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Best Personal Loan Rates in Rutland, Vermont (VT) - April 2026

Current personal loan options available to borrowers in Rutland, Vermont include: Community BankCommunity Bank92 Woodstock Ave, Rutland, VT, 05701A+5.0 ★Texas Ratio: 3.23% offering Unsecured Personal loan at 7.89% APR, Green Mountain Credit UnionGreen Mountain Credit Union3141 Cold River Rd, Rutland, VT, 05701 4743C4.0 ★Texas Ratio: 27.55% offering Tax Loans (tax payment/real estate) at 7.99% APR, Credit Union of Vermont Credit UnionCredit Union of Vermont Credit Union2 S Main St, Rutland, VT, 05701 4262A+5.0 ★Texas Ratio: 0.16% offering Other Loan Options at 9.50% APR, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 3.16% offering Passbook Loan at 4.00% APR, and Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.42% offering Consumer Loans at 4.40% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Rutland has 3 local institutions in our database, with personal loan rates as low as 7.89% APR from Community Bank at 92 Woodstock Ave, Rutland, VT, 05701. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Rutland, Vermont.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rutland, Vermont. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 19, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
92 Woodstock Ave, Rutland, VT, 05701
Unsecured Personal loan
7.89%
APR7.89%
Last UpdatedApril 22, 2026
Details

FIXED APR WITH AUTO PAY

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
3141 Cold River Rd, Rutland, VT, 05701 4743
Tax Loans (tax payment/real estate)
7.99%
APR7.99%
Last UpdatedApril 22, 2026
Details

No additional details available.

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Other Loan Options
9.50%
APR9.50%
Last UpdatedApril 22, 2026
Details

As Low As

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
3141 Cold River Rd, Rutland, VT, 05701 4743
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedApril 22, 2026
Details

No additional details available.

Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
3141 Cold River Rd, Rutland, VT, 05701 4743
Signature Loan
10.50%
APR10.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT, 05701 4262
Other Loan Options
10.75%
APR10.75%
Last UpdatedApril 22, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Passbook Loan
4.00%
APR4.00%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.40%
APR4.40%
Last UpdatedApril 22, 2026
Details

Up to 10 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.55%
APR4.55%
Last UpdatedApril 22, 2026
Details

Up to 10 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
4.85%
APR4.85%
Last UpdatedApril 22, 2026
Details

Up to 5 model years old

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
5.00%
APR5.00%
Last UpdatedApril 22, 2026
Details

Up to 4 model years old

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Credit builder Personal Loan
5.50%
APR5.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
5.50%
APR5.50%
Last UpdatedApril 22, 2026
Details

Up to 3 model years old ((Minimum $15K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Solar Loan
5.90%
APR5.90%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
6.00%
APR6.00%
Last UpdatedApril 22, 2026
Details

Up to 2 model years old (Minimum $25K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Credit Builder Loan
6.00%
APR6.00%
Last UpdatedApril 22, 2026
Details

No additional details available.

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Energy Improvement Personal Loan
6.75%
APR6.75%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Solar Loan
6.90%
APR6.90%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Consumer Loans
7.24%
APR7.24%
Last UpdatedApril 22, 2026
Details

New Only (Min $35K)

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
10 Year Fixed Land Loan
7.37%
APR7.37%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
7.84%
APR7.84%
Last UpdatedApril 22, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
8.09%
APR8.09%
Last UpdatedApril 22, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
8.59%
APR8.59%
Last UpdatedApril 22, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Heating Fuel loan
8.90%
APR8.90%
Last UpdatedApril 22, 2026
Details

As Low As

Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
PERSONAL/SIGNATURE
9.00%
APR9.00%
Last UpdatedApril 22, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Loan
9.09%
APR9.09%
Last UpdatedApril 22, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Property Tax Loan
9.99%
APR9.99%
Last UpdatedApril 22, 2026
Details

No additional details available.

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal/Signature
10.74%
APR10.74%
Last UpdatedApril 22, 2026
Details

As Low As

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedApril 22, 2026
Details

No additional details available.

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Signature loan
10.94%
APR10.94%
Last UpdatedApril 22, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedApril 22, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
92 Woodstock Ave, Rutland, VT, 05701
Unsecured Personal loan
7.89%
APR7.89%
Last UpdatedApril 22, 2026
Details

FIXED APR WITH AUTO PAY

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Credit builder Personal Loan
5.50%
APR5.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Energy Improvement Personal Loan
6.75%
APR6.75%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (0-12 Month Term)
7.50%
APR7.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (13-36 Month Term)
9.50%
APR9.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Personal Loan (37-60 Month Term)
10.75%
APR10.75%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
11.50%
APR11.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Personal Loan Unsecured
12.50%
APR12.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
Unsecured Personal Loan
16.00%
APR16.00%
Last UpdatedApril 22, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
3141 Cold River Rd, Rutland, VT, 05701 4743
Debt Consolidation Loans
10.49%
APR10.49%
Last UpdatedApril 22, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Debt Consolidation Loan
14.50%
APR14.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Green Mountain Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.55%
3141 Cold River Rd, Rutland, VT, 05701 4743
Signature Loan
10.50%
APR10.50%
Last UpdatedApril 22, 2026
Details

No additional details available.

Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
PERSONAL/SIGNATURE
9.00%
APR9.00%
Last UpdatedApril 22, 2026
Details

As Low As

802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
Personal/Signature
10.74%
APR10.74%
Last UpdatedApril 22, 2026
Details

As Low As

North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Signature loan
10.94%
APR10.94%
Last UpdatedApril 22, 2026
Details

As Low As

No home improvement personal loan rates found in Rutland, VT currently.

Rutland, VT Personal Loan Rate Trends

Compare local Rutland, VT personal loan rates against the statewide average

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

View Full Vermont Personal Loan Trends →
Personal Loan — VT Avg
8.370%
▼ 0.260 vs 7 days ago

Vermont personal loan rates fell 0.260 points over the past 7 days to 8.370% APR.

Signature Loan — VT Avg
11.243%
▲ 0.149 vs 7 days ago

Vermont signature loan rates rose 0.149 points over the past 7 days to 11.243% APR.

As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

What credit score do I need for a personal loan in Vermont?

Most lenders in Rutland, Vermont require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Vermont often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Rutland, Vermont require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Vermont?

Yes. Debt consolidation is one of the most common uses of personal loans in Rutland, Vermont. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Rutland, Vermont?

Credit unions in Rutland, Vermont often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Rutland, Vermont?

  • Community Bank: 7.89% (Unsecured Personal loan)
  • Green Mountain Credit Union: 7.99% (Tax Loans (tax payment/real estate))
  • Credit Union of Vermont Credit Union: 9.50% (Other Loan Options)
  • TrustCo Bank: 4.00% (Passbook Loan)
  • Vermont Federal Credit Union: 4.40% (Consumer Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rutland, Vermont. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.