Rates

Deposit Rates

(As of 1/18/2022)

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%

*$5 Share Deposit required for Credit Union membership. The daily method is utilized to determine which rate will be applied. Dividends are accrued daily and compounded monthly. 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.

Share Type	Dividend Rate	Annual Percentage Yield
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 < $25k (Requirements Met)	1.00%	1.00%*
ReWARD Checking > $25k (Requirements Met)	0.25%	0.25%*
ReWARD Checking (all $) (Requirements Not Met)	0.10%	0.10%*

*1.00% 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 the base rate 0.10%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 accrued daily and compounded monthly. 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.

Balance	Dividend Rate	Annual Percentage Yield
Balance under $2,000	0.10%	0.10%
Balance $2,000-$9,999	0.10%	0.10%
Balance $10,000-$24,999	0.10%	0.10%
Balance $25,000-$49,999	0.15%	0.15%
Balance $50,000-$99,999	0.35%	0.35%
Balance $100,000+	0.40%	0.40%

Account Name	Minimum Balance	Dividend Rate	Annual Percentage Yield
6 Month Certificate	$500	0.30%	0.30%
9 Month Certificate - Limited Time Offer	$500	0.50%	0.50%
12 Month Certificate	$500	0.35%	0.35%
18 Month Certificate	$500	0.35%	0.35%
24 Month Certificate	$500	0.45%	0.45%
36 Month Certificate	$500	0.45%	0.45%
48 Month Certificate	$500	0.45%	0.45%
60 Month Certificate	$500	0.75%	0.75%
Youth Advantage 60 Month Certificate*	$50	0.75%	0.75%

*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.

**Flex Certificate 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 term. The new rate will be applied for the remainder of term.

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.

Account Name	Minimum Balance	Dividend Rate	Annual Percentage Yield
IRA Share Account	$0	0.10%	0.10%
6 Month IRA Certificate	$500	0.30%	0.30%
9 Month IRA Certificate - Limited Time Offer	$500	0.50%	0.50%
12 Month IRA Certificate	$500	0.35%	0.35%
18 Month IRA Certificate	$500	0.35%	0.35%
24 Month IRA Certificate	$500	0.45%	0.45%
36 Month IRA Certificate	$500	0.45%	0.45%
48 Month IRA Certificate	$500	0.45%	0.45%
60 Month IRA Certificate	$500	0.75%	0.75%

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. $500 Minimum balance required on all certificates except the Youth Advantage Certificate. Ask a Member Service Representative at (888) 252-0202 for the latest information about fees and terms applicable to the advertised accounts.

Consumer Loans

(As of 1/18/2022)

(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	2.25%
New/Used Auto & Motorcycle	Up to 10 model years old	36 Months	2.99%
New/Used Auto & Motorcycle	Up to 5 model years old	48 Months	2.99%
New/Used Auto & Motorcycle	Up to 4 model years old	60 Months	3.25%
New/Used Auto & Motorcycle	Up to 3 model years old (Minimum $15K)	72 Months	3.75%
New/Used Auto & Motorcycle	Up to 2 model years old (Minimum $20K)	84 Months	4.75%
New Auto	New Only (Minimum $23K)	96 Months	6.49%

*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	1.75%
36 Months	Up to 10 model years old	2.49%
48 Months	Up to 5 model years old	2.49%
60 Months	Up to 4 model years old	2.75%
72 Months	Up to 3 model years old ((Minimum $15K)	3.25%
84 Months	Up to 2 model years old (Minimum $20K)	4.25%
96 Months	New Only (Min $23K)	5.99%

*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	2.75%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 10 model years old	36 Months	3.49%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 5 model years old	48 Months	3.49%
Boat - RV - ATV - Snowmobile - Watercraft	Up to 4 model years old	60 Months	3.75%
Boat - RV	Up to 3 model years old	72 Months	4.25%
Boat - RV	Up to 8 model years old (Minimum $35K)	73-120 Months	6.99%

*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)	6.99%	Minimum $2,500.00 Maximum $15,000.00
Efficiency Home Improvement Loan (0-60 Month Term)	4.95%	Minimum $2,500.00 Maximum $40,000.00
Efficiency Home Improvement Loan (61-120 Month Term)	5.95%	Minimum $2,500.00 Maximum $40,000.00
Lifestyle Loan (3 Year Term)	5.00%	Minimum $2,500.00
Lifestyle Loan (4 Year Term)	6.50%	Minimum $2,500.00
Lifestyle Loan (5 Year Term)	7.50%	Minimum $2,500.00
Fuel Assistance Loan (10 Month Term)	7.00%	Minimum $300.00
Holiday Loan (12 Month Term)	7.00%	Minimum $250.00 Maximum $5,000.00
Tax Payment Loan (12 Month Term)	7.00%
Credit Builder Loan	6.00%
Overdraft Line Of Credit	11.25%
Signature Loan	9.50%
Signature Line of Credit	12.25%
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®	6.95%	$0
VISA® Platinum	6.95%	$0
VISA® Platinum Rewards	9.95%	$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 1/18/2022)

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	0.10%	0.10%
Balance $10,000-$24,999	0.10%	0.10%
Balance $25,000-$49,999	0.15%	0.15%
Balance $50,000-$99,999	0.35%	0.35%
Balance $100,000+	0.40%	0.40%

Visa	Annual Percentage Rate	Annual Fee
Business	Prime + 3.00%	$0.00

Mortgage Loans

(As of 01/21/2022)

Conventional Programs	Interest Rate	Annual Percentage Rate	Points	Payment Per $1000
Conventional Programs	Loans up to $647,200
30 Year Fixed Rate
30 Year Fixed Rate	3.500%	3.593%	0.00	$4.49
30 Year Fixed Rate	3.375%	3.549%	1.00	$4.42
30 Year Fixed Rate	3.250%	3.506%	2.00	$4.35
20 Year Fixed Rate
20 Year Fixed Rate	3.250%	3.379%	0.00	$5.67
20 Year Fixed Rate	3.125%	3.368%	1.00	$5.61
20 Year Fixed Rate	3.00%	3.357%	2.00	$5.55
15 Year Fixed Rate
15 Year Fixed Rate	2.750%	2.915%	0.00	$6.79
15 Year Fixed Rate	2.625%	2.935%	1.00	$6.73
15 Year Fixed Rate	2.500%	2.956%	2.00	$6.67
10 Year Fixed Mini Mortgage
10 Year Fixed Mini Mortgage	2.50%	2.502%	0.00	$9.43
10 Year Fixed Land Loan	5.250%	5.353%	0.00	$10.72

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.

Jumbo Programs	Interest Rate	Annual Percentage Rate	Points	Payment per $1000
Jumbo Programs	Loans $647,201 - $1,500,000
30 Year Fixed Rate	3.625%	3.719%	0.00	$4.56
15 Year Fixed Rate	2.875%	2.965%	0.00	$6.85

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.

Government Programs	Interest Rate	Annual Percentage Rate	Points	Payment per $1000
Government Programs	100% Financing Programs
VA 30 Year Fixed Servicing retained	4.375%	4.497%	0	$4.99
VA 15 Year Fixed Servicing retained	N/A	N/A	0	N/A
VA 15 year Fixed Servicing released	N/A
Rural Development 30 Year Fixed	3.500%	3.616%	0	$4.49

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.

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.

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	4.375%	4.497%	0.00	$4.99
Advantage Government	3.625%	3.742%	0.00	$4.56
Advantage 3% Down with Assist	4.625%	4.749%	0.00	$5.14
Advantage Government with Assist	3.750%	3.868%	0.00	$4.63
MOVE 3% Down	3.250%	3.364%	0.00	$4.35
MOVE Government	3.000%	3.113%	0.00	$4.22
MOVE 3% Down with Assist	3.250%	3.364%	0.00	$4.35
MOVE Government with Assist	3.000%	3.113%	0.00	$4.22

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.

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.

Loan Product	Terms	Interest Rate	Annual Percentage Rate*
Home Equity Line of Credit	80% Maximum Loan to Value	3.50%	3.50%**
Home Equity Line of Credit	90% Maximum Loan to Value £ or ±	4.75%	4.75%***
Mini Mortgage Loan	10 Years - Maximum Term; 80% Maximum Loan to Value	2.50%	2.502%****
80% Maximum Loan to Value
Fixed Rate Home Equity Loan	0-60 Months	3.10%	3.104%
Fixed Rate Home Equity Loan	61-120 Months	4.25%	4.252%
Fixed Rate Home Equity Loan	121-180 Months	4.90%	4.902%
95% Maximum Loan to Value
Fixed Rate Home Equity Loan	0-60 Months	4.60%	4.604%
Fixed Rate Home Equity Loan	61-120 Months	5.75%	5.752%
Fixed Rate Home Equity Loan	121-180 Months	6.40%	6.402%

± 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. For new lines of credit the Credit Union pays up to $341 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. The "as low as" interest rate of 1.99% may vary and is subject to an evaluation of your credit. All rates quoted are subject to change monthly. Rate is valid all new equity lines of credit for 12 months from the date of closing. After 12 months, rate is tied to the variable Prime Lending Rate as published in the Wall Street Journal and is as low as Prime Rate minus 0.50% with a floor of 3.50% APR. As of 3/24/20 that rate would be as low as 3.50% APR. Maximum APR is 18.00% at a maximum of 80% loan to value (LTV). Primary residence only. Other rates and terms are available. Current members with an existing line of credit must refinance and are subject to refinancing fees. Collateral property must be located in the state of Vermont. Minimum credit line is $15,000. Must be a member of the Credit Union to obtain a loan.

***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. 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. WSJ Prime currently 3.25%. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.

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 3.624% would calculate to a monthly payment of $909.59.

****An example Mini Mortgage Loan repayment schedule for $10,000 over the course of 10 years at an APR of 2.502% would calculate to a monthly payment of $94.27. For the Mini Mortgage loan, risk based pricing applies. Minimum loan amount of $10,000. This payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater. If your loan amount is $250,000.00 or greater an appraisal is required.