minimum balance, monthly dividends, and access to the full benefits of membership, it’s the essential first step in joining our cooperative community.

A member may only open one Base Shares account.

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Today’s Rates

All Rates Effective April 1, 2025

Regular Shares

Rate	APY	Minimum Balance
.30%	.30	$5.00

Dividends paid monthly.
($25.00 minimum to receive dividends)

Member-Focused. Locally Rooted.

Start Your Membership with a Strong Foundation

Becoming a member is easy and it all begins with your Base Shares Account. Join today and get access to all of our deposit, loan, and digital services.

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product Benefits

One Account, Access to All You Need

Deposit Products Access

Use your Base Shares membership to unlock access to our deposit and loan products.

Full Service Features

Gain instant access to online and mobile banking, notary services, wire transfers, and more.

Lending Opportunities

Qualify for personal loans, auto loans, mortgages, credit cards, and home equity lines as a member.

Financial Tools for Every Goal

Access services like credit card balance transfers and cash advances. Everything you need, all in one place.

Frequently Asked Questions

Have Questions? Let Us Help!

How do I change my name on my account?

Once you have changed your name with Social Security, you will need to complete a membership change card. If you choose to add a joint owner, you can do so at the same time. Once we have the signed application with a copy of your updated identification, we will change your name on our system and place an order for new checks and VISA®/debit cards.
How do I remove a signer from my account?

The joint owner can sign a membership change card that instructs us to remove their name, or we can close your existing account by opening a new account and transferring funds.
What is the routing/ABA number I should use?

Our routing number is 211690911.
How do I order checks?

First-time check orders must be done through the branch. If you are reordering checks with no changes, you can reorder them online through Harland Clarke.
Why haven’t I received a 1099 for interest earned?

The IRS does not require a financial institution to issue a 1099 for accounts that earn less than $10 in a given year. If your account did earn more than $10 and you have not received a 1099, please call us during business hours.

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From budgeting tools to fraud protection, we’re here to help you feel confident and in control of your finances.

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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.

Become a Member Today

Testimonials

Hear From Our Members!

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

I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.

Sarah

Windsor, VT

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Base Shares Account

What is a Base Shares Account?