Rates

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(As of 7/27/2015 )

Share Savings

Share Draft Checking

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 7/27/2015 )

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 will have an additional 1% added to the interest rate. Rates are quoted "as low as" and are subject to an evaluation of your credit. 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 3.00% would calculate to a monthly payment of $359.37.

An example of a Boat/RV/ATV/Snowmobile/Watercraft loan repayment schedule for $20,000 over the course of 72 months at an interest rate of 3.99% would calculate to a monthly payment of $312.81.

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.

****The "as low as" interest rate of 2.49% may vary and is subject to an evaluation of your credit. All rates quotes are subject to change monthly. Rate is valid on all new home equity lines of credit for 24 months from the date of closing. After 24 months, rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal and is equal to Prime minus 0.50% with a floor of 3.50% APR. For new lines of credit the Credit Union pays up to $300 of closing costs. Costs range from $245 to $700 depending on the need for an appraisal. Additionally, members may be required to pay for title examination. Other rates and terms are available. Current members with an existing line of credit must refinance and are subject to refinancing fees. Must be a member of the Credit Union to obtain a loan.

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 $50,000 over the course of 10 years at an APR of 2.774% would calculate to a monthly payment of $477.06. For the Mini Mortgage loan, risk based pricing applies. 10 Year rate with decline of 0.13% 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.

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 7/27/2015 )

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 7/31/2015 )

 

 

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 laon 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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