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CD Rate Trends

Vermont Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Vermont CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Vermont CD rates include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT 05602A+5.0 ★Texas Ratio: 5.27%Real return: +2.20%APY minus CPI (February 2026) offering New 6 month CD Special at 5.00% APY, The Bank of BenningtonThe Bank of Bennington155 North St, Bennington, VT 05201A+5.0 ★Texas Ratio: 2.86%Real return: +1.40%APY minus CPI (February 2026) offering 2-Year Certificate of Deposit at 4.20% APY, TrustCo BankTrustCo Bank215 North St, Bennington, VT 05201A+5.0 ★Texas Ratio: 4.14%Real return: +1.20%APY minus CPI (February 2026) offering 18 Months CD at 4.00% APY, Mascoma BankMascoma Bank270 River St, Springfield, VT 05156A+5.0 ★Texas Ratio: 1.41%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month CD/IRA Special at 4.00% APY, and North Country Federal Credit UnionNorth Country Federal Credit Union69 Swift St, S Burlington, VT 05403A5.0 ★Texas Ratio: 8.36%Real return: +1.10%APY minus CPI (February 2026) offering Certificates - 12 months at 3.90% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Vermont side-by-side. Vermont CD rates currently reach as high as 5.00% APY from Central Vermont Medical Centerinc CU at 130 Fisher Rd, Berlin, VT 05602. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Vermont

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Vermont 3 Month CD Rates

MonitorBankRates Vermont Average · 3 Month CD1.77% APYUnchanged from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Vermont is 1.77% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
3 Month Certificate of Deposit
$0
3.50% ▲ 1.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Interest Penalty: 90 Days

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 3 Month
$0
3.50% ▲ 1.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Interest Penalty: 90 Days

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3 Month Certificate of Deposit
$100
3.50% ▲ 1.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Rate History
1 change since Sep 20, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 20, 2026: 3.00% APYOct 8, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.50%▲ from 3.00%
  • Sep 20, 20263.00%first recorded
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-Month Fixed IRA
$100
3.50% ▲ 1.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-month Certificate of Deposit
$100
3.00% ▲ 1.23% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-Month Fixed
$100
3.00% ▲ 1.23% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average1.77%▲ 1.23% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
3 Month Term Share Certificate
$1,000
2.75% ▲ 0.98% above Vermont avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average1.77%▲ 0.98% above avgNationally 2.09%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 3 Month
$0
2.75% ▲ 0.98% above Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average1.77%▲ 0.98% above avgNationally 2.09%
Details

Account type: IRA Term Share Certificate; Rate column shown as 2.72%; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD - 3 Months
$500
2.50% ▲ 0.73% above Vermont avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average1.77%▲ 0.73% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 11, 2026: 2.50% APYSep 11, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
3 Month - Relationship
$0
1.00% ▼ 0.77% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average1.77%▼ 0.77% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
3 Month Certificate
$0
1.00% ▼ 0.77% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average1.77%▼ 0.77% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
3 Month TD Choice CD
$250
1.00% ▼ 0.77% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average1.77%▼ 0.77% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 3-Month
$0
0.75% ▼ 1.02% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average1.77%▼ 1.02% below avgNationally 2.09%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
90 Day Share Certificates
$0
0.25% ▼ 1.52% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average1.77%▼ 1.52% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
3-Month CD
$0
0.15% ▼ 1.62% below Vermont avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average1.77%▼ 1.62% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026

Vermont 6 Month CD Rates

MonitorBankRates Vermont Average · 6 Month CD2.77% APY▼ 0.06% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Vermont is 2.77% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00% ▲ 2.23% above Vermont avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 2.23% above avgNationally 2.78%
Details

Must be funded by new money not currently on deposit; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 6 months
$0
3.90% ▲ 1.13% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 1.13% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 6 months
$0
3.90% ▲ 1.13% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 1.13% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 6 months
$0
3.90% ▲ 1.13% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 1.13% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
6-Month CD
$0
3.70% ▲ 0.93% above Vermont avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.77%▲ 0.93% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
6 Month Certificate
$0
3.70% ▲ 0.93% above Vermont avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.93% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
6 Month IRA Certificate
$0
3.70% ▲ 0.93% above Vermont avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.93% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
6 Month Term Share Certificate
$0
3.70% ▲ 0.93% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.93% above avgNationally 2.78%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 6 Months
$500
3.60% ▲ 0.83% above Vermont avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 Park St, Brandon, VT 05733
6-month CD special
$1,000
3.50% ▲ 0.73% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

This CD special is available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 Park St, Brandon, VT 05733
6-month IRA CD special
$1,000
3.50% ▲ 0.73% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as a CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
6 Month Certificate of Deposit
$0
3.50% ▲ 0.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

Interest Penalty: 90 Days

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 6 Month
$0
3.50% ▲ 0.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

Interest Penalty: 90 Days

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
6-month Certificate of Deposit
$500
3.50% ▲ 0.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
6-Month Fixed IRA
$100
3.50% ▲ 0.73% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▲ 0.73% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
6 Months CD
$0
3.40% ▲ 0.63% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.63% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
6 Month Certificate
$1,000
3.35% ▲ 0.58% above Vermont avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.77%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 6 Month
$100,000
3.35% ▲ 0.58% above Vermont avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.77%▲ 0.58% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4912 Main St, Manchester Center, VT 05255
6-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.53% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.53% above avgNationally 2.78%
Details

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4912 Main St, Manchester Center, VT 05255
Beacon One 6 Month CD
$1,000
3.30% ▲ 0.53% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.53% above avgNationally 2.78%
Details

Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000.

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
441 Main St, Orwell, VT 05760
6 Months - 364 Days CD
$500
3.04% ▲ 0.27% above Vermont avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▲ 0.27% above avgNationally 2.78%
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 15, 2026: 3.04% APYSep 15, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 6-Month
$0
3.00% ▲ 0.23% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.23% above avgNationally 2.78%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 6-month
$0
3.00% ▲ 0.23% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.23% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 6-month
$0
3.00% ▲ 0.23% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.23% above avgNationally 2.78%
Details

APY reflects current minimum APY offered; Fees could reduce earnings; Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
6 Month Term Share Certificate
$1,000
3.00% ▲ 0.23% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.23% above avgNationally 2.78%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 6 Month
$0
3.00% ▲ 0.23% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▲ 0.23% above avgNationally 2.78%
Details

Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
6 Month CD
$1,000
2.50% ▼ 0.27% below Vermont avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 0.27% below avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
6 Month IRA CD
$50
2.50% ▼ 0.27% below Vermont avg
View
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 0.27% below avgNationally 2.78%
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 6 Month CD
$1,000
2.50% ▼ 0.27% below Vermont avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 0.27% below avgNationally 2.78%
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 6 Month IRA CD
$50
2.50% ▼ 0.27% below Vermont avg
View
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 0.27% below avgNationally 2.78%
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD - 6 Months
$500
2.40% ▼ 0.37% below Vermont avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.77%▼ 0.37% below avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 11, 2026: 2.40% APYSep 11, 2026Oct 13, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
5043 US Route 5, Newport, VT 05855 4543
6 Month Share Certificates/CD
$0
2.01% ▼ 0.76% below Vermont avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 0.76% below avgNationally 2.78%
Details

Set at Each Quarter End, Subject to Change; Last Dividend Declaration Date: 06/09/26

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 5 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Oct 13, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
Youth 6-Month CD
$0
2.00% ▼ 0.77% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.77%▼ 0.77% below avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
6 Month IRA Certificate
$0
1.85% ▼ 0.92% below Vermont avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 0.92% below avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 1.85% APY · checked 4 times
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 6 months
$0
1.80% ▼ 0.97% below Vermont avg
View
▼
Rate1.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 0.97% below avgNationally 2.78%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 6 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
6 Month Certificate
$0
1.00% ▼ 1.77% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▼ 1.77% below avgNationally 2.78%
Details

Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
6 Month TD Choice CD
$250
1.00% ▼ 1.77% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.77%▼ 1.77% below avgNationally 2.78%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
6 Month Certificate
$0
0.50% ▼ 2.27% below Vermont avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 2.27% below avgNationally 2.78%
Details

Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
6 Month IRA Traditional & Roth Certificate
$0
0.50% ▼ 2.27% below Vermont avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 2.27% below avgNationally 2.78%
Details

Dividends paid Monthly

Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
6 Month Share Certificates
$0
0.35% ▼ 2.42% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.77%▼ 2.42% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
6 Month Business Certificates of Deposit
$500
0.15% ▼ 2.62% below Vermont avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 2.62% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
6 Month Certificates of Deposit
$500
0.15% ▼ 2.62% below Vermont avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.77%▼ 2.62% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 13, 2026

Vermont 12 Month CD Rates

MonitorBankRates Vermont Average · 12 Month CD2.75% APYUnchanged from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Vermont is 2.75% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
12-Month CD/IRA Special
$500
4.00% ▲ 1.25% above Vermont avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▲ 1.25% above avgNationally 2.99%
Details

Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 11, 2026: 3.75% APYSep 19, 2026: 4.00% APYSep 11, 2026Oct 13, 2026
  • Sep 19, 20264.00%▲ from 3.75%
  • Sep 11, 20263.75%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
12 Months CD
$0
3.95% ▲ 1.20% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 12 months
$0
3.90% ▲ 1.15% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 12 months
$0
3.90% ▲ 1.15% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 12 months
$0
3.90% ▲ 1.15% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 1.15% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 13, 2026: 3.90% APYOct 13, 2026Oct 13, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 Park St, Brandon, VT 05733
12-month CD special
$1,000
3.75% ▲ 1.00% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▲ 1.00% above avgNationally 2.99%
Details

This CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
2 Park St, Brandon, VT 05733
12-month IRA CD special
$1,000
3.75% ▲ 1.00% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▲ 1.00% above avgNationally 2.99%
Details

This IRA CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as a CD.

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
12 Month Premier Term Share Certificate
$1,000
3.75% ▲ 1.00% above Vermont avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 1.00% above avgNationally 2.99%
Details

Members must be Premier Checking Members to open; Effective 10-13-2026

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Oct 13, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
12-Month CD
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 1-Year
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 1-year
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 1-year
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
12 Month Certificate
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
12 Month IRA Certificate
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
12 Month Term Share Certificate
$0
3.55% ▲ 0.80% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.80% above avgNationally 2.99%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
1 Year Certificate
$500
3.51% ▲ 0.76% above Vermont avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 1 year
$100,000
3.51% ▲ 0.76% above Vermont avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▲ 0.76% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 7, 2026: 3.51% APYOct 7, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
1-Year Certificate of Deposit
$500
3.50% ▲ 0.75% above Vermont avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
1-Year Fixed IRA
$100
3.50% ▲ 0.75% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 12 Months
$500
3.40% ▲ 0.65% above Vermont avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
441 Main St, Orwell, VT 05760
12 Months IRA
$500
3.29% ▲ 0.54% above Vermont avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▲ 0.54% above avgNationally 2.99%
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 15, 2026: 3.29% APYSep 15, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
47 Merchants Row, Rutland, VT 05701
1 Year Online CD
$0
3.25% ▲ 0.50% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
12 Month Term Share Certificate
$1,000
3.25% ▲ 0.50% above Vermont avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.50% above avgNationally 2.99%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 17, 2026: 3.25% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 12 Month
$0
3.25% ▲ 0.50% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.50% above avgNationally 2.99%
Details

Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - Seedling (12 months)
$0
3.15% ▲ 0.40% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▲ 0.40% above avgNationally 2.99%
Details

Limit of one per member

Rate History
No change since Oct 13, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
12 Month Flex CD
$1,000
3.00% ▲ 0.25% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▲ 0.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 12 Month Flex CD
$1,000
3.00% ▲ 0.25% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▲ 0.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 28, 2026: 3.00% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
12 Month CD
$1,000
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
12 Month IRA CD
$50
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
12 Month Rollover CD
$1,000
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
12 Month Rollover IRA CD
$50
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 12 Month CD
$1,000
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 12 Month IRA CD
$50
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 12 Month Rollover CD
$1,000
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 12 Month Rollover IRA CD
$50
2.75% At Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%At the averageNationally 2.99%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
1 Year IRA, Roth IRA Certificates - w/ELR
$1,000
2.60% ▼ 0.15% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 0.15% below avgNationally 2.99%
Details

Up to 2.60% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
12 Month Certificate of Deposit
$0
2.50% ▼ 0.25% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▼ 0.25% below avgNationally 2.99%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 12 Month
$0
2.50% ▼ 0.25% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.75%▼ 0.25% below avgNationally 2.99%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 13, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
5043 US Route 5, Newport, VT 05855 4543
12 Month Share Certificates/CD
$0
2.50% ▼ 0.25% below Vermont avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 0.25% below avgNationally 2.99%
Details

Set at Each Quarter End, Subject to Change; Last Dividend Declaration Date: 06/09/26

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD - 1 Year RGC
$500
2.20% ▼ 0.55% below Vermont avg
View
▼
Rate2.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▼ 0.55% below avgNationally 2.99%
Details

Relationship Gold Checking Account required

Rate History
No change since Sep 11, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 11, 2026: 2.20% APYSep 11, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 1 Year
$500
2.15% ▼ 0.60% below Vermont avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▼ 0.60% below avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 11, 2026: 2.15% APYSep 11, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
12 Month IRA Certificate
$0
2.10% ▼ 0.65% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 0.65% below avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 4 times
1.60%2.10%2.60%Sep 22, 2026: 2.10% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 12 months
$0
2.00% ▼ 0.75% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 0.75% below avgNationally 2.99%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Smart Savers 1 Year Term
$0
1.70% ▼ 1.05% below Vermont avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 1.05% below avgNationally 2.99%
Details

Smart Savers CD

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 6 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
12 Month - Relationship
$0
1.00% ▼ 1.75% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▼ 1.75% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
12 Month Certificate
$0
1.00% ▼ 1.75% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▼ 1.75% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
12 Month TD Choice CD
$250
1.00% ▼ 1.75% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.75%▼ 1.75% below avgNationally 2.99%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
30 Main St, Middlebury, VT 05753
1-Year Fixed Rate
$0
1.00% ▼ 1.75% below Vermont avg
View
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.75%▼ 1.75% below avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
12 Month Certificate
$0
0.60% ▼ 2.15% below Vermont avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 2.15% below avgNationally 2.99%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
12 Month IRA Traditional & Roth Certificate
$0
0.60% ▼ 2.15% below Vermont avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.75%▼ 2.15% below avgNationally 2.99%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Oct 13, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 13, 2026: 0.60% APYOct 13, 2026Oct 13, 2026

Vermont 18 Month CD Rates

MonitorBankRates Vermont Average · 18 Month CD2.91% APYUnchanged from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Vermont is 2.91% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
18 Months CD
$0
4.00% ▲ 1.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▲ 1.10% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
401 Main St, Bennington, VT 05201
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.95% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▲ 0.95% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
401 Main St, Bennington, VT 05201
18-Month M&T Select CD
$0
3.85% ▲ 0.95% above Vermont avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
18-Month CD/IRA Special
$500
3.85% ▲ 0.95% above Vermont avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.91%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 11, 2026: 3.85% APYSep 11, 2026Oct 13, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
18 Month CD Specials
$0
3.82% ▲ 0.92% above Vermont avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▲ 0.92% above avgNationally 2.87%
Details

Terms: 18 months, fixed-rate. Available as an IRA. This CD is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks). A penalty of 90 days interest imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates are subject to change without notice.

Rate History
No change since Oct 7, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 7, 2026: 3.82% APYOct 7, 2026Oct 13, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
18-Month CD
$0
3.60% ▲ 0.70% above Vermont avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.91%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 18 months
$0
3.60% ▲ 0.70% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▲ 0.70% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 18 months
$0
3.60% ▲ 0.70% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▲ 0.70% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 18 months
$0
3.60% ▲ 0.70% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
18 Month Premier Term Share Certificate
$1,000
3.30% ▲ 0.40% above Vermont avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▲ 0.40% above avgNationally 2.87%
Details

Members must be Premier Checking Members to open; Effective 10-13-2026

Rate History
No change since Sep 17, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 17, 2026: 3.30% APYSep 17, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 18 Months
$500
3.20% ▲ 0.30% above Vermont avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▲ 0.30% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
18 Month Term Share Certificate
$1,000
2.80% ▼ 0.10% below Vermont avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.10% below avgNationally 2.87%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 2.80% APY · checked 7 times
2.30%2.80%3.30%Sep 17, 2026: 2.80% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 18 Month
$0
2.80% ▼ 0.10% below Vermont avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.10% below avgNationally 2.87%
Details

Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
18 Month Certificate
$0
2.75% ▼ 0.15% below Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.15% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
18 Month IRA Certificate
$0
2.75% ▼ 0.15% below Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.15% below avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
18 Month Term Share Certificate
$0
2.75% ▼ 0.15% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.15% below avgNationally 2.87%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
18 Month IRA, Roth IRA Certificates - w/ELR
$1,000
2.65% ▼ 0.25% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.25% below avgNationally 2.87%
Details

Up to 2.65% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
18 Month Certificate of Deposit
$0
2.50% ▼ 0.40% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.91%▼ 0.40% below avgNationally 2.87%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 18 Month
$0
2.50% ▼ 0.40% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.91%▼ 0.40% below avgNationally 2.87%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
18 Month IRA Certificate
$0
2.10% ▼ 0.80% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 0.80% below avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 4 times
1.60%2.10%2.60%Sep 22, 2026: 2.10% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 18 months (no-penalty)
$0
1.80% ▼ 1.10% below Vermont avg
View
▼
Rate1.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 1.10% below avgNationally 2.87%
Details

No-penalty term; Dividends paid monthly

Rate History
No change since Sep 29, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 29, 2026: 1.80% APYSep 29, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
18 Month - Relationship
$0
1.00% ▼ 1.90% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▼ 1.90% below avgNationally 2.87%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
18 Month Certificate
$0
1.00% ▼ 1.90% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▼ 1.90% below avgNationally 2.87%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
18 Month TD Choice CD
$250
1.00% ▼ 1.90% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.91%▼ 1.90% below avgNationally 2.87%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
18 Month IRA, Roth IRA Certificates
$1,000
0.55% ▼ 2.35% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 2.35% below avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 5 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
18 Month Share Certificates
$1,000
0.45% ▼ 2.45% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 2.45% below avgNationally 2.87%
Details

Standard APY

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 1.5 Years
$500
0.25% ▼ 2.66% below Vermont avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.91%▼ 2.66% below avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
IRA 1.5 Years Variable Rate
$25
0.25% ▼ 2.66% below Vermont avg
View
▼
Rate0.25%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.91%▼ 2.66% below avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 18 Months
$0
0.20% ▼ 2.70% below Vermont avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.91%▼ 2.70% below avgNationally 2.87%
Details

Social share certificate

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026

Vermont 24 Month CD Rates

MonitorBankRates Vermont Average · 24 Month CD2.39% APY▲ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Vermont is 2.39% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
2-Year Certificate of Deposit
$500
4.20% ▲ 1.81% above Vermont avg
View
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.81% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
2-Year Fixed
$100
4.20% ▲ 1.81% above Vermont avg
View
▼
Rate4.11%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.81% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - Sapling (24 months)
$0
3.80% ▲ 1.41% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.41% above avgNationally 2.88%
Details

Variable rate

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - Sapling (24 months)
$0
3.80% ▲ 1.41% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.41% above avgNationally 2.88%
Details

Variable rate

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - Sapling (24 months)
$0
3.80% ▲ 1.41% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.41% above avgNationally 2.88%
Details

Variable rate

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
24 Month CD
$1,000
3.75% ▲ 1.36% above Vermont avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
24 Month IRA CD
$50
3.75% ▲ 1.36% above Vermont avg
View
▼
Rate3.68%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 24 Month CD
$1,000
3.75% ▲ 1.36% above Vermont avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 24 Month IRA CD
$50
3.75% ▲ 1.36% above Vermont avg
View
▼
Rate3.68%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 1.36% above avgNationally 2.88%
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 24 months
$0
3.60% ▲ 1.21% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 24 months
$0
3.60% ▲ 1.21% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.21% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 24 months
$0
3.60% ▲ 1.21% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
2 Year Certificate
$500
3.56% ▲ 1.17% above Vermont avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.39%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 2 year
$100,000
3.56% ▲ 1.17% above Vermont avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.39%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 7, 2026: 3.56% APYOct 7, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 2-Year
$0
3.55% ▲ 1.16% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.16% above avgNationally 2.88%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 2-year
$0
3.55% ▲ 1.16% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 2-year
$0
3.55% ▲ 1.16% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 1.16% above avgNationally 2.88%
Details

Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4912 Main St, Manchester Center, VT 05255
24-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.91% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4912 Main St, Manchester Center, VT 05255
Beacon One 24 Month CD
$1,000
3.30% ▲ 0.91% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▲ 0.91% above avgNationally 2.88%
Details

Must be an OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000.

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
24 Month Premier Term Share Certificate
$1,000
3.20% ▲ 0.81% above Vermont avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.81% above avgNationally 2.88%
Details

Members must be Premier Checking Members to open; Effective 10-13-2026

Rate History
No change since Sep 17, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 17, 2026: 3.20% APYSep 17, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
47 Merchants Row, Rutland, VT 05701
2 Year Online CD
$0
3.00% ▲ 0.61% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
2-Year Certificate of Deposit
$500
3.00% ▲ 0.61% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 4.20% → 3.00% ▼ 1.20 pts · high 4.20% / low 3.00%
1.80%3.60%5.40%Sep 20, 2026: 4.20% APYOct 8, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.00%▼ from 4.20%
  • Sep 20, 20264.20%first recorded
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
2-Year Fixed IRA
$100
3.00% ▲ 0.61% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 24 Months
$500
3.00% ▲ 0.61% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
24 Month Certificate
$0
2.95% ▲ 0.56% above Vermont avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
24 Month IRA Certificate
$0
2.95% ▲ 0.56% above Vermont avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.56% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
24 Month Term Share Certificate
$0
2.95% ▲ 0.56% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.56% above avgNationally 2.88%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 25, 2026: 2.95% APYSep 25, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
2 Year IRA, Roth IRA Certificates - w/ELR
$1,000
2.80% ▲ 0.41% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.41% above avgNationally 2.88%
Details

Up to 2.80% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 13, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
441 Main St, Orwell, VT 05760
24 Months CD
$500
2.78% ▲ 0.39% above Vermont avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▲ 0.39% above avgNationally 2.88%
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 2.78% APY · checked 7 times
2.28%2.78%3.28%Sep 15, 2026: 2.78% APYSep 15, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
24 Month Term Share Certificate
$1,000
2.70% ▲ 0.31% above Vermont avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.31% above avgNationally 2.88%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 17, 2026: 2.70% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 24 Month
$0
2.70% ▲ 0.31% above Vermont avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▲ 0.31% above avgNationally 2.88%
Details

Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
24 Month Certificate of Deposit
$0
2.25% ▼ 0.14% below Vermont avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▼ 0.14% below avgNationally 2.88%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 24 Month
$0
2.25% ▼ 0.14% below Vermont avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▼ 0.14% below avgNationally 2.88%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 8, 2026: 2.25% APYOct 8, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
24 Month IRA Certificate
$0
2.15% ▼ 0.24% below Vermont avg
View
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 0.24% below avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 22, 2026: 2.15% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 24 months
$0
2.05% ▼ 0.34% below Vermont avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 0.34% below avgNationally 2.88%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
30 Main St, Middlebury, VT 05753
2-Year Fixed Rate
$0
1.20% ▼ 1.19% below Vermont avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.39%▼ 1.19% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 1.20% APY · checked 8 times
0.70%1.20%1.70%Sep 11, 2026: 1.20% APYSep 11, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
24 Month Certificate
$0
1.00% ▼ 1.39% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▼ 1.39% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
24 Month TD Choice CD
$250
1.00% ▼ 1.39% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▼ 1.39% below avgNationally 2.88%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
24 Month Certificate
$0
1.00% ▼ 1.39% below Vermont avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.39% below avgNationally 2.88%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
24 Month IRA Traditional & Roth Certificate
$0
1.00% ▼ 1.39% below Vermont avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.39% below avgNationally 2.88%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
24 Month Certificate
$0
0.90% ▼ 1.49% below Vermont avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.49% below avgNationally 2.88%
Details

Balance: $500-$1,999; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
24 Month IRA Traditional & Roth Certificate
$0
0.90% ▼ 1.49% below Vermont avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.49% below avgNationally 2.88%
Details

Balance: $500-$1,999; Dividends paid Monthly

Rate History
No change since Oct 13, 2026 · 0.90% APY
0.40%0.90%1.40%Oct 13, 2026: 0.90% APYOct 13, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
2 Year IRA, Roth IRA Certificates
$1,000
0.70% ▼ 1.69% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.69% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 5 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 13, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
24 Month Youth CD
$0
0.59% ▼ 1.80% below Vermont avg
View
▼
Rate0.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.39%▼ 1.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.59% APY · checked 7 times
0.09%0.59%1.09%Sep 19, 2026: 0.59% APYSep 19, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
2 Year Share Certificates
$1,000
0.50% ▼ 1.89% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 1.89% below avgNationally 2.88%
Details

Standard APY

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 2 Years
$500
0.35% ▼ 2.04% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.39%▼ 2.04% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 11, 2026: 0.35% APYSep 11, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
24 Month Business Certificates of Deposit
$500
0.35% ▼ 2.04% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▼ 2.04% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
24 Month Certificates of Deposit
$500
0.35% ▼ 2.04% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.39%▼ 2.04% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 24 Months
$0
0.30% ▼ 2.09% below Vermont avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.39%▼ 2.09% below avgNationally 2.88%
Details

Social share certificate

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026

Vermont 36 Month CD Rates

MonitorBankRates Vermont Average · 36 Month CD2.32% APY▼ 0.05% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Vermont is 2.32% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 3-Year
$0
3.65% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 3-year
$0
3.65% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 3-year
$0
3.65% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.33% above avgNationally 2.81%
Details

Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
3 Year Certificate
$500
3.61% ▲ 1.29% above Vermont avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.32%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 3 year
$100,000
3.61% ▲ 1.29% above Vermont avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.32%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 7, 2026: 3.61% APYOct 7, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Save for Success CD-3 year
$100
3.61% ▲ 1.29% above Vermont avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.32%▲ 1.29% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 7 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 36 months
$0
3.60% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.28% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 36 months
$0
3.60% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.28% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 36 months
$0
3.60% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.28% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
3 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.50% ▲ 1.18% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 1.18% above avgNationally 2.81%
Details

Up to 3.50% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
36 Month Certificate
$0
3.15% ▲ 0.83% above Vermont avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
36 Month IRA Certificate
$0
3.15% ▲ 0.83% above Vermont avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
36 Month Term Share Certificate
$0
3.15% ▲ 0.83% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.83% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 25, 2026: 3.15% APYSep 25, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
36 Month Premier Term Share Certificate
$1,000
3.10% ▲ 0.78% above Vermont avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.78% above avgNationally 2.81%
Details

Members must be Premier Checking Members to open; Effective 10-13-2026

Rate History
No change since Sep 17, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 17, 2026: 3.10% APYSep 17, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-Year Certificate of Deposit
$500
3.00% ▲ 0.68% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-Year Fixed IRA
$100
3.00% ▲ 0.68% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
36 Month IRA Certificate
$0
3.00% ▲ 0.68% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 36 Months
$500
3.00% ▲ 0.68% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
36 Month CD
$1,000
2.85% ▲ 0.53% above Vermont avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
36 Month IRA CD
$50
2.85% ▲ 0.53% above Vermont avg
View
▼
Rate2.81%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 36 Month CD
$1,000
2.85% ▲ 0.53% above Vermont avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 36 Month IRA CD
$50
2.85% ▲ 0.53% above Vermont avg
View
▼
Rate2.81%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 4 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
47 Merchants Row, Rutland, VT 05701
3 Year Online CD
$0
2.75% ▲ 0.43% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.32%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
36 Month Term Share Certificate
$1,000
2.60% ▲ 0.28% above Vermont avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.28% above avgNationally 2.81%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 2.60% APY · checked 7 times
2.10%2.60%3.10%Sep 17, 2026: 2.60% APYSep 17, 2026Oct 13, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
30 Allen St, Rutland, VT 05701
IRA Term Share Certificates - 36 Month
$0
2.60% ▲ 0.28% above Vermont avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▲ 0.28% above avgNationally 2.81%
Details

Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
36 Month Certificate of Deposit
$0
2.50% ▲ 0.18% above Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.18% above avgNationally 2.81%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 36 Month
$0
2.50% ▲ 0.18% above Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▲ 0.18% above avgNationally 2.81%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 36 months
$0
2.05% ▼ 0.27% below Vermont avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 0.27% below avgNationally 2.81%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 6 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
3 Year IRA, Roth IRA Certificates
$1,000
1.40% ▼ 0.92% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 0.92% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 13, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
30 Main St, Middlebury, VT 05753
3-Year Fixed Rate
$0
1.25% ▼ 1.07% below Vermont avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.32%▼ 1.07% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 11, 2026: 1.25% APYSep 11, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
36 Month Certificate
$0
1.20% ▼ 1.12% below Vermont avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 1.12% below avgNationally 2.81%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 13, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
130 Fisher Rd, Berlin, VT 05602
36 Month IRA Traditional & Roth Certificate
$0
1.20% ▼ 1.12% below Vermont avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 1.12% below avgNationally 2.81%
Details

Balance: $2,000 and above; Dividends paid Monthly

Rate History
No change since Oct 13, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 13, 2026: 1.20% APYOct 13, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
3 Year Share Certificates
$1,000
1.05% ▼ 1.27% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 1.27% below avgNationally 2.81%
Details

Standard APY

Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 6 times
0.55%1.05%1.55%Sep 14, 2026: 1.05% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
3 Year Certificate
$0
1.00% ▼ 1.32% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.32%▼ 1.32% below avgNationally 2.81%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
3 Year TD Choice CD
$250
1.00% ▼ 1.32% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.32%▼ 1.32% below avgNationally 2.81%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 3 Years
$500
0.40% ▼ 1.92% below Vermont avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.32%▼ 1.92% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
36 Month Certificates of Deposit
$500
0.40% ▼ 1.92% below Vermont avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▼ 1.92% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 36 Months
$0
0.40% ▼ 1.92% below Vermont avg
View
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.32%▼ 1.92% below avgNationally 2.81%
Details

Social share certificate

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
12 - 36 Month KidSaver Toucan CD
$100
0.35% ▼ 1.97% below Vermont avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.32%▼ 1.97% below avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal. Fees may reduce earnings. Withdrawal of interest will reduce earnings. Refer to account disclosures for complete terms and conditions.

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026

Vermont 48 Month CD Rates

MonitorBankRates Vermont Average · 48 Month CD2.53% APY▼ 0.07% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Vermont is 2.53% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
4 Year Certificate
$500
3.66% ▲ 1.13% above Vermont avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.53%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 4 year
$100,000
3.66% ▲ 1.13% above Vermont avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.53%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 7, 2026: 3.66% APYOct 7, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
4 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.65% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.12% above avgNationally 2.80%
Details

Up to 3.65% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 4-Year
$0
3.65% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.12% above avgNationally 2.80%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 4-year
$0
3.65% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.12% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 4-year
$0
3.65% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.12% above avgNationally 2.80%
Details

Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 48 months
$0
3.60% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.07% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 48 months
$0
3.60% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.07% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 48 months
$0
3.60% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 1.07% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
48 Month Certificate
$0
3.25% ▲ 0.72% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
48 Month IRA Certificate
$0
3.25% ▲ 0.72% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
48 Month Term Share Certificate
$0
3.25% ▲ 0.72% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 0.72% above avgNationally 2.80%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
4-Year Certificate of Deposit
$500
3.00% ▲ 0.47% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
4-Year Fixed IRA
$100
3.00% ▲ 0.47% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 48 Months
$500
3.00% ▲ 0.47% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▲ 0.47% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
48 Month CD
$1,000
2.95% ▲ 0.42% above Vermont avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
48 Month IRA CD
$50
2.95% ▲ 0.42% above Vermont avg
View
▼
Rate2.91%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 48 Month CD
$1,000
2.95% ▲ 0.42% above Vermont avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 48 Month IRA CD
$50
2.95% ▲ 0.42% above Vermont avg
View
▼
Rate2.91%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
47 Merchants Row, Rutland, VT 05701
4 Year Online CD
$0
2.75% ▲ 0.22% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.53%▲ 0.22% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
48 Month Certificate of Deposit
$0
2.75% ▲ 0.22% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.22% above avgNationally 2.80%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 48 Month
$0
2.75% ▲ 0.22% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▲ 0.22% above avgNationally 2.80%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
48 Month IRA Certificate
$0
2.20% ▼ 0.33% below Vermont avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▼ 0.33% below avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 2.20% APY · checked 4 times
1.70%2.20%2.70%Sep 22, 2026: 2.20% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 48 months
$0
2.10% ▼ 0.43% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▼ 0.43% below avgNationally 2.80%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
4 Year IRA, Roth IRA Certificates
$1,000
1.55% ▼ 0.98% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▼ 0.98% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 5 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
4 Year Share Certificates
$1,000
1.30% ▼ 1.23% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▼ 1.23% below avgNationally 2.80%
Details

Standard APY

Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 6 times
0.80%1.30%1.80%Sep 14, 2026: 1.30% APYSep 14, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 48 Months
$0
0.50% ▼ 2.03% below Vermont avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.53%▼ 2.03% below avgNationally 2.80%
Details

Social share certificate

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 4 Years
$500
0.45% ▼ 2.08% below Vermont avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.53%▼ 2.08% below avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 11, 2026: 0.45% APYSep 11, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
48 Month Certificates of Deposit
$500
0.45% ▼ 2.08% below Vermont avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.53%▼ 2.08% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 13, 2026

Vermont 60 Month CD Rates

MonitorBankRates Vermont Average · 60 Month CD2.51% APY▲ 0.06% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Vermont is 2.51% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
5 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.85% ▲ 1.34% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.34% above avgNationally 2.90%
Details

Up to 3.85% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
5-Year Certificate of Deposit
$500
3.75% ▲ 1.24% above Vermont avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 1.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
5-Year Fixed
$100
3.75% ▲ 1.24% above Vermont avg
View
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 1.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
5 Year Certificate
$500
3.71% ▲ 1.20% above Vermont avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.51%▲ 1.20% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 7 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Oct 13, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
Jumbo Certificates of Deposit and IRAs - 5 year
$100,000
3.71% ▲ 1.20% above Vermont avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.51%▲ 1.20% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 7, 2026: 3.71% APYOct 7, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Business Certificates - 5-Year
$0
3.65% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.14% above avgNationally 2.90%
Details

Balance: $1,000 minimum to earn APY

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
Fixed-Rate Certificate - 5-year
$0
3.65% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
141 Harvest Ln, Williston, VT 05495 7331
IRA Certificate 5-year
$0
3.65% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.14% above avgNationally 2.90%
Details

Early withdrawal penalties may apply to Certificates

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
Certificates - 60 months
$0
3.60% ▲ 1.09% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
HSA Certificates - 60 months
$0
3.60% ▲ 1.09% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.09% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
69 Swift St, S Burlington, VT 05403
IRA - 60 months
$0
3.60% ▲ 1.09% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 1.09% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
60 Month Certificate
$0
3.50% ▲ 0.99% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 0.99% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
60 Month IRA Certificate
$0
3.50% ▲ 0.99% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 0.99% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
60 Month Term Share Certificate
$0
3.50% ▲ 0.99% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 0.99% above avgNationally 2.90%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$0
3.50% ▲ 0.99% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 0.99% above avgNationally 2.90%
Details

Youth Advantage certificate

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
60 Month CD
$1,000
3.05% ▲ 0.54% above Vermont avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
60 Month IRA CD
$50
3.05% ▲ 0.54% above Vermont avg
View
▼
Rate3.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 60 Month CD
$1,000
3.05% ▲ 0.54% above Vermont avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 28, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 28, 2026: 3.05% APYSep 28, 2026Oct 13, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
33 S Main St, Northfield, VT 05663
Business 60 Month IRA CD
$50
3.05% ▲ 0.54% above Vermont avg
View
▼
Rate3.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 28, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Sep 28, 2026: 3.05% APYSep 28, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
60 Month Certificate of Deposit
$0
3.00% ▲ 0.49% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.49% above avgNationally 2.90%
Details

Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
25 Kingman St, Saint Albans, VT 05478
IRA Traditional & Roth - 60 Month
$0
3.00% ▲ 0.49% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.49% above avgNationally 2.90%
Details

Interest Penalty: 180 Days

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
5-Year Certificate of Deposit
$500
3.00% ▲ 0.49% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.49% above avgNationally 2.90%
Details

Rate History
1 change since Sep 20, 2026 · 3.75% → 3.00% ▼ 0.75 pts · high 3.75% / low 3.00%
2.25%3.38%4.50%Sep 20, 2026: 3.75% APYOct 8, 2026: 3.00% APYSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.00%▼ from 3.75%
  • Sep 20, 20263.75%first recorded
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
5-Year Fixed IRA
$100
3.00% ▲ 0.49% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Share Certificates - 60 Months
$500
3.00% ▲ 0.49% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▲ 0.49% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
47 Merchants Row, Rutland, VT 05701
5 Year Online CD
$0
2.75% ▲ 0.24% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▲ 0.24% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
60 Month IRA Certificate
$0
2.20% ▼ 0.31% below Vermont avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 0.31% below avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 2.20% APY · checked 4 times
1.70%2.20%2.70%Sep 22, 2026: 2.20% APYSep 22, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Certificates of Deposit (CD) - 60 months
$0
2.10% ▼ 0.41% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 0.41% below avgNationally 2.90%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 6 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
614 N Hartland Rd, White River Junction, VT 05001 4720
Youth Savers 5 Year Term
$0
2.00% ▼ 0.51% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 0.51% below avgNationally 2.90%
Details

Youth Savers CD

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
5 Year IRA, Roth IRA Certificates
$1,000
1.75% ▼ 0.76% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 0.76% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 13, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1680 Shelburne Rd, South Burlington, VT 05403 7718
5 Year Share Certificates
$1,000
1.40% ▼ 1.11% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 1.11% below avgNationally 2.90%
Details

Standard APY

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 13, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
60 Month Jumbo CD
$100,000
1.23% ▼ 1.28% below Vermont avg
View
▼
Rate1.22%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.28% below avgNationally 2.90%
Details

Tier Balance: $100,000 +

Rate History
No change since Sep 19, 2026 · 1.23% APY · checked 7 times
0.73%1.23%1.73%Sep 19, 2026: 1.23% APYSep 19, 2026Oct 13, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
60 Month Jumbo CD
$100,000
1.12% ▼ 1.39% below Vermont avg
View
▼
Rate1.12%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.39% below avgNationally 2.90%
Details

Tier Balance: $100,000 +

Rate History
2 changes since Sep 19, 2026 · 1.23% → 1.12% ▼ 0.11 pts · high 1.23% / low 1.12%
0.62%1.18%1.73%Sep 19, 2026: 1.23% APYSep 24, 2026: 1.13% APYOct 7, 2026: 1.12% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20261.12%▼ from 1.13%
  • Sep 24, 20261.13%▼ from 1.23%
  • Sep 19, 20261.23%first recorded
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
60 Month Regular CD
$2,500
1.01% ▼ 1.50% below Vermont avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.50% below avgNationally 2.90%
Details

Tier Balance: $2,500 - $99,999.99

Rate History
No change since Sep 19, 2026 · 1.01% APY · checked 7 times
0.51%1.01%1.51%Sep 19, 2026: 1.01% APYSep 19, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
5 Year Certificate
$0
1.00% ▼ 1.51% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.51% below avgNationally 2.90%
Details

Balance: $250.00 - $9,999.99; Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
111 Main St, Burlington, VT 05401
5 Year TD Choice CD
$250
1.00% ▼ 1.51% below Vermont avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.51% below avgNationally 2.90%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
4811 US Route 5, Derby, VT 05855
60 Month Regular CD
$2,500
0.90% ▼ 1.61% below Vermont avg
View
▼
Rate0.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Vermont Average2.51%▼ 1.61% below avgNationally 2.90%
Details

Tier Balance: $2,500 - $99,999.99

Rate History
1 change since Sep 19, 2026 · 1.01% → 0.90% ▼ 0.11 pts · high 1.01% / low 0.90%
0.40%0.96%1.51%Sep 19, 2026: 1.01% APYSep 24, 2026: 0.90% APYSep 19, 2026Oct 13, 2026
  • Sep 24, 20260.90%▼ from 1.01%
  • Sep 19, 20261.01%first recorded
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 60 Months
$0
0.60% ▼ 1.91% below Vermont avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Vermont Average2.51%▼ 1.91% below avgNationally 2.90%
Details

Social share certificate

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 5 Years
$500
0.55% ▼ 1.96% below Vermont avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.51%▼ 1.96% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 11, 2026: 0.55% APYSep 11, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
60 Month Business Certificates of Deposit
$500
0.50% ▼ 2.01% below Vermont avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▼ 2.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
60 Month Certificates of Deposit
$500
0.50% ▼ 2.01% below Vermont avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Vermont Average2.51%▼ 2.01% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Vermont Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
The Bank of Bennington
2-Year Certificate of Deposit
A+ 5.0 ★ TX: 2.86%
Min: $500
4.20%
TrustCo Bank
18 Months CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.00%
Mascoma Bank
12-Month CD/IRA Special
A+ 5.0 ★ TX: 1.41%
Min: $500
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Community National Bank (VT)
18 Month CD Specials
A+ 5.0 ★ TX: 2.92%
Min: $0
3.82%
CU Top 5 Credit Union Rates
Central Vermont Medical Centerinc CU
New 6 month CD Special
A+ 5.0 ★ TX: 5.27%
Min: $0
5.00%
North Country Federal Credit Union
Certificates - 12 months
A 5.0 ★ TX: 8.36%
Min: $0
3.90%
SeaComm Federal Credit Union
5 Year IRA, Roth IRA Certificates - w/ELR
A+ 5.0 ★ TX: 1.98%
Min: $1,000
3.85%
Heritage Family Federal Credit Union
12 Month Premier Term Share Certificate
A+ 5.0 ★ TX: 4.78%
Min: $1,000
3.75%
Vermont Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 3.32%
Min: $0
3.70%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Vermont CD Rate Trends

Compare local Vermont CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Vermont CD Trends
12-Month CD VT Avg
2.755%
▲ 0.004 vs 7 days ago

Vermont 12-month CD rates rose 0.004 points over the past 7 days to 2.755% APY.

6-Month CD VT Avg
2.772%
▼ 0.055 vs 7 days ago

Vermont 6-month CD rates fell 0.055 points over the past 7 days to 2.772% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

VT CD Rate Forecast, Next 12 Months

Where are Vermont CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

VT 12-Month Avg APY
2.755%
6-Month Forecast
2.755%
Range: 2.56%, 2.91%
12-Month Forecast
3.005%
Range: 2.81%, 3.16%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Vermont average 12-month CD APY in our database.

Spread model: The Vermont 12-month CD average currently trades 1.62% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at VT CD Rates Today

Annual interest earnings at today’s Vermont average APYs. State average used where available; national average as fallback.

CD Term VT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.773% $88.63 $177.25 $443.13 $886.25
6-Month CD 2.772% $138.58 $277.15 $692.88 $1,385.75
12-Month CD 2.755% $137.75 $275.49 $688.73 $1,377.45
18-Month CD 2.905% $145.25 $290.50 $726.25 $1,452.50
24-Month CD 2.391% $119.55 $239.11 $597.78 $1,195.55
36-Month CD 2.324% $116.22 $232.44 $581.10 $1,162.20
48-Month CD 2.530% $126.52 $253.03 $632.57 $1,265.15
60-Month CD 2.514% $125.71 $251.41 $628.53 $1,257.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Vermont Savers

$25,000 split equally across 5 terms using today’s Vermont average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit VT Avg APY Annual Earnings
1 3-Month CD $5,000 1.773% $88.63
2 6-Month CD $5,000 2.772% $138.58
3 12-Month CD $5,000 2.755% $137.75
4 24-Month CD $5,000 2.391% $119.55
5 36-Month CD $5,000 2.324% $116.22
Total ($25,000 invested) $25,000 2.403% blended $600.73/yr

Ladder example uses equal $5,000 rungs and Vermont average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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281
CD Rates
Tracked in Vermont
16 Banks 9 Credit Unions

About Our Vermont CD Rate Database

MonitorBankRates tracks 281 CD rates from 16 banks and 9 credit unions with locations in Vermont, plus national online institutions available to Vermont residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Central Vermont Medical Centerinc CU offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Vermont.

How to Find the Best CD Rates in Vermont

What to compare when shopping for a CD in Vermont

To find the best APYs in Vermont, start with credit unions and online-only banks: Vermont has 9 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Vermont

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Vermont: 25 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Vermont savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Vermont money market rates

Vermont Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
21.4%
National avg: 17.3%
Median Individual Earnings
$45,940
National avg: $47,340
Poverty Rate
10.1%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At VT 12-mo avg 2.755% APY

21.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.5% reflects a strong local economy. At today’s VT 12-month CD average of 2.755%, saving 10% of the local median salary ($4,594/year) and putting it in a CD would earn an additional $127 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Vermont

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Vermont

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Vermont typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Vermont as everywhere in the U.S.

Choosing a CD Term in Vermont

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Vermont savers easier access to their funds. For example, Central Vermont Medical Centerinc CU is offering its New 6 month CD Special at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SeaComm Federal Credit Union is offering its 5 Year IRA, Roth IRA Certificates - w/ELR at 3.85% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Vermont Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Vermont saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Vermont

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Vermont CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Vermont

Most CDs carry a fixed rate that is locked for the entire term, protecting a Vermont depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Vermont

Are CD rates in Vermont FDIC insured?

Yes, most established banks in Vermont are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Vermont?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Vermont.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Vermont may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Vermont?

Here are recent top rates found for this area:
  • Central Vermont Medical Centerinc CU: 5.00% APY (New 6 month CD Special)
  • The Bank of Bennington: 4.20% APY (2-Year Certificate of Deposit)
  • TrustCo Bank: 4.00% APY (18 Months CD)
  • Mascoma Bank: 4.00% APY (12-Month CD/IRA Special)
  • North Country Federal Credit Union: 3.90% APY (Certificates - 12 months)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • SeaComm Federal Credit Union: 3.85% APY (5 Year IRA, Roth IRA Certificates - w/ELR)
  • Community National Bank (VT): 3.82% APY (18 Month CD Specials)
  • Bar Harbor Bank & Trust: 3.75% APY (12-month CD special)
  • Northfield Savings Bank: 3.75% APY (24 Month CD)
Rates reflect recent verified offers available in Vermont. Last Updated: October 13, 2026

Vermont CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Vermont rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Vermont CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Vermont. Averages shown use the Vermont state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Vermont

Vermont CD Calculator

At today’s VT top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Vermont CD Ladder

VT CD rates currently range from 1.773% (3-month) to 2.324% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Vermont CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Vermont’s average 12-month CD is 2.755% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Vermont CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Vermont directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Vermont. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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Cities in Vermont

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