MonitorBankRates
☰
Home › Checking Accounts › Vermont Checking › Waitsfield, Vermont iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Waitsfield, Vermont - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • 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.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 4, 2026

The best checking rates for Waitsfield, Vermont include Northfield Savings BankNorthfield Savings Bank200 Mad River Park, Waitsfield, VT 05673A+5.0 ★Texas Ratio: 4.01% IOLTA Checking at 1.05% APY, Brattleboro S&LBrattleboro S&LA+5.0 ★Texas Ratio: 0.20% Local Rewards Checking at 3.25% APY, Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.42% Reward Checking at 1.26% APY, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% Home Town Investment Checking at 1.00% APY, and Claremont Savings BankClaremont Savings BankA+5.0 ★Texas Ratio: 3.43% Performance Checking at 1.00% APY. Checking account rates as of April 4, 2026 according to verified data from MonitorBankRates.

Waitsfield has 1 local institution in our database, with checking rates as high as 1.05% APY from Northfield Savings Bank at 200 Mad River Park, Waitsfield, VT, 05673. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Waitsfield, Vermont. Checking Account Rates Last Updated and Verified: April 4, 2026

Compare Checking Account Rates Today in Waitsfield, Vermont & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
IOLTA Checking
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
IORTA Checking
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.50%
$10
View
▼
Rate0.50%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.50%
$10
View
▼
Rate0.50%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.40%
$10
View
▼
Rate0.40%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.40%
$10
View
▼
Rate0.40%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
NSB Preferred Checking
0.35%
$10
View
▼
Rate0.35%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
NSB Preferred Checking
0.30%
$10
View
▼
Rate0.30%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.30%
$10
View
▼
Rate0.30%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.30%
$10
View
▼
Rate0.30%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
NSB Preferred Checking
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
NSB Preferred Checking
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Brattleboro S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Local Rewards Checking
3.25%
$500
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $24,999.99

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $25,000.00

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Claremont Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Performance Checking
1.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Earn 1.00% APY Cash Back on debit card purchases up to a maximum of $10 when you spend a minimum of $500 with your debit card each month.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
IOLTA Checking
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
IORTA Checking
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.50%
$10
View
▼
Rate0.50%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.50%
$10
View
▼
Rate0.50%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.40%
$10
View
▼
Rate0.40%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.40%
$10
View
▼
Rate0.40%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.30%
$10
View
▼
Rate0.30%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.30%
$10
View
▼
Rate0.30%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.25%
$10
View
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Enterprise Checking with Interest
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Northfield Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
200 Mad River Park
Waitsfield, VT 05673
Government Checking with Interest
0.15%
$10
View
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Brattleboro S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Local Rewards Checking
3.25%
$500
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $24,999.99

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $25,000.00

Claremont Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Performance Checking
1.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Earn 1.00% APY Cash Back on debit card purchases up to a maximum of $10 when you spend a minimum of $500 with your debit card each month.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Investment Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

NBT Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Classic Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Tier 1 - Average daily balance $100 < $2,500

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Brattleboro S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Local Rewards Checking
3.25%
$500
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $24,999.99

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

Qualifying balance up to $25,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Brattleboro S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Basic Checking Account
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Basic Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Home Town Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Student Checking, Fresh Start Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.42%
Business Share Draft Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

No additional details provided.

North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Waitsfield, VT Checking Rate Trends

Compare local Waitsfield, VT checking rate quotes against the statewide average

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

View Full Vermont Checking Trends →
High-Yield Checking — VT Avg
3.289%
▲ 3.086 vs 7 days ago

Vermont high-yield checking rates rose 3.086 points over the past 7 days to 3.289% APY.

Free Checking — VT Avg
0.405%
▲ 0.112 vs 7 days ago

Vermont free checking rates rose 0.112 points over the past 7 days to 0.405% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Waitsfield, Vermont directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Waitsfield, Vermont. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in VT.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Waitsfield, Vermont earn interest?

Most traditional local checking accounts in Waitsfield, Vermont earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Waitsfield, Vermont FDIC insured?

Yes. Legitimate banks with branches in Waitsfield, Vermont are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Waitsfield, Vermont

Based on our current data, some of the highest checking account APYs available to residents of Waitsfield, Vermont include:
  • Northfield Savings Bank
    IOLTA Checking — 1.05% APY
  • Brattleboro S&L
    Local Rewards Checking — 3.25% APY
  • Vermont Federal Credit Union
    Reward Checking — 1.26% APY
  • TrustCo Bank
    Home Town Investment Checking — 1.00% APY
  • Claremont Savings Bank
    Performance Checking — 1.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waitsfield, Vermont. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 4, 2026

Waitsfield, Vermont Rates & Resources

$
Waitsfield, Vermont CD Rates
$
Waitsfield, Vermont Savings Rates
$
Waitsfield, Vermont Money Market Rates
$
Waitsfield, Vermont Mortgage Rates
$
Waitsfield, Vermont Auto Loan Rates
$
Waitsfield, Vermont Personal Loan Rates