Rates

Deposit Rates

(As of 12/02/2024)

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%

APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Must be a member of the credit union to open an account. Must meet membership criterion to establish membership. $5 share deposit required in Primary Share account for membership, though no additional minimum balances required.

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%*

*APY=Annual Percentage Yield. All Rates are subject to change at any time without notice. Fees could reduce earnings on the account. The daily method is utilized to determine which rate will be applied. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Must be a member of the credit union to open an account. $5 Share Deposit required for Credit Union membership.

**1.26% 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 post 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.

Balance	Dividend Rate	Annual Percentage Yield
Balance under $2,000	0.10%	0.10%
Balance $2,000-$9,999	1.24%	1.25%
Balance $10,000-$24,999	1.49%	1.50%
Balance $25,000-$49,999	1.54%	1.55%
Balance $50,000-$99,999	1.98%	2.00%
Balance $100,000-$499,999	2.47%	2.50%
Balance $500,000+	2.47%	2.50%

*APY=Annual Percentage Yield. All Rates are subject to change at any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Must be a member of the credit union to open an account. $5 Share Deposit required for Credit Union membership, though no minimum account balance necessary.

Account Name	Minimum Balance	Dividend Rate	Annual Percentage Yield*****
6 Month Certificate	$5	3.93%	4.00%
11 Month Certificate - Limited Time Offer	$5	4.07%	4.15%
12 Month Certificate	$5	2.72%	2.75%
15 Month Flex Certificate*** Not Currently Offered	$5	3.50%	3.56%
18 Month Certificate	$5	2.72%	2.75%
24 Month Certificate	$5	2.96%	3.00%
36 Month Certificate	$5	3.45%	3.50%
48 Month Certificate	$5	3.45%	3.50%
60 Month Certificate	$5	3.45%	3.50%
Youth Advantage 60 Month Certificate****	$5	3.45%	3.50%

*All Rates on this page are subject to change at any time without notice. Fees could reduce earnings on the account. $5 minimum balance required on certificates. Rates are the same for certificates in Traditional & Roth IRAs. 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. Additional deposits can be made at anytime throughout the term with no minimum.
****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.

Account Name	Minimum Balance	Dividend Rate	Annual Percentage Yield
IRA Share Account	$0	0.10%	0.10%
6 Month IRA Certificate	$5	3.93%	4.00%
11 Month Certificate - Limited Time Offer	$5	4.07%	4.15%
12 Month IRA Certificate	$5	2.72%	2.75%
15 Month IRA Flex Certificate - Not Currently Offered**	$5	3.50%	3.56%
18 Month IRA Certificate	$5	2.72%	2.75%
24 Month IRA Certificate	$5	2.96%	3.00%
36 Month IRA Certificate	$5	3.11%	3.50%
48 Month IRA Certificate	$5	3.20%	3.50%
60 Month IRA Certificate	$5	3.45%	3.50%

*All Rates on this page are subject to change at any time without notice. Fees could reduce earnings on the account. $5 minimum balance required on certificates. Rates are the same for certificates in Traditional & Roth IRAs. 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.
****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.

Consumer Loans

(As of 12/02/2024)

Loan Product	Model Year	Term	Annual Percentage Rate*
New/Used Auto & Motorcycle	Up to 10 model years old	24 Months	5.15%
New/Used Auto & Motorcycle	Up to 10 model years old	36 Months	5.30%
New/Used Auto & Motorcycle	Up to 5 model years old	48 Months	5.60%
New/Used Auto & Motorcycle	Up to 4 model years old	60 Months	5.75%
New/Used Auto & Motorcycle	Up to 3 model years old (Minimum $15K)	72 Months	6.25%
New/Used Auto & Motorcycle	Up to 2 model years old (Minimum $25K)	84 Months	6.75%
New Auto	New Only (Minimum $35K)	96 Months	7.99%

(We finance up to 125% of Purchase Price Excluding Tax, Title & Registration). *APR stands for "Annual Percentage Rate." Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Rates may vary from those indicated above. Rates are subject to change any time without notice. Used vehicles more than 10 years old may not qualify for these rates. All loans subject to approval. Insurance required on all secured loans. Must be a member to obtain a loan. $5 share deposit required for membership. 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	4.65%
36 Months	Up to 10 model years old	4.80%
48 Months	Up to 5 model years old	5.10%
60 Months	Up to 4 model years old	5.25%
72 Months	Up to 3 model years old ((Minimum $15K)	5.75%
84 Months	Up to 2 model years old (Minimum $25K)	6.25%
96 Months	New Only (Min $35K)	7.49%

*APR stands for "Annual Percentage Rate." Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Rates may vary from those indicated above. Rates are subject to change any time without notice. Must be an electric or hybrid vehicle. Used vehicles more than 10 years old may not qualify for these rates. All loans subject to approval. Insurance required on all secured loans. Must be a member to obtain a loan. $5 share deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.

Loan Product	Model Year	Term	Annual Percentage Rate*
Boat - RV - ATV - Snowmobile - Watercraft	Up to 10 model years old	24 Months	5.65%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 10 model years old	36 Months	5.80%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 5 model years old	48 Months	6.10%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 4 model years old	60 Months	6.25%
Boat - RV	Up to 3 model years old (Minimum $20K)	72 Months	6.75%
Boat - RV	Up to 8 model years old (Minimum $35K)	73-120 Months	8.49%

*APR stands for "Annual Percentage Rate." Rates are quoted "as low as" and are subject to an evaluation of your credit and collateral. Rates may vary from those indicated above. Rates are subject to change any time without notice. Used vehicles more than 10 years old may not qualify for these rates. Terms may be limited based on credit and collateral. Maximum terms for ATV's, snowmobiles, and watercrafts are 60 months. Other terms for RV loans may be available. All loans subject to approval. Insurance required on all secured loans. Must be a member to obtain a loan. $5 shared deposit required for membership. 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)	7.24%**	Minimum $1,000.00 Maximum $75,000.00
Fixed Rate Student Loan (Line of Credit)	3.99%***	Minimum $1,000.00 Maximum $75,000.00
Graduate Business Loan (Line of Credit)	10.00%**	Minimum $1,000.00 Maximum $75,000.00
Variable Rate Student Loan Refinance	9.75%****	Minimum $5,000.00 Maximum $75,000.00
Fixed Rate Student Loan Refinance (5 Year Term)	6.75%	Minimum $5,000.00 Maximum $75,000.00
Fixed Rate Student Refinance Loan (10 Year Term)	7.75%	Minimum $5,000.00 Maximum $75,000.00

*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*	Term
Quick Fix Home Improvement Loan (0-72 Month Term)	8.99%	Minimum $2,500.00 Maximum $15,000.00
Efficiency Home Improvement Loan (0-60 Month Term)	6.95%	Minimum $2,500.00 Maximum $40,000.00
Efficiency Home Improvement Loan (61-120 Month Term)	7.95%	Minimum $2,500.00 Maximum $40,000.00
Solar Loan (60 Month & 120 Month Terms)	5.90%	Minimum $5,000.00 Maximum $75,000.00
Solar Loan (180 Month & 240 Month Terms)	6.90%	Minimum $5,000.00 Maximum $75,000.00

**Variable rate based upon PRIME; adjusted quarterly. 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*	Term
Lifestyle Loan (3 Year Term)	7.00%	Minimum $2,500.00
Lifestyle Loan (4 Year Term)	8.50%	Minimum $2,500.00
Lifestyle Loan (5 Year Term)	9.50%	Minimum $2,500.00
Credit Builder Loan	6.00%
Overdraft Line Of Credit	15.75%
Signature Loan	11.00%
Signature Line of Credit	16.75%
Share/Certificate Secured (Variable Rate)	2.00% Over Deposit Account Dividend

**Variable rate based upon Prime; adjusted quarterly. 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®	11.70%	$0
VISA® Platinum	11.70%	$0
VISA® Signature Rewards*	14.70%	$0

*APR stands for "Annual Percentage Rate." Rate is variable and may vary after account is opened. Rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may vary from those indicated above. Rates are subject to change any time without notice. All loans subject to approval. Must be a member to obtain an account. $5 share deposit required for membership.

Certain terms, conditions, and exclusions apply. For the full Visa Guide to Benefits including terms and conditions, please click here.

Business Accounts

(As of 12/02/2024)

Share Type	Dividend Rate	Annual Percentage Yield
Share Draft Checking	0.00%	0.00%
IOLTA/ IORTA	0.10%	0.10%

APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. 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%

APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information or for business loan rates.

Balance	Dividend Rate	Annual Percentage Yield
Balance Under $2,000	0.10%	0.10%
Balance $2,000-$9,999	1.24%	1.25%
Balance $10,000-$24,999	1.49%	1.50%
Balance $25,000-$49,999	1.54%	1.55%
Balance $50,000-$99,999	1.98%	2.00%
Balance $100,000-$499,999	2.47%	2.50%
Balance $500,000+	2.47%	2.50%

APY=Annual Percentage Yield. All rates subject to change any time without notice. Fees could reduce earnings on the account. Dividends are compounded monthly using the daily balance method. 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 may change after account is opened. Restrictions may apply. Must be a member to obtain an account. $5 shared deposit required for membership. 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

Mortgage Loans

(As of 12/06/2024)

Conventional Programs	Interest Rate	Annual Percentage Rate	Points	Payment Per $1000
Conventional Programs	Loans up to $766,550
30 Year Fixed Rate
30 Year Fixed Rate	6.375%	6.486%	0.00	$6.24
30 Year Fixed Rate	6.250%	6.457%	1.00	$6.16
30 Year Fixed Rate	6.125%	6.428%	2.00	$6.08
20 Year Fixed Rate
20 Year Fixed Rate	6.000%	6.144%	0.00	$7.16
20 Year Fixed Rate	5.875%	6.145%	1.00	$7.09
20 Year Fixed Rate	5.750%	6.146%	2.00	$7.02
15 Year Fixed Rate
15 Year Fixed Rate	5.625%	5.804%	0.00	$8.24
15 Year Fixed Rate	5.500%	5.836%	1.00	$8.17
15 Year	5.375%	5.869%	2.00	$8.10
10 Year Fixed Land Loan	7.250%	7.367%	0.00	$11.48

APR is the Annual Percentage Rate on the loan. All rates are quoted "as low as" and are subject to an evaluation of your credit. Rates are fixed and may vary from the rates indicated above. All loans subject to approval and are based on creditworthiness. Rates are based on 60 day rate lock and are subject to change at any time without notice prior to commitment. Rates can vary according to individual loan factors including; Loan to Value Ratio, Credit Score, Property Type and Occupancy Rates. Caps shown are first adjustment/life of loan adjustment. Payment per $1,000 does not include taxes and insurance. If an escrow account is required, payment will be higher. Must be a member to obtain a loan. $5 shared deposit required for membership.

An example Fixed Conventional Mortgage repayment schedule for $200,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.863% would calculate to a monthly payment of $1,312.25.

Government Programs	Interest Rate	Annual Percentage Rate	Points	Payment per $1000
Government Programs	100% Financing Programs
Rural Development 30 Year	6.375%	6.512%	0	$6.24

An example Fixed Government Mortgage repayment schedule for $400,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.386% would calculate to a monthly payment of $2,498.36.

Jumbo Programs	Interest Rate	Annual Percentage Rate	Points	Payment per $1000
Jumbo Programs	Loans $766,551 - $1,500,000
30 Year Fixed Rate	6.375%	6.486%	0.00	$6.24
15 Year Fixed	5.750%	5.856%	0.00	$8.30

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	6.500%	6.639%	0.00	$6.32
Advantage Government	6.250%	6.386%	0.00	$6.16
MOVE 3% Down	6.250%	6.386%	0.00	$6.16
MOVE Government	6.000%	6.134%	0.00	$6.00

An example Fixed VHFA Mortgage repayment schedule for $200,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.639% would calculate to a monthly payment of $1,282.47.

Adjustable Programs*	Interest Rate	Annual Percentage Rate	Points	Payment per $1000
Adjustable Programs	INDEX 30-Day SOFR - Caps 2/5
5/6m ARM 5% Down - Margin 2.50	4.875%	5.605%	0	$5.29
5/6m ARM Land Loan - Margin 4.50	6.250%	6.989%	0	$7.78
10/6m ARM 5% Down - Margin 3.00	5.375%	6.108%	0	$5.60

APR is the Annual Percentage Rate on the loan. All rates are quoted "as low as" and are subject to an evaluation of your credit. Rates may change at any time without notice. All loans subject to approval and are based on creditworthiness. Rates may increase after consummation of the loan. Rates are based on 60 day rate lock and are subject to change at any time without notice prior to commitment. Rates can vary according to individual loan factors including; Loan to Value Ratio, Credit Score, Property Type and Occupancy Rates. Caps shown are first adjustment/life of loan adjustment. Payment per $1,000 does not include taxes and insurance. If an escrow account is required, payment will be higher. Must be a member to obtain a loan. $5 shared deposit required for membership. Margin is a component of pricing and is subject to change. Caps shown are first adjustment/life of loan adjustment.

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	6.25%	6.25%
Fixed Rate Home Equity Loan	61-120 Months	6.99%	6.99%
Fixed Rate Home Equity Loan	121-180 Months	7.74%	6.75%
95% Maximum Loan to Value
Fixed Rate Home Equity Loan	0-60 Months	7.75%	7.75%
Fixed Rate Home Equity Loan	61-120 Months	8.49%	8.49%
Fixed Rate Home Equity Loan	121-180 Months	9.24%	9.24%

± 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.

**APR is the Annual Percentage Rate on the loan. All rates quoted "as low as" and are subject to an evaluation of your credit. Rates are subject to change any time without notice. Rates apply to new Home Equity Lines of Credit. Rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal. 80% Maximum Loan to Value Product is equal to Prime Rate minus .50% with a floor of 3.50% APR. 90% Maximum Loan to Value Product is equal to Prime Rate plus 1.50% with a floor of 4.00% APR. As of 9/24/24 the Prime Lending Rate is 8.00% APR. Maximum APR is 18.00% at a maximum of 80% loan to value (LTV). All rates quoted are subject to change monthly. For new lines of credit the Credit Union pays up to $416 of the closing costs. Costs range from $341 to $850 depending on the need for an appraisal. Additionally, members may be required to pay for title examination. Primary residence only. Collateral property must be located in the state of Vermont. Property insurance required. Minimum credit line is $15,000. Must be a member of the Credit Union to obtain a loan. $5 share deposit required for membership. All loans subject to approval. Other rates and terms available. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.

***APR = Annual Percentage Rate. All rates are quoted "as low as" and are subject to an evaluation of your credit. All loans are subject to approval. The maximum interest rate that may be imposed is 18.00%. Property insurance is required. Rates, terms and conditions subject to change any time without notice. Must be a member of the Credit Union to obtain a mortgage loan. $5 Share Deposit required for Credit Union membership. 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 6.505% would calculate to a monthly payment of $978.16.

****APR = Annual Percentage Rate. All rates are quoted "as low as" and are subject to an evaluation of your credit. All loans are subject to approval. The maximum interest rate that may be imposed is 18.00%.Property insurance is required. Rates, terms and conditions subject to change any time without notice. Must be a member of the Credit Union to obtain a mortgage loan. $5 Share Deposit required for Credit Union membership. Minimum loan amount of $10,000. For loan amounts $400,000.00 or greater an appraisal is required. Risk based pricing applies. An example Mini Mortgage Loan repayment schedule for $10,000 over the course of 10 years at an APR of 5.523% would calculate to a monthly payment of $108.53. This payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.