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(As of 05/04/2026)
| 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% |
| High Yield Savings - Limited Time Special Rate up to $5,000** |
3.93% |
4.00% |
APY=Annual Percentage Yield.
*All Rates and offers on this page are subject to change at any time without notice. Fees could reduce earnings on the account. 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.
**% APY paid on balances $0.01-$5,000 and 0.10% APY paid on any amount above $5,000. Special 4.00% APY rate applies until 12/31/2026. On 1/1/2027, the account will be converted to a Special Savings Account with applicable market rates at the time of conversion. Fees could reduce earnings on the account. Limit of 1 High Yield Savings Account per member. Must be a member to open a High Yield Savings Account. $5 Share Deposit required for Credit Union membership, though no minimum account balance necessary. Available for personal accounts only. Offer subject to change or end at any time 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 $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 and offers on this page 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. 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 | 1.19% | 1.20% |
| Balance $10,000-$24,999 | 1.44% | 1.45% |
| Balance $25,000-$49,999 | 1.49% | 1.50% |
| Balance $50,000-$99,999 | 1.98% | 2.00% |
| Balance $100,000-$499,999 | 2.47% | 2.50% |
| Balance $500,000+ | 2.72% | 2.75% |
*APY=Annual Percentage Yield. All Rates and offers on this page are subject to change at any time without notice. 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
|
2.47%
|
2.50%
|
|
7 Month Certificate -
Limited Time Offer**
|
$5
|
3.74%
|
3.80%
|
|
12 Month Certificate
|
$5
|
2.62%
|
2.65%
|
|
18 Month Certificate
|
$5
|
2.72%
|
2.75%
|
|
24 Month Certificate
|
$5
|
2.91%
|
2.95%
|
|
36 Month Certificate
|
$5
|
3.11%
|
3.15%
|
|
48 Month Certificate
|
$5
|
3.20%
|
3.25%
|
|
60 Month Certificate
|
$5
|
3.45%
|
3.50%
|
|
Youth Advantage 60 Month Certificate****
|
$5
|
3.45%
|
3.50%
|
| Account Name | Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| IRA Share Account | $0 | 0.10% | 0.10% |
| 6 Month IRA Certificate | $5 | 2.47% | 2.50% |
|
7 Month IRA Certificate -
Limited Time Offer
|
$5
|
3.74%
|
3.80%
|
| 12 Month IRA Certificate | $5 | 2.62% | 2.65% |
| 18 Month IRA Certificate | $5 | 2.72% | 2.75% |
| 24 Month IRA Certificate | $5 | 2.91% | 2.95% |
| 36 Month IRA Certificate | $5 | 3.11% | 3.15% |
| 48 Month IRA Certificate | $5 | 3.20% | 3.25% |
| 60 Month IRA Certificate | $5 | 3.45% | 3.50% |
(As of 05/04/2026)
| Loan Product | Model Year | Term | Annual Percentage Rate* |
|---|---|---|---|
| New/Used Auto & Motorcycle | Up to 10 model years old | 24 Months | 4.90% |
| New/Used Auto & Motorcycle | Up to 10 model years old | 36 Months | 5.05% |
| New/Used Auto & Motorcycle | Up to 5 model years old | 48 Months | 5.35% |
| New/Used Auto & Motorcycle | Up to 4 model years old | 60 Months | 5.50% |
| New/Used Auto & Motorcycle | Up to 3 model years old (Minimum $15K) | 72 Months | 6.00% |
| New/Used Auto & Motorcycle | Up to 2 model years old (Minimum $25K) | 84 Months | 6.50% |
| New Auto | New Only (Minimum $35K) | 96 Months | 7.74% |
| Term | Model Year | Annual Percentage Rate* |
|---|---|---|
| 24 Months | Up to 10 model years old | 4.40% |
| 36 Months | Up to 10 model years old | 4.55% |
| 48 Months | Up to 5 model years old | 4.85% |
| 60 Months | Up to 4 model years old | 5.00% |
| 72 Months | Up to 3 model years old ((Minimum $15K) | 5.50% |
| 84 Months | Up to 2 model years old (Minimum $25K) | 6.00% |
| 96 Months | New Only (Min $35K) | 7.24% |
| Loan Product | Model Year | Term | Annual Percentage Rate* |
|---|---|---|---|
| Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 24 Months | 5.40% |
| Boat - RV - ATV - Snowmobile - Watercraft | Up to 10 model years old | 36 Months | 5.55% |
| Boat - RV - ATV - Snowmobile - Watercraft | Up to 5 model years old | 48 Months | 5.85% |
| Boat - RV - ATV - Snowmobile - Watercraft | Up to 4 model years old | 60 Months | 6.00% |
| Boat - RV | Up to 3 model years old (Minimum $20K) | 72 Months | 6.50% |
| Boat - RV | Up to 8 model years old (Minimum $35K) | 73-120 Months | 8.24% |
| 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 |
| 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 |
| Loan Product | Annual Percentage Rate* | Term | |
|---|---|---|---|
| Personal Loan (0-12 Month Term) | 7.50% | - | |
| Personal Loan (13-36 Month Term) | 9.50% | - | |
| Personal Loan (37-60 Month Term) | 10.75% | - | |
| Credit Builder Loan | 6.00% | ||
| Overdraft Line of Credit | 14.75% | ||
| Signature Line of Credit | 15.75% | ||
| Share/Certificate Secured (Variable Rate) | 2.00% Over Deposit Account Dividend |
| Loan Product | Annual Percentage Rate* | Annual Fee |
|---|---|---|
| Share Secured VISA® | 10.70% | $0 |
| VISA® Platinum | 10.70% | $0 |
| VISA® Signature Rewards* | 13.70% | $0 |
(As of 05/04/2026)
| 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 | 1.19% | 1.20% |
| Balance $10,000-$24,999 | 1.44% | 1.45% |
| Balance $25,000-$49,999 | 1.49% | 1.50% |
| Balance $50,000-$99,999 | 1.98% | 2.00% |
| Balance $100,000-$499,999 | 2.47% | 2.50% |
| Balance $500,000+ | 2.72% | 2.75% |
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 |
(As of 05/05/2026)
| Conventional Programs | Interest Rate | Annual Percentage Rate | Points | Payment Per $1000 | |
|---|---|---|---|---|---|
| Conventional Programs | Loans up to $832,750 | ||||
| 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 | |
| Government Programs | Interest Rate | Annual Percentage Rate | Points | Payment per $1000 |
|---|---|---|---|---|
| Government Programs | 100% Financing Programs | |||
| Rural Development 30 Year |
6.125% |
6.260% | 0 | $6.08 |
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 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 $832,751 - $1,249,125 | |||
| 30 Year Fixed Rate | 6.375% | 6.486% | 0.00 | $6.24 |
| 15 Year Fixed |
5.750% |
5.856% | 0.00 | $8.30 |
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 Jumbo Mortgage repayment schedule for $800,000 over the course of 30 years at an Annual Percentage Rate (APR) of 6.863% would calculate to a monthly payment of $5,249.02.
| 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 | 5.750% | 5.882% | 0.00 | $5.84 |
| 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 | |||
|
3/1 ARM
|
5.125% | 5.856% | 0 |
$5.44 |
|
5/6m ARM
5% Down - Margin 3.00
|
5.750% | 6.486% | 0 |
$5.84 |
|
5/6m ARM
Land Loan - Margin 4.50
|
6.250% | 6.989% | 0 | $7.78 |
|
10/6m ARM
5% Down - Margin 3.00
|
6.125% | 6.863% | 0 |
$6.08 |
| Loan Product | Terms | Interest Rate | Annual Percentage Rate* |
|---|---|---|---|
| Home Equity Line of Credit | 80% Maximum Loan to Value | 6.25% | 6.25% |
| Home Equity Line of Credit | 90% Maximum Loan to Value £ or ± | 8.00% | 8.00% |
| Mini Mortgage Loan | 10 Years - Maximum Term; 80% Maximum Loan to Value | 5.50% | 5.50% |
| 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% |
7.74% |
| 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. Contact Vermont Federal Credit Union at (888) 252-0202 for the latest information.
*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 may vary from those listed above. 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 4.50% APR. 90% Maximum Loan to Value product is equal to Prime Rate plus 1.50% with a floor of 5.00% APR. As of 10/30/2025, the Variable Prime Lending Rate is 7.00% APR. The maximum APR that may be imposed is 18.00%. All rates quoted are subject to change monthly. Other rates and terms are available. Costs range from $219 to $1,500 depending on the need for an appraisal. Additionally, members may be required to pay for title examination. Investment properties are ineligible. Property insurance is required. Collateral property must be located in the state of Vermont. Minimum credit line is $15,000. All loans are subject to credit approval. Must be a member of the Credit Union to obtain a loan. $5 Share Deposit required for Credit Union membership. Rates, terms and conditions subject to change without notice.
**The maximum APR that may be imposed is 18.00%. All rates are quoted "as low as" and are subject to an evaluation of your credit. Property insurance is required. Collateral property must be located in the state of Vermont. Minimum loan amount is $10,000. Must be a member of the Credit Union to obtain a loan. $5 Share Deposit required for Credit Union membership. All loans are subject to credit approval. Rates, terms and conditions subject to change without notice. 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 6.257% would calculate to a monthly payment of $972.47.
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
©2026 VFCU. All Rights Reserved.
NMLS Institutional ID #466013
Routing and Transit number 211691062
