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Vermont Federal Credit Union

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Vermont Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Vermont Federal Credit Union?

Current rates for Vermont Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 2.75%, 24-Month CD: 2.95%, 60-Month CD: 3.50%, Savings: 4.00%, MMA: 2.75%

Q: What CD terms does Vermont Federal Credit Union offer?

Vermont Federal Credit Union CD rates are 3.80% APY for a 5 month CD, 3.70% APY for a 6 month CD, 3.55% APY for a 12 month CD, 4.05% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.95% APY for a 2 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vermont Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Vermont Federal Credit Union's 13 Month CD - Limited Time Offer rates are at 4.05%, 13 Month Term CD rates are at 4.05%, 5 Month CD - Limited Time Offer rates are at 3.80%, 5 Month Term CD rates are at 3.80%, 6 Month CD rates are at 3.70%. Vermont Federal Credit Union's savings rates are at 4.00%. Vermont Federal Credit Union's money market rates are at 2.75%. Vermont Federal Credit Union's checking rates are as high as 1.26%. Vermont Federal Credit Union's Mini Mortgage Loan rates are at 5.50%, 5/6m ARM 5% Down - Margin 3.00 rates are at 5.62%, Conventional 15 Year Fixed Rate rates are at 6.38%, Jumbo 15 Year Fixed rates are at 6.50%, Jumbo Programs - 15 Year Fixed rates are at 6.50%. Vermont Federal Credit Union's Personal Loan Rates are as low as 5.90%. Vermont Federal Credit Union's Credit Card Rates are at 10.70%. Vermont Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Vermont Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/29/2026.

Vermont Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vermont Federal Credit Union? Share your experience about Vermont Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vermont Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Vermont Federal Credit Union
Kennedy Drive

275 Kennedy Dr
South Burlington, VT 05403-6706

https://www.vermontfederal.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Vermont Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate - Limited Time Offer	3.98%	4.05%	13 months
Min Balance $5 Details Term Share Certificate; Limited Time Offer Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 4.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
13 Month Term Share Certificate	-	4.05%	13 months
Min Balance $5 Details Limited Time Special Offer; at end of 13 month term, if no action is taken, account renews to an 18 month term Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 4.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 13 mo	-	4.05%	13 months
Min Balance $5 Details Limited Time Special Offer; Traditional & Roth IRA; Early withdrawal penalty will apply; At end of 13 month term, if no action is taken, account automatically renews to a 18 month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5 Month Certificate - Limited Time Offer	3.74%	3.80%	5 months
Min Balance $5 Details Term Share Certificate; Limited Time Offer Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5 Month Term Share Certificate	-	3.80%	5 months
Min Balance $5 Details Limited Time Special Offer; at end of 5 month term, if no action is taken, account renews to a 6 month term Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 5 mo	-	3.80%	5 months
Min Balance $5 Details Limited Time Special Offer; Traditional & Roth IRA; Early withdrawal penalty will apply; At end of 5 month term, if no action is taken, account automatically renews to a 6 month term Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	3.64%	3.70%	6 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month IRA Certificate	3.64%	3.70%	6 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 6 mo	-	3.70%	6 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	3.49%	3.55%	12 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month IRA Certificate	3.49%	3.55%	12 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 12 mo	-	3.55%	12 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	3.45%	3.50%	60 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month IRA Certificate	3.45%	3.50%	60 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 60 mo	-	3.50%	60 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate	3.45%	3.50%	60 months
Min Balance $5 Details Term Share Certificate; Youth Advantage Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	3.20%	3.25%	48 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month IRA Certificate	3.20%	3.25%	48 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 48 mo	-	3.25%	48 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	3.11%	3.15%	36 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month IRA Certificate	3.11%	3.15%	36 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 36 mo	-	3.15%	36 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	2.91%	2.95%	24 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month IRA Certificate	2.91%	2.95%	24 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 24 mo	-	2.95%	24 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Certificate	2.72%	2.75%	18 months
Min Balance $5 Details Term Share Certificate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month IRA Certificate	2.72%	2.75%	18 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Certificate - 18 mo	-	2.75%	18 months
Min Balance $5 Details Traditional & Roth IRA; Early withdrawal penalty will apply Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings - Limited Time Special Rate	3.93%	4.00%
Min Balance $0 Details up to $5,000; Qualifying balance up to $5,000.00; Special 4.00% APY rate applies until 12/31/2026; converts to Special Savings Account with applicable market rates on 1/1/2027; limit of 1 High Yield Savings Account per member Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Holiday Savings	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Share Account	0.10%	0.10%
Min Balance $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - Shares	0.10%	0.10%
Details Share Type: Shares; Deposit Rates as of 10/05/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Shares	0.10%	0.10%
Details Share Type Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Vacation Club Account	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Accounts	2.72%	2.75%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000-$499,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	1.44%	1.45%
Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	1.19%	1.20%
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Money Market Accounts	0.10%	0.10%
Min Balance $0 Details Balance: under $2,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Checking Rates

Product	Rate	APY
Reward Checking (Requirements Met)	1.25%	1.26%
Details $0-$25k; Qualifications Required: receive monthly e-Statement; login to Online Banking; at least 1 payment or 1 direct deposit; APY paid on balances $0.01-$25,000 when requirements met; 0.25% APY on amounts above $25,000 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Estate Share Draft Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
HSA Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Draft Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Student Checking, Fresh Start Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Share Draft Checking	0.00%	0.00%
No additional details. Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mini Mortgage Loan	5.50%	-	5.50%	10 Years
Details Term: 10 Years - Maximum Term; 80% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5/6m ARM 5% Down - Margin 3.00	5.625%	0	6.36%
Details Adjustable Programs; Index: 30-Day SOFR; Caps 2/5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.36% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 15 Year Fixed Rate	6.375%	0.00	6.558%	15 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.68% → 6.56% ▼ 0.13 pts · high 6.68% / low 6.56% Oct 29, 20266.56%▼ from 6.68% Oct 23, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 15 Year Fixed Rate	6.25%	1.00	6.593%	15 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.72% → 6.59% ▼ 0.13 pts · high 6.72% / low 6.59% Oct 29, 20266.59%▼ from 6.72% Oct 23, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo 15 Year Fixed	6.50%	0.00	6.611%	15 years
Details Loans $832,751 - $1,249,125 Last Updated 10/29/2026 Rate History 2 changes since Oct 15, 2026 · 6.86% → 6.61% ▼ 0.25 pts · high 6.86% / low 6.61% Oct 29, 20266.61%▼ from 6.74% Oct 23, 20266.74%▼ from 6.86% Oct 15, 20266.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Programs - 15 Year Fixed	6.50%	0.00	6.611%	15 years
Details Loans $832,751 - $1,249,125 Last Updated 10/29/2026 Rate History 5 changes since Sep 14, 2026 · 6.36% → 6.61% ▲ 0.25 pts · high 6.99% / low 6.36% Oct 29, 20266.61%▼ from 6.86% Oct 13, 20266.86%▼ from 6.99% Oct 9, 20266.99%▲ from 6.86% Sep 25, 20266.86%▲ from 6.61% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
15 Year Fixed Rate	6.125%	2.00	6.63%
Details Loans up to $832,750; Conventional Programs Last Updated 10/29/2026 Rate History 2 changes since Sep 17, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.88% / low 6.63% Oct 29, 20266.63%▼ from 6.88% Sep 25, 20266.88%▲ from 6.63% Sep 17, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 15 Year Loan	6.125%	2.00	6.63%	15 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History 1 change since Oct 23, 2026 · 6.76% → 6.63% ▼ 0.13 pts · high 6.76% / low 6.63% Oct 29, 20266.63%▼ from 6.76% Oct 23, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 20 Year Fixed Rate	6.625%	0.00	6.772%	20 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 20 Year Fixed Rate	6.50%	1.00	6.776%	20 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 20 Year Fixed Rate	6.375%	2.00	6.781%	20 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
10/6m ARM 5% Down - Margin 3.00	6.125%	0	6.863%
Details Adjustable Programs; Index: 30-Day SOFR; Caps 2/5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.86% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 30 Year Fixed Rate	6.625%	2.00	6.938%	30 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 30 Year Fixed Rate	6.75%	1.00	6.963%	30 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5/6m ARM Land Loan - Margin 4.50	6.25%	0	6.989%
Details Adjustable Programs; Index: 30-Day SOFR; Caps 2/5 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional 30 Year Fixed Rate	6.875%	0.00	6.989%	30 years
Details Loans up to $832,750 Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo 30 Year Fixed Rate	6.875%	0.00	6.989%	30 years
Details Loans $832,751 - $1,249,125 Last Updated 10/29/2026 Rate History 1 change since Oct 15, 2026 · 7.12% → 6.99% ▼ 0.13 pts · high 7.12% / low 6.99% Oct 23, 20266.99%▼ from 7.12% Oct 15, 20267.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Programs - 30 Year Fixed Rate	6.875%	0.00	6.989%	30 years
Details Loans $832,751 - $1,249,125 Last Updated 10/29/2026 Rate History 7 changes since Sep 14, 2026 · 6.49% → 6.99% ▲ 0.50 pts · high 7.24% / low 6.49% Oct 29, 20266.99%▼ from 7.12% Oct 15, 20267.12%▼ from 7.24% Oct 9, 20267.24%▲ from 7.12% Oct 5, 20267.12%▼ from 7.24% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
10 Year Fixed Land Loan	7.25%	0.00	7.367%	10 years
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.37% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan	6.25%	-	6.25%	0-60 Months
Details 80% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Line of Credit	6.50%	-	6.50%
Details 80% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	6.99%	-	6.99%	61-120 Months
Details 80% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	7.74%	-	7.74%	121-180 Months
Details 80% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	7.75%	-	7.75%	0-60 Months
Details 95% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Line of Credit	8.25%	-	8.25%
Details 90% Maximum Loan to Value; Based on current tax assessment; Based on current appraisal Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	8.49%	-	8.49%	61-120 Months
Details 95% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	9.24%	-	9.24%	121-180 Months
Details 95% Maximum Loan to Value Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Electric/Hybrid Auto Loan - 24 Months	-	-	4.40%	24 Months
Details As Low As; Model Year: Up to 10 model years old; Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 36 Months	-	-	4.55%	36 Months
Details As Low As; Model Year: Up to 10 model years old; Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 48 Months	-	-	4.70%	48 Months
Details As Low As; Model Year: Up to 5 model years old; Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 60 Months	-	-	4.85%	60 Months
Details As Low As; Model Year: Up to 4 model years old; Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	4.90%	24 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 4.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	4.90%	24 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 72 Months	-	-	5.00%	72 Months
Details As Low As; Model Year: Up to 3 model years old (Minimum $15K); Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	5.05%	36 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.05%	36 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	5.20%	48 Months
Details As Low As; Model Year: Up to 5 model years old Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.20%	48 Months
Details As Low As; Model Year: Up to 5 model years old Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	5.35%	60 Months
Details As Low As; Model Year: Up to 4 model years old Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.35% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.35%	60 Months
Details As Low As; Model Year: Up to 4 model years old Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	5.50%	72 Months
Details As Low As; Model Year: Up to 3 model years old; Minimum $15K Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.50%	72 Months
Details As Low As; Model Year: Up to 3 model years old; Minimum $15K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 84 Months	-	-	5.60%	84 Months
Details As Low As; Model Year: Up to 2 model years old (Minimum $25K); Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New/Used Auto & Motorcycle	-	-	6.10%	84 Months
Details As Low As; Model Year: Up to 2 model years old; Minimum $25K Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 6.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	6.10%	84 Months
Details As Low As; Model Year: Up to 2 model years old; Minimum $25K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.10% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 96 Months	-	-	7.24%	96 Months
Details As Low As; Model Year: New Only (Min $35K); Must be an electric or hybrid vehicle Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New & Used Car Loan - New Auto	-	-	7.74%	96 Months
Details As Low As; Model Year: New Only; Minimum $35K Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Auto Loan	-	-	7.74%	96 Months
Details As Low As; Model Year: New Only; Minimum $35K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles - Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.40%	24 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Vehicles - Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.55%	36 Months
Details As Low As; Model Year: Up to 10 model years old Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Vehicles - Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.70%	48 Months
Details As Low As; Model Year: Up to 5 model years old Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Vehicles - Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.85%	60 Months
Details As Low As; Model Year: Up to 4 model years old Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 5.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Vehicles - Boat - RV Loan	-	6.00%	72 Months
Details As Low As; Model Year: Up to 3 model years old; Minimum loan $20K Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Recreational Vehicles - Boat - RV Loan	-	8.24%	73-120 Months
Details As Low As; Model Year: Up to 8 model years old; Minimum loan $35K Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Fixed Rate Student Loan (Line of Credit)	-	-	3.99%
Details As Low As; Loan amount: Minimum $1,000.00, Maximum $75,000.00; Rate is fixed during the draw period; repayment period is based on the initial rate; Fixed Rate available for Undergraduate Student Loans only; Annual minimum of $1,000 and maximum throughout college career of $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Student Loan Refinance (5 Year Term)	-	-	6.75%	5 Year
Details As Low As; Loan amount: Minimum $5,000.00, Maximum $75,000.00 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate Student Loan (Line of Credit)	-	-	7.24%
Details As Low As; Loan amount: Minimum $1,000.00, Maximum $75,000.00; Variable rate based upon PRIME, adjusted quarterly; Annual minimum of $1,000 and maximum throughout college career of $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate Student Loan Refinance	-	-	9.75%
Details As Low As; Loan amount: Minimum $5,000.00, Maximum $75,000.00; Variable rate based upon PRIME, adjusted quarterly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	10.70%
Details As Low As; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VISA Signature Rewards	-	13.70%
Details As Low As; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.70% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Personal Loan Rates

Product	APR	Term
Solar Loan (60 Month & 120 Month Terms)	5.90%	60 Month
Details As Low As; Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Loan (180 Month & 240 Month Terms)	6.90%	180 Month
Details As Low As; Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan (0-12 Month Term)	7.50%
Details As Low As; Personal Loan (0-12 Month Term) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan (13-36 Month Term)	9.50%
Details As Low As; Personal Loan (13-36 Month Term) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan (37-60 Month Term)	10.75%
Details As Low As; Personal Loan (37-60 Month Term) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VISA Signature Rewards	13.70%
Details As Low As; Annual Fee: $0 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.70% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Signature Line of Credit	16.00%
Details As Low As Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 15.75% → 16.00% ▲ 0.25 pts · high 16.00% / low 15.75% Sep 17, 202616.00%▲ from 15.75% Sep 14, 202615.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	6.00%
Details As Low As Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Efficiency Home Improvement Loan (0-60 Month Term)	-	-	6.95%	0-60 months
Details As Low As; Loan amount: Minimum $2,500.00; Maximum $40,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Efficiency Home Improvement Loan (61-120 Month Term)	-	-	7.95%	61-120 months
Details As Low As; Loan amount: Minimum $2,500.00; Maximum $40,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Student Refinance Loan (10 Year Term)	-	-	7.75%	10 Year
Details As Low As; Loan amount: Minimum $5,000.00, Maximum $75,000.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Graduate Business Loan (Line of Credit)	-	-	10.00%
Details As Low As; Loan amount: Minimum $1,000.00, Maximum $75,000.00; Variable rate based upon PRIME, adjusted quarterly; Annual minimum of $1,000 and maximum throughout college career of $50,000 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Quick Fix Home Improvement Loan (0-72 Month Term)	-	-	8.99%	0-72 months
Details As Low As; Loan amount: Minimum $2,500.00; Maximum $15,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rural Development 30 Year Loan	6.875%	0	7.017%	30 Year
Details Government Programs; 100% Financing Programs; Rural Development 30 Year; Rates are fixed and subject to evaluation of credit Last Updated 10/29/2026 Rate History 6 changes since Sep 14, 2026 · 6.64% → 7.02% ▲ 0.38 pts · high 7.27% / low 6.64% Oct 23, 20267.02%▼ from 7.14% Oct 15, 20267.14%▼ from 7.27% Oct 5, 20267.27%▲ from 7.14% Sep 29, 20267.14%▲ from 7.02% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - Advantage 3% Down Loan	7.25%	0.00	7.395%
Details VHFA Loan Size and Income Limits Apply www.vhfa.org Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 7.14% → 7.40% ▲ 0.25 pts · high 7.40% / low 7.14% Oct 23, 20267.40%▲ from 7.14% Oct 5, 20267.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - Advantage Government Loan	7.00%	0.00	7.143%
Details VHFA Loan Size and Income Limits Apply www.vhfa.org Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 6.89% → 7.14% ▲ 0.25 pts · high 7.14% / low 6.89% Oct 23, 20267.14%▲ from 6.89% Oct 5, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - MOVE 3% Down Loan	6.75%	0.00	6.891%
Details VHFA Loan Size and Income Limits Apply www.vhfa.org Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 6.64% → 6.89% ▲ 0.25 pts · high 6.89% / low 6.64% Oct 23, 20266.89%▲ from 6.64% Oct 5, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - MOVE Government Loan	6.75%	0.00	6.891%
Details VHFA Loan Size and Income Limits Apply www.vhfa.org Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 6.64% → 6.89% ▲ 0.25 pts · high 6.89% / low 6.64% Oct 23, 20266.89%▲ from 6.64% Oct 5, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Term Share Certificate	-	-	3.55%	12 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Term Share Certificate	-	-	2.75%	18 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Term Share Certificate	-	-	2.95%	24 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Term Share Certificate	-	-	3.15%	36 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Term Share Certificate	-	-	3.25%	48 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Term Share Certificate	-	-	3.70%	6 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Term Share Certificate	-	-	3.50%	60 months
Min Balance $5 Last Updated 10/29/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Special Accounts	0.10%	-	0.10%
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate	-	-	3.50%	60 months
Min Balance $5 Details Ages: 0-18; Valid for youth ages 0-18. Term Share Certificate must be in youth's name. Additional deposits can be made at any time throughout the term with no minimum Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Vermont Federal Credit Union’s Texas Ratio rose from 2.14% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	3.32%	5.0	A+
March 31, 2026	$1.1B	3.55%	5.0	A+
December 31, 2025	$1.0B	3.46%	5.0	A+
September 30, 2025	$1.0B	3.31%	5.0	A+
June 30, 2025	$1.0B	3.01%	5.0	A+
March 31, 2025	$1.0B	2.85%	5.0	A+
December 31, 2024	$995M	2.91%	5.0	A+
September 30, 2024	$976M	2.39%	5.0	A+
June 30, 2024	$956M	2.25%	5.0	A+
March 31, 2024	$946M	2.45%	5.0	A+
December 31, 2023	$933M	1.86%	5.0	A+
September 30, 2023	$933M	2.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Vermont Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Vermont Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Vermont Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vermont Federal Credit Union

Website https://www.vermontfederal.org

Address 275 Kennedy Dr, South Burlington, VT 05403-6706

Phone 888-252-0202

Fax

President Megan Manahan Bliss

CEO Jean Giard

Full-Time Employees 186

Part-Time Employees 13

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.4407%

Return on Equity (ROE)

4.0766%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

1,140,173,609

Total Amount of Shares and Deposits

1,012,286,324

Total Shares and Deposits < 1 Year

971,112,540

Total Shares and Deposits 1 3 Years

18,197,178

Total Shares and Deposits > 3 Years

22,976,607

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

78,431,018

Total Uninsured Shares and Deposits > $250K (F+J)

78,431,018

Total Insured Shares and Deposits > $250K (item 17 less item K)

933,855,306

Total Interest Expense (Sum of items 6 8)

7,710,742

Share Certificates

8,328

Number of Accounts for Share Drafts

46,381

IRA KEOGH Accounts

3,415

Number of Accounts for Regular Shares

78,934

All other shares

1,583

Money Market Shares

5,554

Net Income (unless the amount is already included in Undivided Earnings)

5,024,656

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

92,268,515

Total Liabilities

1,023,402,590

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Vermont Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Vermont Federal Credit Union

Does Vermont Federal Credit Union offer CDs?

Yes. Vermont Federal Credit Union current CD rates include its 13 Month CD - Limited Time Offer at 4.05% APY, its 13 Month Term CD at 4.05% APY and its 5 Month CD - Limited Time Offer at 3.80% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Vermont Federal Credit Union NCUA insured?

Yes. Vermont Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Vermont Federal Credit Union?

The highest Vermont Federal Credit Union CD rate is its 13 Month CD - Limited Time Offer at 4.05% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Vermont Federal Credit Union offer?

Vermont Federal Credit Union CD rates are 3.80% APY for a 5 month CD, 3.70% APY for a 6 month CD, 3.55% APY for a 12 month CD, 4.05% APY for a 13 month CD, 2.75% APY for an 18 month CD, 2.95% APY for a 2 year CD and 3.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Vermont Federal Credit Union for its full lineup.

What is the highest savings rate at Vermont Federal Credit Union?

The highest Vermont Federal Credit Union savings rate is its High Yield Savings - Limited Time Special Rate at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Vermont Federal Credit Union?

The highest Vermont Federal Credit Union money market rate is its Money Market Accounts at 2.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Vermont Federal Credit Union?

The highest Vermont Federal Credit Union checking rate is its Reward Checking (Requirements Met) at 1.26% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Vermont Federal Credit Union?

The lowest Vermont Federal Credit Union 30 year fixed mortgage rate is its Conventional 30 Year Fixed Rate at 6.625%, verified by MonitorBankRates as of October 29, 2026. Vermont Federal Credit Union mortgage rates are 6.625% for a 30 year mortgage, 6.375% for a 20 year mortgage, 6.125% for a 15 year mortgage and 7.25% for a 10 year mortgage.

What is the lowest auto loan rate at Vermont Federal Credit Union?

The lowest Vermont Federal Credit Union auto loan rate is its Electric/Hybrid Auto Loan - 24 Months at 4.40% APR, verified by MonitorBankRates as of October 29, 2026. Vermont Federal Credit Union auto loan rates are 4.40% APR for a 24 month auto loan, 4.55% APR for a 36 month auto loan, 4.70% APR for a 48 month auto loan, 4.85% APR for a 60 month auto loan, 5.00% APR for a 72 month auto loan, 5.60% APR for an 84 month auto loan and 7.24% APR for a 96 month auto loan.

What is the lowest personal loan rate at Vermont Federal Credit Union?

The lowest Vermont Federal Credit Union personal loan rate is its Personal Loan (0-12 Month Term) at 7.50% APR, verified by MonitorBankRates as of October 29, 2026. Vermont Federal Credit Union personal loan rates are 7.50% APR for a 12 month personal loan, 9.50% APR for a 36 month personal loan and 10.75% APR for a 60 month personal loan.

What is the lowest credit card APR at Vermont Federal Credit Union?

The lowest Vermont Federal Credit Union credit card APR is its VISA Platinum Credit Card at 10.70% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Vermont Federal Credit Union operate?

Vermont Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Vermont Federal Credit Union?

Yes, to access services at Vermont Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Vermont Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vermont Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Vermont Federal Credit Union offer online and mobile banking?

Most modern institutions like Vermont Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vermontfederal.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Vermont Federal Credit Union rates compare?

Vermont Federal Credit Union's CD rates are 24% higher than the MonitorBankRates national average, and it has an A+ health rating. Vermont Federal Credit Union's top rates are its 13 Month CD - Limited Time Offer at 4.05% APY, its High Yield Savings - Limited Time Special Rate at 4.00% APY, its Money Market Accounts at 2.75% APY, its Reward Checking (Requirements Met) at 1.26% APY, its Mini Mortgage Loan at 5.50%, its Solar Loan (60 Month & 120 Month Terms) at 5.90% APR and its VISA Platinum Credit Card at 10.70% APR, verified by MonitorBankRates on October 29, 2026.

Current Vermont Federal Credit Union Rates

12-Month CD3.55%
18-Month CD2.75%
24-Month CD2.95%
60-Month CD3.50%
Savings4.00%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

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Vermont Federal Credit Union Rates & Review November 2026

Brian McKay

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Vermont Federal Credit Union Money Market Rates

Vermont Federal Credit Union Checking Rates

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Vermont Federal Credit Union Mortgage Rates

Vermont Federal Credit Union Home Equity & HELOC

Vermont Federal Credit Union Auto Loan Rates

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Vermont Federal Credit Union Credit Card Rates

Vermont Federal Credit Union Personal Loan Rates

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Frequently Asked Questions About Vermont Federal Credit Union

Does Vermont Federal Credit Union offer CDs?

Are CDs from Vermont Federal Credit Union NCUA insured?

What is the highest CD rate at Vermont Federal Credit Union?

What CD terms does Vermont Federal Credit Union offer?

What is the highest savings rate at Vermont Federal Credit Union?

What is the highest money market rate at Vermont Federal Credit Union?

What is the highest checking rate at Vermont Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Vermont Federal Credit Union?

What is the lowest auto loan rate at Vermont Federal Credit Union?

What is the lowest personal loan rate at Vermont Federal Credit Union?

What is the lowest credit card APR at Vermont Federal Credit Union?

How many branches does Vermont Federal Credit Union operate?

Is a member application needed to join Vermont Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Vermont Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Vermont Federal Credit Union rates compare?

Current Vermont Federal Credit Union Rates

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