Rates

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(As of 4/24/2017)

Share Savings

Share Draft and ReWARD Checking

*2.25% Annual Percentage Yield (APY) paid on balances between $0.01 and $25,000 and 0.55% APY paid on any amount above $25,000 each qualification cycle when the minimum requirements are met. Qualifications for monthly bonus rates include: receive monthly e-Statement, login to Online Banking, at least 1 payment or 1 direct deposit posts and clears and 12 or more debit card transactions poster and clear. If you do not meet the requirements per cycle, your ReWARD Checking account will earn the base rate 0.10%APY. $25 Share Deposit required for Credit Union membership, though no minimum balance necessary to earn rewards. Available for personal accounts only. The daily method is utilized to determine which rate will be applied. Dividends are compounded daily. Dividends will be credited to your account on the last day of each monthly statement cycle. If you close your account before dividends are credited, you will not receive the accrued dividend. Rates are subject to change without notice.  

Money Market Accounts

Term Share Certificates

*Valid for youth ages 0-18. Term Share Certificate must be in youths' names. Early withdrawal penalty will apply. Additional deposits can be made at any time throughout the term with no minimum. $50 Minimum balance to open.

Renew your maturing Term Share Certificate or IRA Certificate with a longer term (add at least six additional months to our available terms) and we will add .10% APR! This renewal bonus cannot be used for any other term share certificate or combined with any other renewal coupons and does not apply to current 60-month term certificates/IRAs or promotional rates. This offer expires 10 calendar days after the term share certificate maturity date. All rates are subject to change without notice. Fees could reduce earnings on the account.

IRA Certificates

All deposit rates on this page are subject to change without notice. All Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. Fees could reduce earnings on the account. Rates are the same for certificates in Traditional & Roth IRAs. Coverdell ESAs are available in 18 and 60 month terms only. $500 Minimum balance required on all certificates except the Youth Advantage Certificate. Ask a Member Service Representative at (888) 252-0202, Option 3, for the latest information about fees and terms applicable to the advertised accounts.

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(As of 4/24/2017)

New & Used Car 

(We finance up to 125% of Purchase Price Excluding Tax, Title & Registration)

*APR stands for "Annual Percentage Rate." Rates quoted include a 0.25% discount for auto payment. Used vehicles more than 10 years old may not qualify for these rates. Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Your rate may vary from the rates indicated above. Terms may be limited based on credit and collateral. (Maximum terms for ATV's, snowmobiles and watercraft are 60 months.) Other terms for RV loans may be available. Rates are subject to change without notice. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2, for the latest information.

An example of an Auto Loan repayment schedule for $20,000 over the course of 60 months at an interest rate of 2.90% would calculate to a monthly payment of $358.48.

An example of a Boat/RV loan repayment schedule for $20,000 over the course of 72 months at an interest rate of 3.45% would calculate to a monthly payment of $307.92.

Home Equity Loans

± Based on current tax assessment

£ Based on current appraisal

*All rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from the rates indicated above.

**Rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal and is equal to Prime Rate minus 0.50% with a floor of 3.50% APR. Other rates and terms are available. Rates are subject to change without notice.  All rates quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from those listed above. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information.

***Rates apply to new Home Equity Lines of Credit as of May 1, 2015. Rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal and is equal to Prime Rate plus 1.50% with a floor of 4.00% APR. Other rates and terms are available. Rates are subject to change without notice. All rates quotes "as low as" and are subject to an evaluation of your credit. Rates may vary from those listed above. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information.

****Limited Time Introductory Rate is fixed for one year from date of closing.

An example Fixed Rate Home Equity Loan repayment schedule for $50,000 over the course of 60 months at an Annual Percentage Rate (APR) of 2.949% would calculate to a monthly payment of $896.21.

An example Mini Mortgage Loan repayment schedule for $10,000 over the course of 10 years at an APR of 2.8255% would calculate to a monthly payment of $95.87. For the Mini Mortgage loan, risk based pricing applies. 10 Year rate with decline of 0.125% with each 1 year decline in term opted for. Minimum loan amount of $5,000.

 

Other Loans

*All rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from the rates indicated above. Rates are subject to change without notice. APR = Annual Percentage Rate. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information.

**Minimum loan amount is $1,000. Maximum loan amount is $50,000.

***Variable rate based upon PRIME; adjusted quarterly. The rate is adjustable based on PRIME with a 6% floor.

****Minimum loan amount is $5,000. Maximum loan amount is $10,000.

*****Minimum loan amount is $2,500.

******Minimum loan amount is $500. Maximum loan amount is $5,000.

*******12 month term.

An example of a Lifestyle Loan repayment schedule for $10,000 over the course of five years at an interest rate of 6.99% would calculate to a monthly payment of $198.58.

Credit Cards

*For all consumer Loan rates, the Annual Percentage Rate (APR) may vary after the account is opened. All rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from the rates indicated above. Rates are subject to change without notice. Must be a member of the Credit Union to open an account. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information.

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(As of 4/24/2017)

Business Share Draft Checking

Business Savings

Business Money Market

Business Credit Card

All rates on this page are subject to change without notice. Restrictions may apply. Must be a member to open an account. Contact Vermont Federal Credit Union at (888) 252-0202, Option 2 for the latest information or for business loan rates.

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(As of 04/26/2017)

 

 

Payment per $1,000 does not include taxes and insurance. If an escrow account is required, payment will be higher. All loans subject to approval and are based on creditworthiness.

Rates can vary according to individual loan factors including; Loan to Value Ratio, Credit Score, Property Type and Occupancy Rates based on 45 day rate lock and are subject to change at any time prior to commitment

Credit Union Membership is required to obtain a mortgage loan.

*Margin is a component of pricing and is subject to change. Caps shown are first adjustment/life of loan adjustment.

 

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