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Advertiser Disclosure
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 Vermont Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 29, 2026
Vermont Federal Credit Union's 60 mo Term CD rates are at 3.50%, 60 Month CD rates are at 3.50%, 60 Month IRA CD rates are at 3.50%, 7 mo Term CD rates are at 3.50%, 7 Month CD rates are at 3.50%. Vermont Federal Credit Union's savings rates are at 0.10%. Vermont Federal Credit Union's 3/1 ARM rates are at 5.12%, 15 Year Fixed Rate rates are at 5.75%, 15 Year Fixed Rate rates are at 5.62%, 15 Year Fixed rates are at 5.88%, Advantage Government rates are at 6.00%. Vermont Federal Credit Union's Personal Loan Rates are at 7.50%. MonitorBankRates evaluates the financial stability of Vermont Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.42%. Rates were last updated on 03/29/2026. Vermont Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vermont Federal Credit Union? Share your experience about Vermont Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vermont Federal Credit Union. Vermont Federal Credit Union
Kennedy Drive 275 Kennedy Dr
https://www.vermontfederal.org South Burlington, VT 05403 6706 
Vermont Federal Credit Union CD Rates
Vermont Federal Credit Union Savings Rates
Vermont Federal Credit Union Checking Rates
Vermont Federal Credit Union Mortgage Rates
Vermont Federal Credit Union Home Equity & HELOC
Vermont Federal Credit Union Student Loan Rates
Vermont Federal Credit Union Credit Card Rates
Vermont Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Vermont Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Vermont Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Vermont Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Vermont Federal Credit Union
Website
https://www.vermontfederal.org
Address
275 Kennedy Dr,
South Burlington, VT 05403 6706
Phone
888-252-0202
Fax
President
Megan Manahan Bliss
CEO
Jean Giard
Full-Time Employees
165
Part-Time Employees
9
Branch Locations
8
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.42%
Return on Assets (ROA)
0.6535%
Return on Equity (ROE)
6.3708%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
1,023,338,675
Total Amount of Shares and Deposits
895,589,185
Total Shares and Deposits < 1 Year
863,157,735
Total Shares and Deposits 1 3 Years
17,948,164
Total Shares and Deposits > 3 Years
14,483,286
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
46,907,299
Total Uninsured Shares and Deposits > $250K (F+J)
46,907,299
Total Insured Shares and Deposits > $250K (item 17 less item K)
848,681,886
Total Interest Expense (Sum of items 6 8)
11,558,590
Share Certificates
7,445
Number of Accounts for Share Drafts
43,333
IRA KEOGH Accounts
3,177
Number of Accounts for Regular Shares
71,502
All other shares
1,542
Money Market Shares
5,124
Net Income (unless the amount is already included in Undivided Earnings)
6,687,588
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
34,269,573
Total Liabilities
925,508,863
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Vermont Federal Credit UnionIs Vermont Federal Credit Union a safe place to deposit money?Yes, Vermont Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.424533665582%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Vermont Federal Credit Union operate?Vermont Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Vermont Federal Credit Union?Yes, to access services at Vermont Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Vermont Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Vermont Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Vermont Federal Credit Union offer online and mobile banking?Most modern institutions like Vermont Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vermontfederal.org. Current Vermont Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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