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Source: https://www.vermontfederal.org/bank-rates
Read: 2026-10-22T16:25:50.000Z

Interest Rates | Savings Rates | Mortgage Rates Alerts 2 Fraud Alert: Call Scam 2026 — Protect Your Debit Card Information
Share Type | Dividend Rate | Annual Percentage Yield
Shares | 0.10% | 0.10%
Business Savings | 0.10% | 0.10%
Special Accounts | 0.10% | 0.10%
Vacation Club Account | 0.10% | 0.10%
Holiday Savings | 0.10% | 0.10%
IRA (Accumulator) Share Account | 0.10% | 0.10%
High Yield Savings - Limited Time Special Rate up to $5,000** | 3.93% | 4.00%
APY=Annual Percentage Yield.
**% APY paid on balances $0.01-$5,000 and 0.10% APY paid on any amount above $5,000. Special 4.00% APY rate applies until 12/31/2026. On 1/1/2027, the account will be converted to a Special Savings Account with applicable market rates at the time of conversion. Fees could reduce earnings on the account. Limit of 1 High Yield Savings Account per member. Must be a member to open a High Yield Savings Account. $5 Share Deposit required for Credit Union membership, though no minimum account balance necessary. Available for personal accounts only. Offer subject to change or end at any time without notice.
Share Type | Dividend Rate | Annual Percentage Yield*
Share Draft Checking | 0.00% | 0.00%
Estate Share Draft Checking | 0.00% | 0.00%
Student Checking, Fresh Start Checking | 0.00% | 0.00%
HSA Checking | 0.00% | 0.00%
Business Share Draft Checking | 0.00% | 0.00%
Reward Checking $0-$25k (Requirements Met) | 1.25% | 1.26%**
Reward Checking > $25k (Requirements Met) | 0.25% | 0.25%**
Reward Checking (all $) (Requirements Not Met) | 0.00% | 0.00%*
*APY=Annual Percentage Yield. All Rates and offers on this page are subject to change at any time without notice. Fees could reduce earnings on the account. The daily method is utilized to determine which rate will be applied. Dividends are compounded monthly using the daily balance method. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates may change after account is opened. Must be a member of the credit union to open an account. $5 Share Deposit required for Credit Union membership.
Balance | Dividend Rate | Annual Percentage Yield
Balance under $2,000 | 0.10% | 0.10%
Balance $2,000-$9,999 | 1.19% | 1.20%
Balance $10,000-$24,999 | 1.44% | 1.45%
Balance $25,000-$49,999 | 1.49% | 1.50%
Balance $50,000-$99,999 | 1.98% | 2.00%
Balance $100,000-$499,999 | 2.47% | 2.50%
Balance $500,000+ | 2.72% | 2.75%
*APY=Annual Percentage Yield. All Rates and offers on this page are subject to change at any time without notice. Dividends are compounded monthly using the daily balance method. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates may change after account is opened. Must be a member of the credit union to open an account. $5 Share Deposit required for Credit Union membership, though no minimum account balance necessary.
Account Name | Minimum Balance | Dividend Rate | Annual Percentage Yield*****
5 Month Certificate - Limited Time Offer* | $5 | 3.74% | 3.80%
6 Month Certificate | $5 | 3.64% | 3.70%
12 Month Certificate | $5 | 3.49% | 3.55%
13 Month Certificate - Limited Time Offer** | $5 | 3.98% | 4.05%
18 Month Certificate | $5 | 2.72% | 2.75%
24 Month Certificate | $5 | 2.91% | 2.95%
36 Month Certificate | $5 | 3.11% | 3.15%
48 Month Certificate | $5 | 3.20% | 3.25%
60 Month Certificate | $5 | 3.45% | 3.50%
Youth Advantage 60 Month Certificate*** | $5 | 3.45% | 3.50%
Account Name | Minimum Balance | Dividend Rate | Annual Percentage Yield
IRA Share Account | $0 | 0.10% | 0.10%
5 Month Certificate - Limited Time Offer* | $5 | 3.74% | 3.80%
6 Month IRA Certificate | $5 | 3.64% | 3.70%
12 Month IRA Certificate | $5 | 3.49% | 3.55%
13 Month Certificate - Limited Time Offer** | $5 | 3.98% | 4.05%
18 Month IRA Certificate | $5 | 2.72% | 2.75%
24 Month IRA Certificate | $5 | 2.91% | 2.95%
36 Month IRA Certificate | $5 | 3.11% | 3.15%
48 Month IRA Certificate | $5 | 3.20% | 3.25%
60 Month IRA Certificate | $5 | 3.45% | 3.50%
Loan Product | Model Year | Term | Annual Percentage Rate*
New/Used Auto & Motorcycle | Up to 10 model years old | 24 Months | 4.90%
New/Used Auto & Motorcycle | Up to 10 model years old | 36 Months | 5.05%
New/Used Auto & Motorcycle | Up to 5 model years old | 48 Months | 5.20%
New/Used Auto & Motorcycle | Up to 4 model years old | 60 Months | 5.35%
New/Used Auto & Motorcycle | Up to 3 model years old (Minimum $15K) | 72 Months | 5.50%
New/Used Auto & Motorcycle | Up to 2 model years old (Minimum $25K) | 84 Months | 6.10%
New Auto | New Only (Minimum $35K) | 96 Months | 7.74%
(We finance up to 125% of Purchase Price Excluding Tax, Title & Registration). *APR stands for "Annual Percentage Rate." Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Rates may vary from those indicated above. Rates are subject to change any time without notice. Used vehicles more than 10 years old may not qualify for these rates. All loans subject to approval. Insurance required on all secured loans. Must be a member to obtain a loan. $5 share deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.
Term | Model Year | Annual Percentage Rate*
24 Months | Up to 10 model years old | 4.40%
36 Months | Up to 10 model years old | 4.55%
48 Months | Up to 5 model years old | 4.70%
60 Months | Up to 4 model years old | 4.85%
72 Months | Up to 3 model years old ((Minimum $15K) | 5.00%
84 Months | Up to 2 model years old (Minimum $25K) | 5.60%
96 Months | New Only (Min $35K) | 7.24%
Loan Product | Model Year | Term | Annual Percentage Rate*
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 24 Months | 5.40%
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 36 Months | 5.55%
Boat - RV - ATV - Snowmobile - Watercraft | Up to 5 model years old | 48 Months | 5.70%
Boat - RV - ATV - Snowmobile - Watercraft | Up to 4 model years old | 60 Months | 5.85%
Boat - RV | Up to 3 model years old (Minimum $20K) | 72 Months | 6.00%
Boat - RV | Up to 8 model years old (Minimum $35K) | 73-120 Months | 8.24%
Loan Product | Annual Percentage Rate* | Term
Variable Rate Student Loan (Line of Credit) | 7.24%** | Minimum $1,000.00 Maximum $75,000.00
Fixed Rate Student Loan (Line of Credit) | 3.99%*** | Minimum $1,000.00 Maximum $75,000.00
Graduate Business Loan (Line of Credit) | 10.00%** | Minimum $1,000.00 Maximum $75,000.00
Variable Rate Student Loan Refinance | 9.75%**** | Minimum $5,000.00 Maximum $75,000.00
Fixed Rate Student Loan Refinance (5 Year Term) | 6.75% | Minimum $5,000.00 Maximum $75,000.00
Fixed Rate Student Refinance Loan (10 Year Term) | 7.75% | Minimum $5,000.00 Maximum $75,000.00
Loan Product | Annual Percentage Rate* | Term
Quick Fix Home Improvement Loan (0-72 Month Term) | 8.99% | Minimum $2,500.00 Maximum $15,000.00
Efficiency Home Improvement Loan (0-60 Month Term) | 6.95% | Minimum $2,500.00 Maximum $40,000.00
Efficiency Home Improvement Loan (61-120 Month Term) | 7.95% | Minimum $2,500.00 Maximum $40,000.00
Solar Loan (60 Month & 120 Month Terms) | 5.90% | Minimum $5,000.00 Maximum $75,000.00
Solar Loan (180 Month & 240 Month Terms) | 6.90% | Minimum $5,000.00 Maximum $75,000.00
Loan Product | Annual Percentage Rate* | Term
Personal Loan (0-12 Month Term) | 7.50% | -
Personal Loan (13-36 Month Term) | 9.50% | -
Personal Loan (37-60 Month Term) | 10.75% | -
Credit Builder Loan | 6.00%
Overdraft Line of Credit | 15.00%
Signature Line of Credit | 16.00%
Share/Certificate Secured (Variable Rate) | 2.00% Over Deposit Account Dividend
Loan Product | Annual Percentage Rate* | Annual Fee
Share Secured VISA® | 10.70% | $0
VISA® Platinum | 10.70% | $0
VISA® Signature Rewards* | 13.70% | $0
Share Type | Dividend Rate | Annual Percentage Yield
Share Draft Checking | 0.00% | 0.00%
IOLTA/ IORTA | 0.10% | 0.10%
APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information or for business loan rates.
Share Type | Dividend Rate | Annual Percentage Yield
Shares | 0.10% | 0.10%
APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information or for business loan rates.
Balance | Dividend Rate | Annual Percentage Yield
Balance Under $2,000 | 0.10% | 0.10%
Balance $2,000-$9,999 | 1.19% | 1.20%
Balance $10,000-$24,999 | 1.44% | 1.45%
Balance $25,000-$49,999 | 1.49% | 1.50%
Balance $50,000-$99,999 | 1.98% | 2.00%
Balance $100,000-$499,999 | 2.47% | 2.50%
Balance $500,000+ | 2.72% | 2.75%
APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information or for business loan rates.
Visa | Annual Percentage Rate | Annual Fee
Business | Prime + 5.00% | $0.00
Conventional Programs | Interest Rate | Annual Percentage Rate | Points | Payment Per $1000
Conventional Programs | Loans up to $832,750
30 Year Fixed Rate | 6.875% | 6.989% | 0.00 | $6.57
30 Year Fixed Rate | 6.7500% | 6.963% | 1.00 | $6.49
30 Year Fixed Rate | 6.625% | 6.938% | 2.00 | $6.40
20 Year Fixed Rate | 6.625% | 6.772% | 0.00 | $7.53
20 Year Fixed Rate | 6.500% | 6.776% | 1.00 | $7.46
20 Year Fixed Rate | 6.375% | 6.781% | 2.00 | $7.38
15 Year Fixed Rate | 6.500% | 6.683% | 0.00 | $8.71
15 Year Fixed Rate | 6.375% | 6.720% | 1.00 | $8.64
15 Year | 6.250% | 6.757% | 2.00 | $8.57
10 Year Fixed Land Loan | 7.250% | 7.367% | 0.00 | $11.48
An example Fixed Conventional Mortgage repayment schedule for $200,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.863% would calculate to a monthly payment of $1,312.25.
Government Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000
Government Programs | 100% Financing Programs
Rural Development 30 Year | 6.875% | 7.017% | 0 | $6.57
An example Fixed Government Mortgage repayment schedule for $400,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.386% would calculate to a monthly payment of $2,498.36.
Jumbo Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000
Jumbo Programs | Loans $832,751 - $1,249,125
30 Year Fixed Rate | 6.875% | 6.989% | 0.00 | $6.57
15 Year Fixed | 6.625% | 6.737% | 0.00 | $8.78
An example Fixed Jumbo Mortgage repayment schedule for $800,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.863% would calculate to a monthly payment of $5,249.02.
VHFA Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000
VHFA Programs | VHFA Loan Size and Income Limits Apply www.vhfa.org
Advantage 3% Down | 7.250% | 7.395% | 0.00 | $6.82
Advantage Government | 7.000% | 7.143% | 0.00 | $6.65
MOVE 3% Down | 6.750% | 6.891% | 0.00 | $6.49
MOVE Government | 6.750% | 6.891% | 0.00 | $6.49
An example Fixed VHFA Mortgage repayment schedule for $200,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.639% would calculate to a monthly payment of $1,282.47.
Adjustable Programs | Interest Rate | Annual Percentage Rate* | Points | Payment per $1000
Adjustable Programs | INDEX 30-Day SOFR - Caps 2/5
5/6m ARM 5% Down - Margin 3.00 | 5.625% | 6.360% | 0 | $5.76
5/6m ARM Land Loan - Margin 4.50 | 6.250% | 6.989% | 0 | $7.78
10/6m ARM 5% Down - Margin 3.00 | 6.125% | 6.863% | 0 | $6.08
Loan Product | Terms | Interest Rate | Annual Percentage Rate*
Home Equity Line of Credit | 80% Maximum Loan to Value | 6.50% | 6.50%
Home Equity Line of Credit | 90% Maximum Loan to Value £ or ± | 8.25% | 8.25%
Mini Mortgage Loan | 10 Years - Maximum Term; 80% Maximum Loan to Value | 5.50% | 5.50%
80% Maximum Loan to Value
Fixed Rate Home Equity Loan** | 0-60 Months | 6.25% | 6.25%
Fixed Rate Home Equity Loan | 61-120 Months | 6.99% | 6.99%
Fixed Rate Home Equity Loan | 121-180 Months | 7.74% | 7.74%
95% Maximum Loan to Value
Fixed Rate Home Equity Loan | 0-60 Months | 7.75% | 7.75%
Fixed Rate Home Equity Loan | 61-120 Months | 8.49% | 8.49%
Fixed Rate Home Equity Loan | 121-180 Months | 9.24% | 9.24%
*APR is the Annual Percentage Rate on the loan. All rates quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from those listed above. Rate is tied to the Variable Prime Lending Rate as published in the Wall Street Journal. 80% Maximum Loan to Value product is equal to Prime Rate minus .50% with a floor of 4.50% APR. 90% Maximum Loan to Value product is equal to Prime Rate plus 1.50% with a floor of 5.00% APR. As of 10/30/2025, the Variable Prime Lending Rate is 7.00% APR. The maximum APR that may be imposed is 18.00%. All rates quoted are subject to change monthly. Other rates and terms are available. Costs range from $219 to $1,500 depending on the need for an appraisal. Additionally, members may be required to pay for title examination. Investment properties are ineligible. Property insurance is required. Collateral property must be located in the state of Vermont. Minimum credit line is $15,000. All loans are subject to credit approval. Must be a member of the Credit Union to obtain a loan. $5 Share Deposit required for Credit Union membership. Rates, terms and conditions subject to change without notice.
**The maximum APR that may be imposed is 18.00%. All rates are quoted "as low as" and are subject to an evaluation of your credit. Property insurance is required. Collateral property must be located in the state of Vermont. Minimum loan amount is $10,000. Must be a member of the Credit Union to obtain a loan. $5 Share Deposit required for Credit Union membership. All loans are subject to credit approval. Rates, terms and conditions subject to change without notice. An example Fixed Rate Home Equity Loan repayment schedule for $50,000 over the course of 60 months at an Annual Percentage Rate (APR) of 6.257% would calculate to a monthly payment of $972.47.