Vermont Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Vermont Federal Credit Union's highest tracked CD (share certificate) rate is 4.05% APY on a 13-month promotional CD ($5 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.75% to 3.70% APY.
Tracking began .
Vermont Federal Credit Union CD & share certificate rates
Membership required. Term share certificates from 6 to 60 months, 5- and 13-month limited-time offers and the Youth Advantage 60-month certificate (ages 0–18); $5 minimum balance. IRA certificates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 5 months | 5 Month Certificate - Limited Time Offer Promotional | 3.80%Verified October 22, 2026 |
| 6 months | 6 Month Certificate | 3.70%Top 40% · $10k reference sampleVerified October 22, 2026 |
| 12 months | 12 Month Certificate | 3.55%Top 55% · $10k reference sampleVerified October 22, 2026 |
| 13 months | 13 Month Certificate - Limited Time Offer Promotional | 4.05%Verified October 22, 2026 |
| 18 months | 18 Month Certificate | 2.75%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 24 Month Certificate | 2.95%Top 67% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month Certificate | 3.15%Top 55% · $10k reference sampleVerified October 22, 2026 |
| 48 months | 48 Month Certificate | 3.25%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Youth Advantage 60 Month Certificate Special | 3.50%Top 44% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.05% APY (13 months). The standard rate for a similar term is 3.55% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Vermont Federal Credit Union's best CD rates by term?
Vermont Federal Credit Union's best rate is 4.05% APY on 13 months, verified October 22, 2026.
- 5 mo3.80%
- 6 mo3.70%
- 12 mo3.55%
- 13 mo4.05%
- 18 mo2.75%
- 24 mo2.95%
- 36 mo3.15%
- 48 mo3.25%
- 60 mo3.50%
How much interest could a Vermont Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$439.01 interest · $10,439.01 at maturity on $10,000.00.
4.05% APY · 13 months · 13 Month Certificate - Limited Time Offer · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $78.263.80% APY · 5 Month Certificate - Limited Time Offer · Promotional | $156.533.80% APY · 5 Month Certificate - Limited Time Offer · Promotional | $391.323.80% APY · 5 Month Certificate - Limited Time Offer · Promotional | $782.633.80% APY · 5 Month Certificate - Limited Time Offer · Promotional |
| 6 months | $91.913.70% APY · 6 Month Certificate · Standard | $183.833.70% APY · 6 Month Certificate · Standard | $459.573.70% APY · 6 Month Certificate · Standard | $919.133.70% APY · 6 Month Certificate · Standard |
| 12 months | $177.503.55% APY · 12 Month Certificate · Standard | $355.003.55% APY · 12 Month Certificate · Standard | $887.503.55% APY · 12 Month Certificate · Standard | $1,775.003.55% APY · 12 Month Certificate · Standard |
| 13 months | $219.504.05% APY · 13 Month Certificate - Limited Time Offer · Promotional | $439.014.05% APY · 13 Month Certificate - Limited Time Offer · Promotional | $1,097.524.05% APY · 13 Month Certificate - Limited Time Offer · Promotional | $2,195.044.05% APY · 13 Month Certificate - Limited Time Offer · Promotional |
| 18 months | $207.862.75% APY · 18 Month Certificate · Standard | $415.712.75% APY · 18 Month Certificate · Standard | $1,039.282.75% APY · 18 Month Certificate · Standard | $2,078.552.75% APY · 18 Month Certificate · Standard |
| 24 months | $299.352.95% APY · 24 Month Certificate · Standard | $598.702.95% APY · 24 Month Certificate · Standard | $1,496.762.95% APY · 24 Month Certificate · Standard | $2,993.512.95% APY · 24 Month Certificate · Standard |
| 36 months | $487.543.15% APY · 36 Month Certificate · Standard | $975.083.15% APY · 36 Month Certificate · Standard | $2,437.703.15% APY · 36 Month Certificate · Standard | $4,875.403.15% APY · 36 Month Certificate · Standard |
| 48 months | $682.383.25% APY · 48 Month Certificate · Standard | $1,364.763.25% APY · 48 Month Certificate · Standard | $3,411.903.25% APY · 48 Month Certificate · Standard | $6,823.803.25% APY · 48 Month Certificate · Standard |
| 60 months | $938.433.50% APY · Youth Advantage 60 Month Certificate · Special | $1,876.863.50% APY · Youth Advantage 60 Month Certificate · Special | $4,692.163.50% APY · Youth Advantage 60 Month Certificate · Special | $9,384.323.50% APY · Youth Advantage 60 Month Certificate · Special |
How Vermont Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 32 of 64 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Vermont Federal Credit Union (this institution)13 Month Certificate - Limited Time Offer · Promotional | 13 months | $5 | Coverage: VT | 4.05% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Coverage: NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Vermont Federal Credit Union on October 22, 2026.
About Vermont Federal Credit Union
- Legal name
- Vermont Federal Credit Union
- Regulator ID
- NCUA 24405
- Headquarters
- South Burlington, VT
- Available in
- VT
- Total assets
- $1.1 billion
- Also known as
- Website
- www.vermontfederal.org
Source: rates read from https://www.vermontfederal.org/bank-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Vermont Federal Credit Union?
Among the rates we track, 4.05% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Vermont Federal Credit Union CD?
The lowest minimum we found is $5.
How does Vermont Federal Credit Union's best CD rate compare with Treasury yields?
4.05% APY is −0.55% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Vermont Federal Credit Union CDs insured?
Vermont Federal Credit Union is a federally insured credit union (NCUA 24405). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Vermont Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Vermont Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Vermont Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Vermont Federal Credit Union before opening an account. This page is not financial advice.