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(As of 8/15/2022)
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% |
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 < $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%* |
Balance | Dividend Rate | Annual Percentage Yield |
---|---|---|
Balance under $2,000 | 0.10% | 0.10% |
Balance $2,000-$9,999 | 0.20% | 0.20% |
Balance $10,000-$24,999 | 0.25% | 0.25% |
Balance $25,000-$49,999 | 0.35% | 0.35% |
Balance $50,000-$99,999 | 0.50% | 0.50% |
Balance $100,000+ | 0.55% | 0.55% |
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 | 0.40% | 0.40% |
15 Month Flex Certificate** | $500 | 2.00% | 2.02% |
18 Month Certificate | $500 | 0.45% | 0.45% |
24 Month Certificate | $500 | 0.55% | 0.55% |
28 Month Certificate - Limited Time Offer | $500 | 2.75% | 2.78% |
36 Month Certificate | $500 | 0.65% | 0.65% |
48 Month Certificate | $500 | 0.75% | 0.75% |
60 Month Certificate | $500 | 1.00% | 1.00% |
Youth Advantage 60 Month Certificate* | $50 | 1.00% | 1.00% |
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 | 0.40% | 0.40% |
15 Month IRA Flex Certificate** | $500 | 2.00% | 2.02% |
18 Month IRA Certificate | $500 | 0.45% | 0.45% |
24 Month IRA Certificate | $500 | 0.55% | 0.55% |
28 Month IRA Certificate - Limited Time Offer | $500 | 2.75% | 2.78% |
36 Month IRA Certificate | $500 | 0.65% | 0.65% |
48 Month IRA Certificate | $500 | 0.75% | 0.75% |
60 Month IRA Certificate | $500 | 1.00% | 1.00% |
(As of 8/15/2022)
(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 | 2.99% |
New/Used Auto & Motorcycle | Up to 10 model years old | 36 Months | 3.24% |
New/Used Auto & Motorcycle | Up to 5 model years old | 48 Months | 3.65% |
New/Used Auto & Motorcycle | Up to 4 model years old | 60 Months | 3.99% |
New/Used Auto & Motorcycle | Up to 3 model years old (Minimum $15K) | 72 Months | 4.25% |
New/Used Auto & Motorcycle | Up to 2 model years old (Minimum $20K) | 84 Months | 5.00% |
New Auto | New Only (Minimum $23K) | 96 Months | 6.99% |
Term | Model Year | Annual Percentage Rate* |
---|---|---|
24 Months | Up to 10 model years old | 2.49% |
36 Months | Up to 10 model years old | 2.74% |
48 Months | Up to 5 model years old | 3.15% |
60 Months | Up to 4 model years old | 3.49% |
72 Months | Up to 3 model years old ((Minimum $15K) | 3.75% |
84 Months | Up to 2 model years old (Minimum $20K) | 4.50% |
96 Months | New Only (Min $23K) | 6.49% |
Loan Product | Model Year | Term | Annual Percentage Rate* |
---|---|---|---|
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 24 Months | 3.49% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 36 Months | 3.74% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 5 model years old | 48 Months | 4.15% |
Boat - RV - ATV - Snowmobile - Watercraft | Up to 4 model years old | 60 Months | 4.49% |
Boat - RV | Up to 3 model years old | 72 Months | 4.75% |
Boat - RV | Up to 8 model years old (Minimum $35K) | 73-120 Months | 7.49% |
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 | 13.50% | ||
Signature Loan | 10.50% | ||
Signature Line of Credit | 14.50% | ||
Share/Certificate Secured (Variable Rate) | 2.00% Over Deposit Account Dividend |
Loan Product | Annual Percentage Rate* | Annual Fee |
---|---|---|
Share Secured VISA® | 9.20% | $0 |
VISA® Platinum | 9.20% | $0 |
VISA® Platinum Rewards | 12.20% | $0 |
(As of 8/15/2022)
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% |
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 08/16/2022)
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 | 5.250% | 5.353% | 0.00 | $5.52 | |
30 Year Fixed Rate | 5.125% | 5.318% | 1.00 | $5.44 | |
30 Year Fixed Rate | 5.000% | 5.283% | 2.00 | $5.37 | |
20 Year Fixed Rate | |||||
20 Year Fixed Rate | 5.000% | 5.138% | 0.00 | $6.60 | |
20 Year Fixed Rate | 4.875% | 5.134% | 1.00 | $6.53 | |
20 Year Fixed Rate | 4.750% |
5.131% |
2.00 | $6.46 | |
15 Year Fixed Rate | |||||
15 Year Fixed Rate | 4.875% | 5.050% | 0.00 | $7.84 | |
15 Year Fixed Rate | 4.750% | 5.079% | 1.00 | $7.78 | |
15 Year Fixed Rate | 4.625% | 5.109% | 2.00 | $7.71 | |
10 Year Fixed Land Loan | 6.750% | 6.863% | 0.00 | $11.48 |
Jumbo Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
Jumbo Programs | Loans $647,201 - $1,500,000 | |||
30 Year Fixed Rate | 5.250% | 5.353% | 0.00 | $5.52 |
15 Year Fixed Rate |
5.000% |
5.102% | 0.00 | $7.91 |
Government Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
---|---|---|---|---|
Government Programs | 100% Financing Programs | |||
Rural Development 30 Year Fixed | 5.500% | 5.630% | 0 | $5.68 |
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 | N/A | N/A | 0.00 | N/A |
Advantage Government | 5.750% | 5.882% | 0.00 | $5.84 |
MOVE 3% Down | 5.500% | 5.630% | 0.00 | $5.68 |
MOVE Government | 5.250% | 5.378% | 0.00 | $5.52 |
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 3.50
|
4.750% | 5.479% | 0 |
$5.22 |
5/6m ARM
Land Loan - Margin 4.50
|
5.750% | 6.486% | 0 | $7.78 |
Loan Product | Terms | Interest Rate | Annual Percentage Rate* |
---|---|---|---|
Home Equity Line of Credit | 80% Maximum Loan to Value | 5.00% | 5.00%** |
Home Equity Line of Credit | 90% Maximum Loan to Value £ or ± | 7.00% | 7.00%*** |
Mini Mortgage Loan | 10 Years - Maximum Term; 80% Maximum Loan to Value | 4.75% | 4.752%**** |
80% Maximum Loan to Value | |||
Fixed Rate Home Equity Loan | 0-60 Months | 4.25% | 4.255% |
Fixed Rate Home Equity Loan | 61-120 Months | 5.00% | 5.003% |
Fixed Rate Home Equity Loan | 121-180 Months | 5.75% | 5.752% |
95% Maximum Loan to Value | |||
Fixed Rate Home Equity Loan | 0-60 Months | 5.75% | 5.752% |
Fixed Rate Home Equity Loan | 61-120 Months | 6.50% | 6.503% |
Fixed Rate Home Equity Loan | 121-180 Months | 7.25% |
7.253% |
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
©2022 VFCU. All Rights Reserved.
NMLS Institutional ID #466013
Routing and Transit number 211691062