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Vermont Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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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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.
Current Vermont CD rates include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT 05602A+5.0 ★Texas Ratio: 5.85%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, 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, Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT 05401 4441A+5.0 ★Texas Ratio: 3.55%Real return: +1.20%APY minus CPI (February 2026) offering Youth Advantage 60 Month Certificate at 4.00% APY, and M&T BankM&T Bank401 Main St, Bennington, VT 05201A5.0 ★Texas Ratio: 6.93%Real return: +1.05%APY minus CPI (February 2026) offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY. CD rates as of September 21, 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: September 21, 2026
Compare Best CD Rates in Vermont
Vermont 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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
3 Months CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
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%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
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%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 0.94% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
3 Month IRA Term Share Certificate
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
3 Month Term Share Certificate
$0
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.69% above avg
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD - 3 Months
$500
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
3 Month Business Certificates
$0
0.75%
▼ 1.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.31% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
90 Day Share Certificates
$0
0.25%
▼ 1.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.81% below avg
Details
Enhanced Loyalty Rewards: up to 2.35%
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
3 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.91% below avg
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
3-Month CD
$0
0.15%
▼ 1.91% below national avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.91% below avg
Details
Vermont 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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: 5.85%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00%
▲ 2.23% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.23% above avg
Details
Must be funded by new money not currently on deposit
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
6 Month HSA Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
6 Month IRA Certificates
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
6 Month Share Certificate
$0
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
6 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.05% above avg
Details
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 national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.93% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
6 Month Certificate
$5
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
6 Month IRA Certificate
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
6 Month Youth Certificate
$5
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2 Park St, Brandon, VT 05733
6-month CD special
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
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.
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2 Park St, Brandon, VT 05733
6-month IRA CD special
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
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 and requires a minimum opening deposit of $1,000. It is also available as a CD.
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 national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
6-Month Fixed
$100
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
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 national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
6 Month Jumbo Certificates of Deposit and IRAs
$100,000
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.58% above avg
Details
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 national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.27% above avg
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).
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
6 Month Business Certificates
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
6 Month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
6 Month Fixed-Rate Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
6 Month IRA Term Share Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
6 Month Term Share Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.23% above avg
Details
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
30 Main St, Middlebury, VT 05753
6-Month Fixed Rate
$0
2.84%
▲ 0.07% above national avg
▼
Rate2.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.07% above avg
Details
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 national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.37% below avg
Details
ORLEX Government Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5043 US Route 5, Newport, VT 05855 4543
6 Month Share Certificates/CD
$0
2.01%
▼ 0.76% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.76% below avg
Details
Minimum balance required
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 national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.77% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 6 months
$0
1.85%
▼ 0.92% below national avg
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.92% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
6 Month Certificate
$0
1.80%
▼ 0.97% below national avg
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.97% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
6 Month CD
$250
1.00%
▼ 1.77% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.77% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
6 Month Certificate
$0
1.00%
▼ 1.77% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.77% below avg
Details
Balance: $250.00 - $9,999.99
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
6 Month Certificate
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.27% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 6 month
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.27% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
6 Month Share Certificates
$0
0.35%
▼ 2.42% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 2.42% below avg
Details
Enhanced Loyalty Rewards: up to 2.45%
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 national avg
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 2.62% below avg
Details
APY 0.15%
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 national avg
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 2.62% below avg
Details
APY 0.15%
Vermont 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
12 Month HSA Certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
12 Month IRA Certificates
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
12 Month Share Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
12 Month Premier Term Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.80% above avg
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
12 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.61% above avg
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
12-Month CD
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.60% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
1 Year Business Certificates
$0
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
1 Year Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
1 Year Fixed-Rate Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
12 Month Certificate
$5
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
12 Month IRA Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
12 Month Youth Certificate
$5
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
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%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.56% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
1 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.56% above avg
Details
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2 Park St, Brandon, VT 05733
12-month CD special
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
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.
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
2 Park St, Brandon, VT 05733
12-month IRA CD special
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
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 and requires a minimum opening deposit of $1,000. It is also available as a CD.
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%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
1-Year Fixed
$100
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
12 Months CD
$0
3.45%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.50% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
12 Month Certificate
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.45% above avg
Details
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%
▲ 0.34% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.34% above avg
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).
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
12 Month IRA Term Share Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
12 Month Term Share Certificate
$0
3.25%
▲ 0.30% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details
ORLEX Government Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
5043 US Route 5, Newport, VT 05855 4543
12 Month Share Certificates/CD
$0
2.50%
▼ 0.45% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.45% below avg
Details
Minimum balance required
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD - 1 Year RGC
$500
2.20%
▼ 0.75% below national avg
▼
Rate2.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.75% below avg
Details
Relationship Gold Checking Account required
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 1 Year
$500
2.15%
▼ 0.80% below national avg
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.80% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 12 months
$0
2.10%
▼ 0.85% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.85% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
12 Month Certificate
$0
2.00%
▼ 0.95% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
Smart Savers 1 Year Term
$0
1.70%
▼ 1.25% below national avg
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.25% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
12 Month CD
$250
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.95% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
12 Month Certificate
$0
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.95% below avg
Details
Balance: $250.00 - $9,999.99
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%
▼ 1.95% below national avg
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 1.95% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
12 Month Certificate
$0
0.60%
▼ 2.35% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.35% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 12 month
$0
0.60%
▼ 2.35% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.35% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
1 Year IRA, Roth IRA Certificates
$0
0.50%
▼ 2.45% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 2.45% below avg
Details
Enhanced Loyalty Rewards: up to 2.60%
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
12 Month Certificate
$0
0.50%
▼ 2.45% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.45% below avg
Details
Balance: $500-$1,999
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 12 month
$0
0.50%
▼ 2.45% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.45% below avg
Details
Balance: $500-$1,999
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
1 Year Share Certificates
$0
0.40%
▼ 2.55% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▼ 2.55% below avg
Details
Enhanced Loyalty Rewards: up to 2.50%
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
12 Month Business Certificates of Deposit
$500
0.25%
▼ 2.70% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 2.70% below avg
Details
APY 0.25%
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
85 Main St, Springfield, VT 05156
12 Month Certificates of Deposit
$500
0.25%
▼ 2.70% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 2.70% below avg
Details
APY 0.25%
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 12 Months
$0
0.10%
▼ 2.85% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.85% below avg
Details
Vermont 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
401 Main St, Bennington, VT 05201
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
401 Main St, Bennington, VT 05201
18-Month M&T Select CD
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.03% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.03% above avg
Details
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
4811 US Route 5, Derby, VT 05855
18 Month Certificate
$0
3.82%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.00% above avg
Details
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.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
18 Months CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
53 Route 2 W, Danville, VT 05828
18-Month CD
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
18 Month HSA Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
18 Month IRA Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
18 Month Share Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.73% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
18 Month Premier Term Share Certificate
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.48% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
18 Month Certificate
$0
3.20%
▲ 0.38% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.38% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
18 Month IRA Term Share Certificate
$0
2.80%
▼ 0.02% below national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.02% below avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
18 Month Term Share Certificate
$0
2.80%
▼ 0.02% below national avg
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.02% below avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
18 Month Certificate
$5
2.75%
▼ 0.07% below national avg
▼
Rate2.72%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.07% below avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
18 Month IRA Certificate
$0
2.75%
▼ 0.07% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.07% below avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
18 Month Youth Certificate
$5
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.07% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 18 months
$0
2.10%
▼ 0.72% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.72% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
18 months (no-penalty)
$0
1.80%
▼ 1.02% below national avg
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.02% below avg
Details
Term: 18 months (no-penalty)
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
18 Month CD
$250
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
18 Month Certificate
$0
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Balance: $250.00 - $9,999.99
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
18 Month IRA, Roth IRA Certificates
$0
0.55%
▼ 2.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 2.27% below avg
Details
Enhanced Loyalty Rewards: up to 2.65%
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
18 Month Share Certificates
$0
0.45%
▼ 2.37% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 2.37% below avg
Details
Enhanced Loyalty Rewards: up to 2.55%
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%
▼ 2.57% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.57% below avg
Details
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%
▼ 2.57% below national avg
▼
Rate0.25%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 2.57% below avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 18 Months
$0
0.20%
▼ 2.62% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.62% below avg
Details
Vermont 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.36% above avg
Details
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%
▲ 1.36% above national avg
▼
Rate4.11%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.36% above avg
Details
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%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.72% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
2 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.72% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
2 Year Business Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
2 Year Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
2 Year Fixed-Rate Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
24 Month HSA Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
24 Month IRA Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
24 Month Share Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
CD 104 week (~2 year)
$250,000
3.41%
▲ 0.57% above national avg
▼
Rate3.35%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.57% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
24 Month Premier Term Share Certificate
$0
3.20%
▲ 0.36% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.36% above avg
Details
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%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
2-Year Fixed IRA Certificate
$100
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
24 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
24 Month Certificate
$5
2.95%
▲ 0.11% above national avg
▼
Rate2.91%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.11% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
24 Month IRA Certificate
$0
2.95%
▲ 0.11% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.11% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
24 Month Youth Certificate
$5
2.95%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.11% above avg
Details
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%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.06% below avg
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).
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
24 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
2.78%
▼ 0.06% below national avg
▼
Rate2.75%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.06% below avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
24 Month IRA Term Share Certificate
$0
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.14% below avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
24 Month Term Share Certificate
$0
2.70%
▼ 0.14% below national avg
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.14% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 24 months
$0
2.15%
▼ 0.69% below national avg
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.69% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
24 Month Certificate
$0
2.05%
▼ 0.79% below national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.79% below avg
Details
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%
▼ 1.64% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.64% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
24 Month CD
$250
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
24 Month Certificate
$0
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Balance: $250.00 - $9,999.99
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
24 Month Certificate
$0
1.00%
▼ 1.84% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 24 month
$0
1.00%
▼ 1.84% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
24 Month Certificate
$0
0.90%
▼ 1.94% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.94% below avg
Details
Balance: $500-$1,999
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 24 month
$0
0.90%
▼ 1.94% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.94% below avg
Details
Balance: $500-$1,999
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
2 Year IRA, Roth IRA Certificates
$0
0.70%
▼ 2.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 2.14% below avg
Details
Enhanced Loyalty Rewards: up to 2.80%
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
4811 US Route 5, Derby, VT 05855
24 Month Youth CD
$0
0.59%
▼ 2.25% below national avg
▼
Rate0.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 2.25% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
2 Year Share Certificates
$0
0.50%
▼ 2.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 2.34% below avg
Details
Enhanced Loyalty Rewards: up to 2.60%
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 2 Years
$500
0.35%
▼ 2.49% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 2.49% below avg
Details
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%
▼ 2.49% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 2.49% below avg
Details
APY 0.35%
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%
▼ 2.49% below national avg
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 2.49% below avg
Details
APY 0.35%
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 24 Months
$0
0.30%
▼ 2.54% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.54% below avg
Details
Vermont 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
3 Year Business Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
3 Year Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
3 Year Fixed-Rate Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details
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%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.85% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
3 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.85% above avg
Details
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%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.85% above avg
Details
IRA accounts not applicable
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
36 Month HSA Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
36 Month IRA Certificates
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
36 Month Share Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
CD 156 week (~3 year)
$250,000
3.46%
▲ 0.70% above national avg
▼
Rate3.40%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.70% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
36 Month Certificate
$5
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
36 Month IRA Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
36 Month Youth Certificate
$5
3.15%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.39% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
36 Month Premier Term Share Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.34% above avg
Details
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%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
3-Year Fixed
$100
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 36 month special
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
36 Month Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
36 Month IRA Term Share Certificate
$0
2.60%
▼ 0.16% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.16% below avg
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
30 Allen St, Rutland, VT 05701
36 Month Term Share Certificate
$0
2.60%
▼ 0.16% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.16% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
36 Month Certificate
$0
2.05%
▼ 0.71% below national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.71% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
3 Year IRA, Roth IRA Certificates
$0
1.40%
▼ 1.36% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.36% below avg
Details
Enhanced Loyalty Rewards: up to 3.50%
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%
▼ 1.51% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 1.51% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
36 Month Certificate
$0
1.20%
▼ 1.56% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.56% below avg
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.85%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 36 month
$0
1.20%
▼ 1.56% below national avg
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.56% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
3 Year Share Certificates
$0
1.05%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 1.71% below avg
Details
Enhanced Loyalty Rewards: up to 3.15%
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
3 Year CD
$250
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.76% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
3 Year Certificate
$0
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.76% below avg
Details
Balance: $250.00 - $9,999.99
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
36 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
0.60%
▼ 2.16% below national avg
▼
Rate0.60%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 2.16% below avg
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 3 Years
$500
0.40%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 2.36% below avg
Details
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%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 2.36% below avg
Details
APY 0.40%
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 36 Months
$0
0.40%
▼ 2.36% below national avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.36% below avg
Details
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%
▼ 2.41% below national avg
▼
Rate0.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 2.41% below avg
Details
APY 0.35%
Vermont 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.89% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
4 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.66%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.89% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
4 Year Business Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
4 Year Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
4 Year Fixed-Rate Certificate
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.88% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
48 Month HSA Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
48 Month IRA Certificates
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
48 Month Share Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
48 Month Certificate
$5
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
48 Month IRA Certificate
$0
3.25%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
48 Month Youth Certificate
$5
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.48% above avg
Details
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%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
4-Year Fixed
$100
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.23% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
48 Month Certificate
$0
3.00%
▲ 0.23% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 48 months
$0
2.20%
▼ 0.57% below national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.57% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
48 Month Certificate
$0
2.10%
▼ 0.67% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.67% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
4 Year IRA, Roth IRA Certificates
$0
1.55%
▼ 1.22% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.22% below avg
Details
Enhanced Loyalty Rewards: up to 3.65%
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
4 Year Share Certificates
$0
1.30%
▼ 1.47% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 1.47% below avg
Details
Enhanced Loyalty Rewards: up to 3.40%
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 48 Months
$0
0.50%
▼ 2.27% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.27% below avg
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 4 Years
$500
0.45%
▼ 2.32% below national avg
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 2.32% below avg
Details
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%
▼ 2.32% below national avg
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 2.32% below avg
Details
APY 0.45%
Vermont 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
At the end of the 8 month term, if no action is taken, the account will automatically renew to a 12 month term.
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%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
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%
▲ 0.91% above national avg
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
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%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.87% above avg
Details
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
20 Main St, Morrisville, VT 05661
5 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.87% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.86% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
5 Year Business Certificates
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
5 Year Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
141 Harvest Ln, Williston, VT 05495 7331
5 Year Fixed-Rate Certificate
$0
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.81% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
60 Month HSA Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
60 Month IRA Certificates
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
69 Swift St, S Burlington, VT 05403
60 Month Share Certificate
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
60 Month Certificate
$5
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
60 Month IRA Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
60 Month Youth Certificate
$5
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
***
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
3.15%
▲ 0.31% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.31% above avg
Details
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%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
155 North St, Bennington, VT 05201
5-Year Fixed IRA Certificate
$100
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
60 Month Certificate
$0
3.00%
▲ 0.16% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
2.95%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.11% above avg
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
84 Pine St, Burlington, VT 05401 4441
Youth Advantage 60 Month Certificate
$5
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.09% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Certificates 60 months
$0
2.20%
▼ 0.64% below national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.64% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
60 Month Certificate
$0
2.10%
▼ 0.74% below national avg
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.74% below avg
Details
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
614 N Hartland Rd, White River Junction, VT 05001 4720
Youth Savers 5 Year Term
$0
2.00%
▼ 0.84% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.84% below avg
Details
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
5 Year IRA, Roth IRA Certificates
$0
1.75%
▼ 1.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.09% below avg
Details
Enhanced Loyalty Rewards: up to 3.85%
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
1680 Shelburne Rd, South Burlington, VT 05403 7718
5 Year Share Certificates
$0
1.40%
▼ 1.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.44% below avg
Details
Enhanced Loyalty Rewards: up to 3.50%
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
215 North St, Bennington, VT 05201
5 Year Certificates of Deposit
$0
1.25%
▼ 1.59% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.59% below avg
Details
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
4811 US Route 5, Derby, VT 05855
60 Month Jumbo CD
$0
1.23%
▼ 1.61% below national avg
▼
Rate1.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.61% below avg
Details
Balance: $100,000 +; Days: 182 - 364
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
4811 US Route 5, Derby, VT 05855
60 Month Regular CD
$0
1.01%
▼ 1.83% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.83% below avg
Details
Balance: $2,500 - $99,999.99; Days: 182 - 364
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
5 Year CD
$250
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
111 Main St, Burlington, VT 05401
5 Year Certificate
$0
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 1.84% below avg
Details
Balance: $250.00 - $9,999.99
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
34 Main St N, Wells River, VT 05081
60 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments
$200
0.60%
▼ 2.24% below national avg
▼
Rate0.60%
Min Deposit$200
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 2.24% below avg
Details
Green Mountain Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.98%
1250 Shelburne Rd, South Burlington, VT 05403 7783
Social Share Certificates - 60 Months
$0
0.60%
▼ 2.24% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.24% below avg
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
270 River St, Springfield, VT 05156
CD/IRA - 5 Years
$500
0.55%
▼ 2.29% below national avg
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 2.29% below avg
Details
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%
▼ 2.34% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 2.34% below avg
Details
APY 0.50%
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%
▼ 2.34% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 2.34% below avg
Details
APY 0.50%
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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.
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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.
12-Month CD VT Avg
2.952%
▲ 0.030 vs 7 days ago
Vermont 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD VT Avg
2.767%
▲ 0.021 vs 7 days ago
Vermont 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
VT CD Rate Forecast, Next 12 Months
Where are Vermont CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
VT 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | VT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
229
CD Rates
Tracked in Vermont
Tracked in Vermont
14 Banks
8 Credit Unions
About Our Vermont CD Rate Database
MonitorBankRates tracks 229 CD rates from 14 banks and 8 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 (1–5), 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 8 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: 22 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
$136/yr
At VT 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,594/year) and putting it in a CD would earn an additional $136 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 (90–180 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, Vermont Federal Credit Union is offering its Youth Advantage 60 Month Certificate at 4.00% 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)
- Mascoma Bank: 4.00% APY (12-Month CD/IRA Special)
- Vermont Federal Credit Union: 4.00% APY (Youth Advantage 60 Month Certificate)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- North Country Federal Credit Union: 3.85% APY (12 Month HSA Certificates)
- Community National Bank (VT): 3.82% APY (18 Month Certificate)
- Wells River Savings Bank: 3.82% APY (6 Month Certificates of Deposit (CD) Includes Individual Retirement Accounts (IRA)and CDARS Investments)
- Heritage Family Federal Credit Union: 3.75% APY (12 Month Premier Term Share Certificate)
- Union Bank Morrisville, VT: 3.71% APY (5 Year Certificate)
Rates reflect recent verified offers available in Vermont. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderVT CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Vermont CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsVermont’s average 12-month CD is 2.952% 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: September 21, 2026
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