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(As of 3/20/2023)
Share Type | Dividend Rate | Annual Percentage Yield |
---|---|---|
Shares | 0.10% | 0.10% |
Business Savings | 0.10% | 0.10% |
Special Accounts | 0.10% | 0.10% |
Vacation Club Account | 0.10% | 0.10% |
Holiday Savings | 0.10% | 0.10% |
IRA (Accumulator) Share Account | 0.10% | 0.10% |
Share Type | Dividend Rate | Annual Percentage Yield |
---|---|---|
Share Draft Checking | 0.00% | 0.00% |
Estate Share Draft Checking | 0.00% | 0.00% |
Student Checking, Fresh Start Checking | 0.00% | 0.00% |
HSA Checking | 0.00% | 0.00% |
Business Share Draft Checking | 0.00% | 0.00% |
Reward Checking $0-$25k (Requirements Met) |
1.25% | 1.26%* |
Reward Checking > $25k (Requirements Met) |
0.25% | 0.25%* |
Reward Checking (all $) (Requirements Not Met) |
0.00% | 0.00%* |
Balance | Dividend Rate | Annual Percentage Yield |
---|---|---|
Balance under $2,000 | 0.10% | 0.10% |
Balance $2,000-$9,999 | 0.75% | 0.75% |
Balance $10,000-$24,999 | 1.15% | 1.16% |
Balance $25,000-$49,999 | 1.30% | 1.31% |
Balance $50,000-$99,999 | 1.50% | 1.51% |
Balance $100,000-$499,999 | 1.70% | 1.71% |
Balance $500,000+ | 1.75% | 1.76% |
Account Name | Minimum Balance | Dividend Rate | Annual Percentage Yield |
---|---|---|---|
6 Month Certificate | $500 | 1.00% | 1.00% |
12 Month Certificate | $500 | 1.25% | 1.26% |
15 Month Flex Certificate** Not Currently Offered | $500 | 3.00% | 3.04% |
16 Month Certificate |
$500 | 4.25% | 4.33% |
18 Month Certificate | $500 | 1.25% | 1.26% |
24 Month Certificate | $500 | 1.30% | 1.31% |
25 Month Variable Rate Certificate-Limited Time Offer |
$500 | 5.00% | 5.12% |
36 Month Certificate | $500 | 1.35% | 1.36% |
48 Month Certificate | $500 | 1.40% | 1.41% |
60 Month Certificate | $500 | 1.45% | 1.46% |
Youth Advantage 60 Month Certificate*** | $5 | 1.45% | 1.46% |
Account Name | Minimum Balance | Dividend Rate | Annual Percentage Yield |
---|---|---|---|
IRA Share Account | $0 | 0.10% | 0.10% |
6 Month IRA Certificate | $500 | 1.00% | 1.00% |
12 Month IRA Certificate | $500 | 1.25% | 1.26% |
15 Month IRA Flex Certificate** - Not Currently Offered | $500 | 3.00% | 3.04% |
16 Month IRA Certificate - Limited Time Offer | $500 | 4.25% | 4.33% |
18 Month IRA Certificate | $500 | 1.25% | 1.26% |
24 Month IRA Certificate | $500 | 1.30% | 1.31% |
25 Month Variable Rate IRA Certificate - Limited Time Offer |
$500 | 5.00% | 5.12% |
36 Month IRA Certificate | $500 | 1.35% | 1.36% |
48 Month IRA Certificate | $500 | 1.40% | 1.41% |
60 Month IRA Certificate | $500 | 1.45% | 1.46% |
* All Rates on this page are subject to change at any time without notice. Fees could reduce earnings on the account. $500 minimum balance required on all certificates except the Youth Advantage Certificate. Rates are the same for certificates in Traditional & Roth IRA's. Ask a Member Service Representative for further information about fees & terms applicable to the advertised accounts.
** Flex Certificate is listed for rate information only; not available as a new certificate. Rate will be applied only to existing Flex Certificates using one-time option to increase rate during the term. The new rate will be applied for the remainder of the term. Automatic roll-over at maturity to 18 month CD at the current rate.
***Valid for youth ages 0-18. Term Share Certificate must be in youth's name. Early withdrawal penalty will apply. $5 minimum balance to open. Additional deposits can be made at anytime throughout the term with no minimum.
**** Renew your maturing Term Share Certificate or IRA Certificate with a longer term (at least 6 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 certificate maturity date.
***** 1.26% Annual Percentage Yield (APY) paid on balances between $0.01 and $25,000 and 0.25% 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 0.00% APY. $5 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.
******APY = Annual Percentage Yield. Early withdrawal penalty will apply. Fees could reduce earnings on account. Minimum balance to open is $500. At the end of the 25 month term, if no action is taken, the account would roll into the 36 month term share certificate with applicable market rates at that time. Must be a member of the Credit Union to open a share certificate. Must be a new member to qualify for bonus cash. Bonus cash deposited to share certificate the business day following account opening. The APY disclosed is accurate as of March 6, 2023. The dividend rate and annual percentage yield may change on the first calendar day of the month based on changes in the Prime Rate as published on the Wall Street Journal’s website (https://www.wsj.com/market-data/bonds/moneyrates) as of the last business day of the previous calendar month to which we subtract 2.75%. Bonus is considered interest and will be reported on IRS form 1099-INT. Offer and rates subject to change anytime without notice.**Must be a new member to qualify for bonus cash.
(As of 3/20/2023)
(We finance up to 125% of Purchase Price Excluding Tax, Title & Registration)
Loan Product | Model Year | Term | Annual Percentage Rate* |
---|---|---|---|
New/Used Auto & Motorcycle | Up to 10 model years old | 24 Months | 5.40% |
New/Used Auto & Motorcycle | Up to 10 model years old | 36 Months | 5.65% |
New/Used Auto & Motorcycle | Up to 5 model years old | 48 Months | 5.90% |
New/Used Auto & Motorcycle | Up to 4 model years old | 60 Months | 6.15% |
New/Used Auto & Motorcycle | Up to 3 model years old (Minimum $15K) | 72 Months | 6.40% |
New/Used Auto & Motorcycle | Up to 2 model years old (Minimum $25K) | 84 Months | 7.15% |
New Auto | New Only (Minimum $35K) | 96 Months | 8.49% |
Term | Model Year | Annual Percentage Rate* |
---|---|---|
24 Months | Up to 10 model years old | 4.90% |
36 Months | Up to 10 model years old | 5.15% |
48 Months | Up to 5 model years old | 5.40% |
60 Months | Up to 4 model years old | 5.65% |
72 Months | Up to 3 model years old ((Minimum $15K) | 5.90% |
84 Months | Up to 2 model years old (Minimum $25K) | 6.65% |
96 Months | New Only (Min $35K) | 7.99% |
Loan Product | Model Year | Term | Annual Percentage Rate* |
---|---|---|---|
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 24 Months | 5.90% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 36 Months | 6.15% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 5 model years old | 48 Months | 6.40% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 4 model years old | 60 Months | 6.65% |
Boat - RV | Up to 3 model years old (Minimum $20K) | 72 Months | 6.90% |
Boat - RV | Up to 8 model years old (Minimum $35K) | 73-120 Months | 8.99% |
Loan Product | Annual Percentage Rate* | Term | |
---|---|---|---|
Variable Rate Student Loan (Line of Credit) | 1.99%** | Minimum $1,000.00 Maximum $50,000.00 |
|
Fixed Rate Student Loan (Line of Credit) | 3.99%*** | Minimum $1,000.00 Maximum $50,000.00 |
|
Graduate Business Loan (Line of Credit) | 6.00%** | Minimum $1,000.00 Maximum $50,000.00 |
|
Variable Rate Student Loan Refinance | 4.50%**** | Minimum $5,000.00 Maximum $50,000.00 |
|
Fixed Rate Student Loan Refinance (5 Year Term) | 6.75% | Minimum $5,000.00 Maximum $50,000.00 |
|
Fixed Rate Student Refinance Loan (10 Year Term) | 7.75% | Minimum $5,000.00 Maximum $50,000.00 |
|
Quick Fix Home Improvement Loan (0-72 Month Term) | 7.99% | Minimum $2,500.00 Maximum $15,000.00 |
|
Efficiency Home Improvement Loan (0-60 Month Term) | 5.95% | Minimum $2,500.00 Maximum $40,000.00 |
|
Efficiency Home Improvement Loan (61-120 Month Term) | 6.95% | Minimum $2,500.00 Maximum $40,000.00 |
|
Lifestyle Loan (3 Year Term) | 6.00% | Minimum $2,500.00 | |
Lifestyle Loan (4 Year Term) | 7.50% | Minimum $2,500.00 | |
Lifestyle Loan (5 Year Term) | 8.50% | Minimum $2,500.00 | |
Fuel Assistance Loan (10 Month Term) | 8.00% | Minimum $300.00 | |
Holiday Loan (12 Month Term) | 8.00% | Minimum $250.00 Maximum $5,000.00 |
|
Tax Payment Loan (12 Month Term) | 8.00% | ||
Credit Builder Loan | 6.00% | ||
Overdraft Line Of Credit | 15.75% | ||
Signature Loan | 10.50% | ||
Signature Line of Credit | 16.75% | ||
Share/Certificate Secured (Variable Rate) | 2.00% Over Deposit Account Dividend |
Loan Product | Annual Percentage Rate* | Annual Fee |
---|---|---|
Share Secured VISA® | 11.45% | $0 |
VISA® Platinum | 11.45% | $0 |
VISA® Signature Rewards | 14.45% | $0 |
(As of 3/20/2023)
Share Type | Dividend Rate | Annual Percentage Yield |
---|---|---|
Share Draft Checking | 0.00% | 0.00% |
IOLTA/ IORTA | 0.10% | 0.10% |
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 for the latest information or for business loan rates.
Share Type | Dividend Rate | Annual Percentage Yield |
---|---|---|
Shares | 0.10% | 0.10% |
Balance | Dividend Rate | Annual Percentage Yield |
---|---|---|
Balance Under $2,000 | 0.10% | 0.10% |
Balance $2,000-$9,999 | 0.35% | 0.35% |
Balance $10,000-$24,999 | 0.50% | 0.50% |
Balance $25,000-$49,999 | 0.60% | 0.60% |
Balance $50,000-$99,999 | 1.10% | 1.11% |
Balance $100,000-$499,999 | 1.20% | 1.21% |
Balance $500,000+ | 1.50% | 1.51% |
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 for the latest information or for business loan rates.
Visa | Annual Percentage Rate | Annual Fee |
---|---|---|
Business | Prime + 5.00% | $0.00 |
(As of 03/22/2023)
Conventional Programs | Interest Rate | Annual Percentage Rate | Points | Payment Per $1000 | |
---|---|---|---|---|---|
Conventional Programs | Loans up to $726,200 | ||||
30 Year Fixed Rate | |||||
30 Year Fixed Rate | 6.125% | 6.234% | 0.00 | $6.08 | |
30 Year Fixed Rate | 6.000% | 6.204% | 1.00 | $6.00 | |
30 Year Fixed Rate | 5.875% | 6.174% | 2.00 | $5.92 | |
20 Year Fixed Rate | |||||
20 Year Fixed Rate | 5.875% | 6.018% | 0.00 | $7.09 | |
20 Year Fixed Rate | 5.750% | 6.018% | 1.00 | $7.02 | |
20 Year Fixed Rate | 5.625% |
6.019% |
2.00 | $6.95 | |
15 Year Fixed Rate | |||||
15 Year Fixed Rate | 5.500% | 5.678% | 0.00 | $8.17 | |
15 Year Fixed Rate | 5.375% | 5.710% | 1.00 | $8.10 | |
15 Year Fixed Rate | 5.250% | 5.742% | 2.00 | $8.04 | |
10 Year Fixed Land Loan | 7.250% | 7.367% | 0.00 | $11.48 |
Jumbo Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
Jumbo Programs | Loans $726,201 - $1,500,000 | |||
30 Year Fixed Rate | 6.125% | 6.234% | 0.00 | $6.08 |
15 Year Fixed Rate |
5.625% |
5.731% | 0.00 | $8.24 |
Government Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
Government Programs | 100% Financing Programs | |||
Rural Development 30 Year Fixed | 6.000% | 6.134% | 0 | $6.00 |
VHFA Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
VHFA Programs | VHFA Loan Size and Income Limits Apply www.vhfa.org | |||
Advantage 3% Down | 6.250% | 6.386% | 0.00 | $6.16 |
Advantage Government | 6.000% | 6.134% | 0.00 | $6.00 |
MOVE 3% Down | 6.000% | 6.134% | 0.00 | $6.00 |
MOVE Government | 5.750% | 5.882% | 0.00 | $5.84 |
Adjustable Programs* | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
Adjustable Programs |
INDEX 30-Day SOFR - Caps 2/5 | |||
5/6m ARM
3% Down - Margin 2.50
|
5.125% | 5.856 | 0 |
$5.44 |
5/6m ARM
Land Loan - Margin 4.50
|
6.250% | 6.989% | 0 | $7.78 |
10/6m ARM
3% Down - Margin 3.00
|
5.625% | 6.360% | 0 |
$5.76 |
Loan Product | Terms | Interest Rate | Annual Percentage Rate* |
---|---|---|---|
Home Equity Line of Credit | 80% Maximum Loan to Value | 7.25% | 7.25%** |
Home Equity Line of Credit | 90% Maximum Loan to Value £ or ± | 9.25% | 9.25%*** |
Mini Mortgage Loan | 10 Years - Maximum Term; 80% Maximum Loan to Value | 5.50% | 5.523%**** |
80% Maximum Loan to Value | |||
Fixed Rate Home Equity Loan | 0-60 Months | 5.50% | 5.545% |
Fixed Rate Home Equity Loan | 61-120 Months | 6.25% | 6.273% |
Fixed Rate Home Equity Loan | 121-180 Months | 7.00% | 7.017% |
95% Maximum Loan to Value | |||
Fixed Rate Home Equity Loan | 0-60 Months | 7.00% | 7.046% |
Fixed Rate Home Equity Loan | 61-120 Months | 7.75% | 7.774% |
Fixed Rate Home Equity Loan | 121-180 Months | 8.50% |
8.518% |
Contact
275 Kennedy Drive
Post Office Box 2147
South Burlington, VT 05407-2147
Phone: (802) 658-0225
Toll-Free: (888) 252-0202
Fax: (802) 864-6938
©2023 VFCU. All Rights Reserved.
NMLS Institutional ID #466013
Routing and Transit number 211691062