CD Rates Bristol, Vermont (VT) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bristol, Vermont CD rates include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CUA5.0 ★Texas Ratio: 8.83%Real return: +2.20%APY minus CPI (February 2026) offering New 6 month CD Special at 5.00% APY, Heritage Family Federal Credit UnionHeritage Family Federal Credit UnionA+5.0 ★Texas Ratio: 3.44%Real return: +1.20%APY minus CPI (February 2026) offering Premier Term Share Certificate 12 Month at 4.00% APY, The Bank of BenningtonThe Bank of BenningtonA+5.0 ★Texas Ratio: 2.81%Real return: +0.95%APY minus CPI (February 2026) offering 5 year CD at 3.75% APY, Passumpsic Savings BankPassumpsic Savings BankA5.0 ★Texas Ratio: 12.48%Real return: +0.90%APY minus CPI (February 2026) offering 6-Month CD at 3.70% APY, and Peoples Trust Co. of St. AlbansPeoples Trust Co. of St. AlbansA+5.0 ★Texas Ratio: 3.62%Real return: +0.70%APY minus CPI (February 2026) offering 3 Month Certificate of Deposit at 3.50% APY. CD rates as of April 13, 2026 according to verified data from MonitorBankRates.
Bristol is a smaller community with no bank or credit union branches currently in our database. 48 institutions serving the Vermont area are available to Bristol residents, with CD rates as high as 5.00% APY from Central Vermont Medical Centerinc CU. Rates are continually updated — 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: April 13, 2026
Compare Best CD Rates in Bristol, Vermont & the Surrounding Area
Must be funded by new money not currently on deposit
Relationship APY
Relationship APY
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Bristol, VT CD Rate Trends
Compare local Bristol, VT 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.
Vermont 12-month CD rates currently average 2.453% APY based on data from institutions in our monitoring network.
Vermont 6-month CD rates currently average 2.719% APY based on data from institutions in our monitoring network.
VT CD Rate Forecast — Next 12 Months
Where are Vermont CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at VT CD Rates Today
Annual interest earnings at today’s Vermont average APYs. State average used where available; national average as fallback.
| CD Term | VT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.855% | $92.73 | $185.46 | $463.65 | $927.30 |
| 6-Month CD | 2.719% | $135.95 | $271.89 | $679.73 | $1,359.45 |
| 12-Month CD | 2.453% | $122.67 | $245.34 | $613.35 | $1,226.70 |
| 18-Month CD | 2.649% | $132.46 | $264.92 | $662.30 | $1,324.60 |
| 24-Month CD | 2.608% | $130.38 | $260.76 | $651.90 | $1,303.80 |
| 36-Month CD | 2.497% | $124.86 | $249.71 | $624.28 | $1,248.55 |
| 48-Month CD | 2.681% | $134.05 | $268.10 | $670.25 | $1,340.50 |
| 60-Month CD | 2.403% | $120.13 | $240.26 | $600.65 | $1,201.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 13, 2026. | |||||
Sample CD Ladder for Bristol, 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 | 1.855% | $92.73 |
| 2 | 6-Month CD | $5,000 | 2.719% | $135.95 |
| 3 | 12-Month CD | $5,000 | 2.453% | $122.67 |
| 4 | 24-Month CD | $5,000 | 2.608% | $130.38 |
| 5 | 36-Month CD | $5,000 | 2.497% | $124.86 |
| Total ($25,000 invested) | $25,000 | 2.426% blended | $606.59/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.
in Bristol, Vermont
About Our Bristol, Vermont CD Rate Database
MonitorBankRates tracks CD rates from 8 banks and 4 credit unions with locations in Bristol, 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 Bristol, Vermont.
How to Find the Best CD Rates in Bristol, Vermont
What to compare when shopping for a CD in Bristol, Vermont
To find the best APYs in Bristol, Vermont, start with credit unions and online-only banks — Bristol, Vermont has 4 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 Bristol, 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 Bristol, Vermont — 12 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Bristol, Vermont savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Bristol, Vermont money market rates
Bristol, Vermont Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
27.1% 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 2.7% reflects a strong local economy. At today’s VT 12-month CD average of 2.453%, saving 10% of the local median salary ($4,810/year) and putting it in a CD would earn an additional $118 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 Bristol, 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 |
Frequently Asked Questions about CD Rates in Bristol, Vermont
Are CD rates in Bristol, Vermont FDIC insured?
Do I have to pay state taxes on CD interest in Bristol, Vermont?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Bristol, Vermont?
- Central Vermont Medical Centerinc CU: 5.00% APY (New 6 month CD Special)
- Heritage Family Federal Credit Union: 4.00% APY (Premier Term Share Certificate 12 Month)
- The Bank of Bennington: 3.75% APY (5 year CD)
- Passumpsic Savings Bank: 3.70% APY (6-Month CD)
- Peoples Trust Co. of St. Albans: 3.50% APY (3 Month Certificate of Deposit)
- Tri State Area Federal Credit Union: 3.50% APY (12 Month Certificate)
- Vermont Federal Credit Union: 3.50% APY (60 mo Term Share Certificate)
- Union Bank Morrisville, VT: 3.41% APY (5 year Certificates of Deposit and IRAs)
- Northfield Savings Bank: 3.15% APY (24 Month CD)
- Mascoma Bank: 3.10% APY (12-Month CD/IRA Special)
CD Calculators for Bristol, Vermont
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.
Bristol, Vermont CD LadderVT CD rates currently range from 1.855% (3-month) to 2.497% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bristol, 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 2.453% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bristol, 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 pulling data straight 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 Bristol, 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.
