Rates

Deposit Rates

(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 Limited Time Offer	$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.

Consumer Loans

(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%

*APR stands for "Annual Percentage Rate." 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. Rates are subject to change without notice. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.

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%

*APR stands for "Annual Percentage Rate." 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. Rates are subject to change without notice. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.

**Must be an electric or hybrid vehicle.

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%

*APR stands for "Annual Percentage Rate." 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 for the latest information.

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

*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 1 for the latest information.

**Variable rate based upon PRIME; adjusted quarterly. Annual minimum of $1,000 and maximum throughout college career of $50,000.

***Rate is fixed during the draw period. Repayment period is based on the initial rate. Fixed Rate available for Undergraduate Student Loans only. Annual minimum of $1,000 and maximum throughout college career of $50,000.

****Variable rate based upon PRIME; adjusted quarterly.

Loan Product	Annual Percentage Rate*	Annual Fee
Share Secured VISA®	11.45%	$0
VISA® Platinum	11.45%	$0
VISA® Signature Rewards	14.45%	$0

*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 for the latest information.

Business Accounts

(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%

Visa	Annual Percentage Rate	Annual Fee
Business	Prime + 5.00%	$0.00

Mortgage Loans

(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

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.