# Vermont Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/vermont-federal-credit-union
Institution: Vermont Federal Credit Union (NCUA 24405)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:50.000Z (October 22, 2026)
Official source: https://www.vermontfederal.org/bank-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 Month Certificate - Limited Time Offer | promotional | 5 months | $5 | 3.80% | Not ZIP-priced | −0.59% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 6 Month Certificate | standard | 6 months | $5 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 12 Month Certificate | standard | 12 months | $5 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 13 Month Certificate - Limited Time Offer | promotional | 13 months | $5 | 4.05% | Not ZIP-priced | −0.55% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 18 Month Certificate | standard | 18 months | $5 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 24 Month Certificate | standard | 24 months | $5 | 2.95% | Not ZIP-priced | −1.92% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 36 Month Certificate | standard | 36 months | $5 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| 48 Month Certificate | standard | 48 months | $5 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| Youth Advantage 60 Month Certificate | special | 60 months | $5 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |
| Youth Advantage 60 Month Certificate | special | 60 months | $5 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:25:50.000Z | [Snapshot 416](https://apyledger.com/snapshots/416) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.