Saint Johnsbury, Vermont (VT) Savings Rates - March 2026
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The savings 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.
The best savings rates for Saint Johnsbury, Vermont and the surrounding area include Passumpsic Savings BankPassumpsic Savings Bank497 Railroad St, Saint Johnsbury, VT 05819A5.0 ★Texas Ratio: 12.48% Health Savings Account at 0.15% APY, Union Bank Morrisville, VTUnion Bank Morrisville, VT364 Railroad Street, Saint Johnsbury, VT 05819A+5.0 ★Texas Ratio: 3.26% Statement Savings at 0.10% APY, Community National Bank (VT)Community National Bank (VT)857 Memorial Dr, Saint Johnsbury, VT 05819A5.0 ★Texas Ratio: 9.07% Community Savings at 0.05% APY, Vermont Federal Credit UnionVermont Federal Credit Union84 Pine St, Burlington, VT 05401 4441A+5.0 ★Texas Ratio: 3.42% Special High Yield Savings Account at 4.00% APY, and Mascoma BankMascoma Bank270 River St, Springfield, VT 05156A+5.0 ★Texas Ratio: 0.52% Build Savings - Tier 1 at 3.35% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Saint Johnsbury, Vermont, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Saint Johnsbury, Vermont (VT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Saint Johnsbury, Vermont and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Saint Johnsbury, Vermont & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
Health Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
364 Railroad Street, Saint Johnsbury, VT 05819
Statement Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
IRA/SEP Savings-Variable Rate
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
Statement Savings
0.08%
$50
▼
Rate0.08%
Min Deposit$50
Min Balance—
UpdatedMar 28, 2026
Details
Variable Rate
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
Youth Statement Savings
0.08%
$1
▼
Rate0.08%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Variable Rate
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 9.07%
857 Memorial Dr, Saint Johnsbury, VT 05819
Community Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
364 Railroad Street, Saint Johnsbury, VT 05819
Save for Success Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
364 Railroad Street, Saint Johnsbury, VT 05819
Statement Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
497 Railroad St, Saint Johnsbury, VT 05819
Health Savings Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Variable Rate
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
364 Railroad Street, Saint Johnsbury, VT 05819
Statement Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
Special High Yield Savings Account
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Limited time offer. Restrictions apply.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
High Yield Savings - Limited Time Special Rate **
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
up to $5,000; Qualifying balance up to $5,000.00
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
High Yield Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
Build Savings - Tier 1
3.35%
$5
▼
Rate3.30%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
ELEVATE 1 MMA - Tier 3
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$500,000+
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$100,000-$499,999
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$50,000-$99,999
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Money Market Savings Account
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Flex Savings Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
ELEVATE 1 MMA - Tier 2
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Money Market Savings Account
1.70%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Money Market Savings Account
1.55%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$25,000-$49,999
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
1.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$10,000-$24,999
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Money Market Savings Account
1.30%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Credit Union of Vermont Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
2 S Main St, Rutland, VT 05701 4262
Savings
1.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$2,000-$9,999
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
IRA SHARES
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT 05201
Home Town Savings
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT 05201
Home Town Savings
0.91%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT 05201
Home Town Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
ELEVATE 1 MMA - Tier 1
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT 05201
Home Town Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
614 N Hartland Rd, White River Junction, VT 05001 4720
IRA Shares
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Money Market Savings
0.60%
$10
▼
Rate0.60%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Government Savings
0.60%
$10
▼
Rate0.60%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Business Savings Account
0.60%
$10
▼
Rate0.60%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
155 North St, Bennington, VT 05201
Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
155 North St, Bennington, VT 05201
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
34 Main St N, Wells River, VT 05081
Health Savings Account(HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Government Savings
0.45%
$10
▼
Rate0.45%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Money Market Savings
0.45%
$10
▼
Rate0.45%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
33 S Main St, Northfield, VT 05663
Business Savings Account
0.45%
$10
▼
Rate0.45%
Min Deposit$10
Min Balance—
UpdatedMar 28, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 North St, Bennington, VT 05201
Home Town Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
614 N Hartland Rd, White River Junction, VT 05001 4720
Regular Shares
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Primary Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
IRA Shares/Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Share Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Special Purpose Savings Accounts (Holiday, Vacation, Fuel, Tax, etc.)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT 05403
Health Savings Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT 05403
Other Savings Accounts
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
69 Swift St, S Burlington, VT 05403
Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Non-Profit Share Draft Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Saint Johnsbury, VT Savings Rate Trends
Compare local Saint Johnsbury, VT savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — VT Avg
4.000%
▲ 2.736 from last week
Vermont high-yield savings rates rose 2.736 points this week to 4.000% APY, up from 1.264% last week.
Standard Savings — VT Avg
0.175%
Unchanged from last week
Vermont standard savings rates currently average 0.175% APY based on data from institutions in our monitoring network.
As of Mar 29, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Saint Johnsbury, Vermont directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Saint Johnsbury, Vermont. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in VT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Saint Johnsbury, Vermont
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Vermont, help your money grow faster through a higher APY.
Are savings accounts in Saint Johnsbury, Vermont safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Vermont up to $250,000 per depositor, per institution.
How often do savings rates change in Saint Johnsbury, Vermont?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Vermont rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Saint Johnsbury, Vermont may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Saint Johnsbury, Vermont?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Saint Johnsbury, Vermont offer in-person customer service, which some customers prefer.
How do I open a savings account in Saint Johnsbury, Vermont?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Saint Johnsbury, Vermont
Here are recent savings rates observed in Saint Johnsbury, Vermont and the surrounding area:
- Passumpsic Savings Bank
Health Savings Account — 0.15% APY - Union Bank Morrisville, VT
Statement Savings — 0.10% APY - Community National Bank (VT)
Community Savings — 0.05% APY - Vermont Federal Credit Union
Special High Yield Savings Account — 4.00% APY - Mascoma Bank
Build Savings - Tier 1 — 3.35% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Saint Johnsbury, Vermont. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
