Loans personalized for you

We are continuously developing new loan programs to meet your needs—no matter the season. We don’t require application fees and don’t charge penalties if you pay your loan off early.

Young Family with Yellow Lab
lifestyle loan icon

Lifestyle Loan

This loan offers a competitive rate that may be used for a variety of life-event expenses including: weddings, adoptions, cosmetic surgery, LASIK surgery, funeral expenses, infertility treatments, summer camps for kids, uninsured medical/dental expenses, veterinary care and more. This loan offers a low fixed rate with terms from three to five years.

unsecured loan icon

Unsecured Loan

There are times in your life where unexpected expenses arise and putting the charge on a credit card is either costly or not an option.  This loan is suitable for most purposes, including debt consolidation, home improvements, or other discretionary reasons.

credit builder loan icon

Credit Builder Loan

First time borrowers or those with past credit problems will benefit from Vermont Federal's Credit Builder Loan. This loan can help you establish credit if you are a new borrower or wish to re-establish credit and raise your overall credit score.

overdraft line of credit icon

Overdraft Line of Credit

Overdraft Line of Credit automatically transfers money, in increments of $50, if you overdraw your Vermont Federal Share Draft account. This helps you to avoid non-sufficient funds (NSF) fees.*

tax payment loan icon

Tax Payment Loan

Worried that you might owe the State or Federal Government money after completing your tax return? Our short-term loan can assist you with this unexpected expense, with a minimum loan amount of $500 and a standard repayment term of 12 months.

fuel assistance loan icon

Fuel Assistance Loan

This loan is designed to assist you with the cost of heating your home. You can use it to pay your fuel supplier or to buy wood, or pellets, for your stove. The minimum loan amount is $300 with a maximum term of 10 months. Proceeds of the loan are made payable directly to the fuel supplier upon presentation of your invoice.

holiday loan icon

Holiday Loan

The holidays can be stressful enough with long lines and traffic; let us help you this season with all your holiday needs. Take advantage of our Holiday Loan: with a low fixed rate you can keep a little more in your savings account this year.

share secured loan icon

Share Secured Loan

Use your Vermont Federal deposit funds as security for a low-interest loan. This loan can help you build a strong credit history and your savings will continue to earn dividends.**

Still Have Questions?

We’ll help point you in the right direction.