SAVE FOR YOUR FUTURE
Leverage a Vermont Federal IRA account to help you save for retirement, higher-education expenses, or your first house. With three great programs, you can be confident that we have the right account for you.
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Leverage a Vermont Federal IRA account to help you save for retirement, higher-education expenses, or your first house. With three great programs, you can be confident that we have the right account for you.
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
Not Currently Offered
3.04%
Annual Percentage Yield**
Limited Time Offer
4.33%
Annual Percentage Yield**
Annual Percentage Yield
Annual Percentage Yield
Limited Time Offer
25 month variable rate share certificate******
Annual Percentage Yield*
$50 CASH BONUS FOR NEW MEMBERS
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
Not Currently Offered
3.04%
Annual Percentage Yield**
Limited Time Offer
4.33%
Annual Percentage Yield**
Annual Percentage Yield
Annual Percentage Yield
Limited Time Offer
25 month variable rate share certificate******
Annual Percentage Yield*
$50 CASH BONUS FOR NEW MEMBERS
Annual Percentage Yield
Annual Percentage Yield
Annual Percentage Yield
A traditional IRA allows contributions that are tax deductible (within the IRS limits), and grows tax deferred until you withdraw the funds.
Roth IRAs are not tax-deductible, but your investment will grow free of taxes and you will be able to withdraw the money tax-free during retirement.
A Coverdell Education Savings Account is a tax-deferred trust account that was implemented by the U.S. government to help families in funding educational expenses for beneficiaries 18 years old or younger. Exceptions for the age restrictions are made for children with special needs.
* All Rates on this page are subject to change at any time without notice. Fees could reduce earnings on the account. $500 minimum balance required on all certificates except the Youth Advantage Certificate. Rates are the same for certificates in Traditional & Roth IRA's. 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.
**** 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 certificate maturity date.
******APY = Annual Percentage Yield. Early withdrawal penalty will apply. Fees could reduce earnings on account. Minimum balance to open is $500. At the end of the 25 month term, if no action is taken, the account would roll into the 36 month term share certificate with applicable market rates at that time. Must be a member of the Credit Union to open a share certificate. Must be a new member to qualify for bonus cash. Bonus cash deposited to share certificate the business day following account opening. The APY disclosed is accurate as of March 6, 2023. The dividend rate and annual percentage yield may change on the first calendar day of the month based on changes in the Prime Rate as published on the Wall Street Journal’s website (https://www.wsj.com/market-data/bonds/moneyrates) as of the last business day of the previous calendar month to which we subtract 2.75%. Bonus is considered interest and will be reported on IRS form 1099-INT. Offer and rates subject to change anytime without notice.**Must be a new member to qualify for bonus cash.
A traditional IRA allows contributions that are tax deductible (within the IRS limits), and grows tax deferred until you withdraw the funds.
Who can contribute?
How much?
2022:
2023:
Roth IRAs are not tax-deductible, but your investment will grow free of taxes and you will be able to withdraw the money tax-free during retirement.
Who can contribute?
How much?
2022:
2023:
A Coverdell Education Savings Account is a tax-deferred trust account that was implemented by the U.S. government to help families in funding educational expenses for beneficiaries 18 years old or younger. Exceptions for the age restrictions are made for children with special needs.
Who can contribute?
How much?
Still have questions?
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
©2023 VFCU. All Rights Reserved.
NMLS Institutional ID #466013
Routing and Transit number 211691062