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CD Rate Trends

Lunenburg, Vermont Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 | CD Rates Last Updated and Verified: October 20, 2026

Lunenburg, Vermont CD rates from banks and credit unions serving Vermont range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 20, 2026. Current Lunenburg, Vermont CD rates include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CUA+5.0 ★Texas Ratio: 5.27%Real return: +2.20%APY minus CPI (February 2026) offering New 6 month CD Special at 5.00% APY, TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 4.14%Real return: +1.60%APY minus CPI (February 2026) offering 6 Month CD at 4.40% APY, TD BankTD BankA+5.0 ★Texas Ratio: 3.71%Real return: +1.50%APY minus CPI (February 2026) offering 24 Month TD Choice CD at 4.30% APY, Mascoma BankMascoma BankA+5.0 ★Texas Ratio: 1.41%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month CD/IRA Special at 4.00% APY, and EastRise Credit UnionEastRise Credit UnionA+5.0 ★Texas Ratio: 3.84%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Variable-Rate Certificates - Future Saver Plus at 4.00% APY. CD rates as of October 20, 2026 according to verified data from MonitorBankRates.

Lunenburg is a smaller community with no bank or credit union branches currently in our database. 311 institutions serving the Vermont area are available to Lunenburg residents, with CD rates as high as 5.00% APY from Central Vermont Medical Centerinc CU. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 20, 2026

Compare Best CD Rates in Lunenburg, Vermont & the Surrounding Area

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Lunenburg 3 Month CD Rates

Vermont 3 Month CD Average1.54% APYNational 2.12%▼ 0.23% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Month Certificate of Deposit
$0
3.50% ▲ 1.96% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average1.54%▲ 1.96% above avgNationally 2.12%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 90 Days

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Month Traditional IRA Certificate
$0
3.50% ▲ 1.96% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average1.54%▲ 1.96% above avgNationally 2.12%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 90 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3 Month Term Share Certificate
$1,000
2.75% ▲ 1.21% above Vermont avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average1.54%▲ 1.21% above avgNationally 2.12%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 3 Month
$0
2.75% ▲ 1.21% above Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average1.54%▲ 1.21% above avgNationally 2.12%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 3 Months
$500
2.50% ▲ 0.96% above Vermont avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average1.54%▲ 0.96% above avgNationally 2.12%
Details

Rate History
No change since Sep 11, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 11, 2026: 2.50% APYSep 11, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Day Share Certificates
$0
2.35% ▲ 0.81% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average1.54%▲ 0.81% above avgNationally 2.12%
Details

w/ELR (Enhanced Loyalty Rewards) APY, up to 2.35%

Rate History
1 change since Oct 13, 2026 · 0.25% → 2.35% ▲ 2.10 pts · high 2.35% / low 0.25%
0.00%2.23%4.45%Oct 13, 2026: 0.25% APYOct 15, 2026: 2.35% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20262.35%▲ from 0.25%
  • Oct 13, 20260.25%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00% ▲ 0.46% above Vermont avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average1.54%▲ 0.46% above avgNationally 2.12%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99% ▲ 0.45% above Vermont avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average1.54%▲ 0.45% above avgNationally 2.12%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 3-Month
$0
0.75% ▼ 0.79% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average1.54%▼ 0.79% below avgNationally 2.12%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Day Share Certificates
$0
0.25% ▼ 1.29% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average1.54%▼ 1.29% below avgNationally 2.12%
Details

Balance: $2500 minimum; Standard APY

Rate History
No change since Oct 13, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 13, 2026: 0.25% APYOct 13, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
3 Month Certificate of Deposit (CD)
$200
0.15% ▼ 1.39% below Vermont avg
View
▼
Rate0.15%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average1.54%▼ 1.39% below avgNationally 2.12%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 14, 2026: 0.15% APYOct 14, 2026Oct 20, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
3-Month CD
$0
0.15% ▼ 1.39% below Vermont avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average1.54%▼ 1.39% below avgNationally 2.12%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 20, 2026

Lunenburg 6 Month CD Rates

Vermont 6 Month CD Average2.90% APYNational 2.79%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
New 6 month CD Special
$0
5.00% ▲ 2.10% above Vermont avg
View
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▲ 2.10% above avgNationally 2.79%
Details

Must be funded by new money not currently on deposit; Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 20, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Month CD
$0
4.40% ▲ 1.50% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 1.50% above avgNationally 2.79%
Details

CD Rates; APY (Annual Percentage Yield)

Rate History
1 change since Oct 14, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Oct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYOct 14, 2026Oct 20, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months CD
$0
4.40% ▲ 1.50% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 1.50% above avgNationally 2.79%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 24, 2026 · 3.40% → 4.40% ▲ 1.00 pts · high 4.40% / low 3.40%
2.40%3.90%5.40%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month Certificates
$0
4.00% ▲ 1.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 1.10% above avgNationally 2.79%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 6 months
$0
4.00% ▲ 1.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 1.10% above avgNationally 2.79%
Details

Rate History
1 change since Oct 13, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 13, 2026: 3.90% APYOct 15, 2026: 4.00% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20264.00%▲ from 3.90%
  • Oct 13, 20263.90%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 6 months
$0
4.00% ▲ 1.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 1.10% above avgNationally 2.79%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.90% APYOct 15, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.00%▲ from 3.90%
  • Oct 13, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 6 months
$0
4.00% ▲ 1.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 1.10% above avgNationally 2.79%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
6 Month Certificate of Deposit (CD)
$200
3.82% ▲ 0.92% above Vermont avg
View
▼
Rate3.75%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.92% above avgNationally 2.79%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 20, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month CD
$0
3.70% ▲ 0.80% above Vermont avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.80% above avgNationally 2.79%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Certificate
$0
3.70% ▲ 0.80% above Vermont avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month IRA Certificate
$0
3.70% ▲ 0.80% above Vermont avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Term Share Certificate
$0
3.70% ▲ 0.80% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 6 Months
$500
3.60% ▲ 0.70% above Vermont avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▲ 0.70% above avgNationally 2.79%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 20, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6-month CD
$1,000
3.50% ▲ 0.60% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

CD special; available to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6-month IRA CD
$1,000
3.50% ▲ 0.60% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

IRA CD special; available only to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month Certificate of Deposit
$0
3.50% ▲ 0.60% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 90 Days

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month Traditional IRA Certificate
$0
3.50% ▲ 0.60% above Vermont avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 90 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-month Certificate of Deposit
$500
3.50% ▲ 0.60% above Vermont avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA 6-Month Fixed
$100
3.50% ▲ 0.60% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.60% above avgNationally 2.79%
Details

Individual Retirement Account; no minimum balance required to earn the posted APY; subject to substantial penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
6 Month Jumbo Certificate of Deposit
$100,000
3.35% ▲ 0.45% above Vermont avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.45% above avgNationally 2.79%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
6 Month Jumbo IRA Certificate
$100,000
3.35% ▲ 0.45% above Vermont avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.45% above avgNationally 2.79%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 6 Month
$1,000
3.35% ▲ 0.45% above Vermont avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.45% above avgNationally 2.79%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 20, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.40% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.40% above avgNationally 2.79%
Details

3.30% APY***; Ideal usage: Bridge to a larger financial goal (e.g., car or a home down payment); ATM Access: No; Check Writing: No

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 20, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 6 Month CD
$1,000
3.30% ▲ 0.40% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.40% above avgNationally 2.79%
Details

Must be an owner on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 20, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
CD - 6 Months - 364 Days
$500
3.04% ▲ 0.14% above Vermont avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.14% above avgNationally 2.79%
Details

Penalties may apply for early withdrawal; Current as of 9/28/2026

Rate History
No change since Sep 15, 2026 · 3.04% APY · checked 9 times
2.54%3.04%3.54%Sep 15, 2026: 3.04% APYSep 15, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 6 Month
$500
3.00% ▲ 0.10% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 6-Month
$0
3.00% ▲ 0.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 6-month
$0
3.00% ▲ 0.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 6-month
$0
3.00% ▲ 0.10% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month Term Share Certificate
$1,000
3.00% ▲ 0.10% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 6 Month
$0
3.00% ▲ 0.10% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▲ 0.10% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Month CD
$1,000
2.50% ▼ 0.40% below Vermont avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.90%▼ 0.40% below avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Month IRA CD
$50
2.50% ▼ 0.40% below Vermont avg
View
▼
Rate2.47%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.90%▼ 0.40% below avgNationally 2.79%
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 6 Month CD
$1,000
2.50% ▼ 0.40% below Vermont avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.90%▼ 0.40% below avgNationally 2.79%
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
6 Month Share Certificates
$0
2.45% ▼ 0.45% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▼ 0.45% below avgNationally 2.79%
Details

w/ELR (Enhanced Loyalty Rewards) APY, up to 2.45%

Rate History
1 change since Oct 13, 2026 · 0.35% → 2.45% ▲ 2.10 pts · high 2.45% / low 0.35%
0.00%2.28%4.55%Oct 13, 2026: 0.35% APYOct 15, 2026: 2.45% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20262.45%▲ from 0.35%
  • Oct 13, 20260.35%first recorded
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 6 Months
$500
2.40% ▼ 0.50% below Vermont avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.90%▼ 0.50% below avgNationally 2.79%
Details

Rate History
No change since Sep 11, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 11, 2026: 2.40% APYSep 11, 2026Oct 20, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
6 Month Share Certificates/CD
$0
2.01% ▼ 0.89% below Vermont avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▼ 0.89% below avgNationally 2.79%
Details

Dividend rate set at each quarter end, subject to change; Last dividend declaration date: 09/08/2026

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 6 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
2.00% ▼ 0.90% below Vermont avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▼ 0.90% below avgNationally 2.79%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Youth 6-Month CD
$0
2.00% ▼ 0.90% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▼ 0.90% below avgNationally 2.79%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD Choice CD
$250
1.99% ▼ 0.91% below Vermont avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▼ 0.91% below avgNationally 2.79%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 6 months
$0
1.85% ▼ 1.05% below Vermont avg
View
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▼ 1.05% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 3 times
1.35%1.85%2.35%Sep 14, 2026: 1.85% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 Month Certificates of Deposit (CD)
$0
1.80% ▼ 1.10% below Vermont avg
View
▼
Rate1.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▼ 1.10% below avgNationally 2.79%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$0
0.50% ▼ 2.40% below Vermont avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▼ 2.40% below avgNationally 2.79%
Details

Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month IRA Certificate
$0
0.50% ▼ 2.40% below Vermont avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.90%▼ 2.40% below avgNationally 2.79%
Details

Dividends paid: Monthly

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
6 Month Share Certificates
$0
0.35% ▼ 2.55% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▼ 2.55% below avgNationally 2.79%
Details

Balance: $2500 minimum; Standard APY

Rate History
No change since Oct 13, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 13, 2026: 0.35% APYOct 13, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Business Certificate of Deposit
$500
0.15% ▼ 2.75% below Vermont avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▼ 2.75% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Certificate of Deposit
$500
0.15% ▼ 2.75% below Vermont avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.90%▼ 2.75% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month TD No Catch CD
$0
0.05% ▼ 2.85% below Vermont avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.90%▼ 2.85% below avgNationally 2.79%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 20, 2026

Lunenburg 12 Month CD Rates

Vermont 12 Month CD Average2.88% APYNational 3.00%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 1.27% above Vermont avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 1.27% above avgNationally 3.00%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.15% ▲ 3.15 pts · high 4.15% / low 1.00%
0.00%3.65%7.30%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.15% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.15%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 1.26% above Vermont avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 1.26% above avgNationally 3.00%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.14% ▲ 3.14 pts · high 4.14% / low 1.00%
0.00%3.64%7.28%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.14% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.14%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Months CD
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 19, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYSep 19, 2026Oct 20, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 3.95%
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12-Month CD/IRA Special
$500
4.00% ▲ 1.12% above Vermont avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 11, 2026: 3.75% APYSep 19, 2026: 4.00% APYSep 11, 2026Oct 20, 2026
  • Sep 19, 20264.00%▲ from 3.75%
  • Sep 11, 20263.75%first recorded
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month Variable-Rate Certificates - Future Saver Plus
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Balance: $25 - $5,000.00; Tiered rate account; dividend rate applies only to the portion of balance within tier

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
12 Month Certificates
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 12 months
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Rate History
1 change since Oct 13, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 13, 2026: 3.90% APYOct 15, 2026: 4.00% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20264.00%▲ from 3.90%
  • Oct 13, 20263.90%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 12 months
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.90% APYOct 15, 2026: 4.00% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20264.00%▲ from 3.90%
  • Oct 13, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 12 months
$0
4.00% ▲ 1.12% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 1.12% above avgNationally 3.00%
Details

Rate History
No change since Oct 15, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 20, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12-month CD
$1,000
3.75% ▲ 0.87% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.87% above avgNationally 3.00%
Details

CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12-month IRA CD
$1,000
3.75% ▲ 0.87% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.87% above avgNationally 3.00%
Details

IRA CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12 Month Premier Term Share Certificate
$1,000
3.75% ▲ 0.87% above Vermont avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▲ 0.87% above avgNationally 3.00%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
12 Month Certificate of Deposit (CD)
$200
3.56% ▲ 0.68% above Vermont avg
View
▼
Rate3.50%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.68% above avgNationally 3.00%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 20, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12-Month CD
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 1-Year
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 1-year
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 1-year
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Certificate
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month IRA Certificate
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Term Share Certificate
$0
3.55% ▲ 0.67% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.67% above avgNationally 3.00%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1 Year Jumbo Certificate of Deposit
$100,000
3.51% ▲ 0.63% above Vermont avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.63% above avgNationally 3.00%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1 Year Jumbo IRA Certificate
$100,000
3.51% ▲ 0.63% above Vermont avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.63% above avgNationally 3.00%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 1 year
$500
3.51% ▲ 0.63% above Vermont avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.63% above avgNationally 3.00%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 20, 2026: 3.51% APYOct 20, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1-Year Certificate of Deposit
$500
3.50% ▲ 0.62% above Vermont avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.62% above avgNationally 3.00%
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA 1-Year Fixed
$100
3.50% ▲ 0.62% above Vermont avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.62% above avgNationally 3.00%
Details

Individual Retirement Account; no minimum balance required to earn the posted APY; subject to substantial penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 12 Month
$500
3.40% ▲ 0.52% above Vermont avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.52% above avgNationally 3.00%
Details

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 12 Months
$500
3.40% ▲ 0.52% above Vermont avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▲ 0.52% above avgNationally 3.00%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 20, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
IRA - 12 Months
$500
3.29% ▲ 0.41% above Vermont avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.41% above avgNationally 3.00%
Details

Penalties may apply for early withdrawal; Earnings may be reduced by fees (if applicable); Current as of 9/28/2026

Rate History
No change since Sep 15, 2026 · 3.29% APY · checked 8 times
2.79%3.29%3.79%Sep 15, 2026: 3.29% APYSep 15, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Year Online CD
$0
3.25% ▲ 0.37% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.88%▲ 0.37% above avgNationally 3.00%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
12 Month Seedling Certificate
$0
3.25% ▲ 0.37% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▲ 0.37% above avgNationally 3.00%
Details

Limit of one per member

Rate History
No change since Oct 15, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12 Month Term Share Certificate
$1,000
3.25% ▲ 0.37% above Vermont avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▲ 0.37% above avgNationally 3.00%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 17, 2026: 3.25% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 12 Month
$0
3.25% ▲ 0.37% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▲ 0.37% above avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Flex CD
$1,000
3.00% ▲ 0.12% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▲ 0.12% above avgNationally 3.00%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month Flex CD
$1,000
3.00% ▲ 0.12% above Vermont avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▲ 0.12% above avgNationally 3.00%
Details

Rate History
No change since Sep 28, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 28, 2026: 3.00% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month CD
$1,000
2.75% ▼ 0.13% below Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month IRA CD
$50
2.75% ▼ 0.13% below Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Rollover CD
$1,000
2.75% ▼ 0.13% below Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Rollover IRA CD
$50
2.75% ▼ 0.13% below Vermont avg
View
▼
Rate2.71%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month CD
$1,000
2.75% ▼ 0.13% below Vermont avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.13% below avgNationally 3.00%
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1 Year IRA, Roth IRA Certificates - w/ELR
$1,000
2.60% ▼ 0.28% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▼ 0.28% below avgNationally 3.00%
Details

Up to 2.60% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 13, 2026: 2.60% APYOct 13, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
12 Month Certificate of Deposit
$0
2.50% ▼ 0.38% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.38% below avgNationally 3.00%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
12 Month Traditional IRA Certificate
$0
2.50% ▼ 0.38% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.88%▼ 0.38% below avgNationally 3.00%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
12 Month Variable-Rate Certificates - Future Saver
$0
2.50% ▼ 0.38% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.88%▼ 0.38% below avgNationally 3.00%
Details

Tiered rate account; dividend rate applies only to the portion of balance within tier

Rate History
No change since Oct 15, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 15, 2026: 2.50% APYOct 15, 2026Oct 20, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
12 Month Share Certificates/CD
$0
2.26% ▼ 0.62% below Vermont avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▼ 0.62% below avgNationally 3.00%
Details

Dividend rate set at each quarter end, subject to change; Last dividend declaration date: 09/08/2026

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.26% ▼ 0.24 pts · high 2.50% / low 2.26%
1.76%2.38%3.00%Sep 18, 2026: 2.50% APYOct 19, 2026: 2.26% APYSep 18, 2026Oct 20, 2026
  • Oct 19, 20262.26%▼ from 2.50%
  • Sep 18, 20262.50%first recorded
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 1 Year RGC
$500
2.20% ▼ 0.68% below Vermont avg
View
▼
Rate2.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.88%▼ 0.68% below avgNationally 3.00%
Details

Relationship Gold Checking Account required

Rate History
No change since Sep 11, 2026 · 2.20% APY · checked 7 times
1.70%2.20%2.70%Sep 11, 2026: 2.20% APYSep 11, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 1 Year
$500
2.15% ▼ 0.73% below Vermont avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.88%▼ 0.73% below avgNationally 3.00%
Details

Rate History
No change since Sep 11, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 11, 2026: 2.15% APYSep 11, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 12 months
$0
2.10% ▼ 0.78% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▼ 0.78% below avgNationally 3.00%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
12 Month Certificates of Deposit (CD)
$0
2.00% ▼ 0.88% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▼ 0.88% below avgNationally 3.00%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Smart Savers 1 Year Term
$0
1.70% ▼ 1.18% below Vermont avg
View
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▼ 1.18% below avgNationally 3.00%
Details

Dividends paid monthly.

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$0
0.60% ▼ 2.28% below Vermont avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.88%▼ 2.28% below avgNationally 3.00%
Details

Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 20, 2026

Lunenburg 18 Month CD Rates

Vermont 18 Month CD Average2.95% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.30% above Vermont avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 1.30% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
0.00%3.75%7.50%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.25% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.25%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.29% above Vermont avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 1.29% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.24% ▲ 3.24 pts · high 4.24% / low 1.00%
0.00%3.74%7.48%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.24% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.24%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.00% ▲ 1.05% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 1.05% above avgNationally 2.88%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYSep 19, 2026Oct 20, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.90% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 20, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$1,000
3.85% ▲ 0.90% above Vermont avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
18-Month CD/IRA Special
$500
3.85% ▲ 0.90% above Vermont avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.95%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 11, 2026: 3.85% APYSep 11, 2026Oct 20, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
CD Specials - 18 Months
$10,000
3.82% ▲ 0.87% above Vermont avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 0.87% above avgNationally 2.88%
Details

Terms: 18 months, fixed-rate; $10,000.00 minimum balance to open and to earn APY; Available as an IRA; auto-renewable; paperless (statement only); interest credited monthly to a deposit account or the CD; 90 days interest penalty for early withdrawal; Annual Percentage Yield accurate as of September 2, 2026

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 18 Month
$500
3.75% ▲ 0.80% above Vermont avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 0.80% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month Certificates
$0
3.70% ▲ 0.75% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 18 months
$0
3.70% ▲ 0.75% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 18 months
$0
3.70% ▲ 0.75% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 18 months
$0
3.70% ▲ 0.75% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▲ 0.75% above avgNationally 2.88%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18-Month CD
$0
3.60% ▲ 0.65% above Vermont avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.95%▲ 0.65% above avgNationally 2.88%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18 Month Premier Term Share Certificate
$1,000
3.30% ▲ 0.35% above Vermont avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▲ 0.35% above avgNationally 2.88%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 17, 2026: 3.30% APYSep 17, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 18 Months
$500
3.20% ▲ 0.25% above Vermont avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▲ 0.25% above avgNationally 2.88%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18 Month Term Share Certificate
$1,000
2.80% ▼ 0.15% below Vermont avg
View
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▼ 0.15% below avgNationally 2.88%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.80% APY · checked 8 times
2.30%2.80%3.30%Sep 17, 2026: 2.80% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 18 Month
$0
2.80% ▼ 0.15% below Vermont avg
View
▼
Rate2.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▼ 0.15% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Certificate
$0
2.75% ▼ 0.20% below Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month IRA Certificate
$0
2.75% ▼ 0.20% below Vermont avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Term Share Certificate
$0
2.75% ▼ 0.20% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month IRA, Roth IRA Certificates - w/ELR
$1,000
2.65% ▼ 0.30% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 0.30% below avgNationally 2.88%
Details

Up to 2.65% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 13, 2026: 2.65% APYOct 13, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month Certificate of Deposit
$0
2.50% ▼ 0.45% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.95%▼ 0.45% below avgNationally 2.88%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month Traditional IRA Certificate
$0
2.50% ▼ 0.45% below Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.95%▼ 0.45% below avgNationally 2.88%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 18 months
$0
2.10% ▼ 0.85% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▼ 0.85% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 3 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
18 Month Certificates of Deposit (CD)
$0
1.80% ▼ 1.15% below Vermont avg
View
▼
Rate1.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▼ 1.15% below avgNationally 2.88%
Details

Term: 18 months (no-penalty); No-penalty term; Dividends paid monthly

Rate History
No change since Oct 19, 2026 · 1.80% APY
1.30%1.80%2.30%Oct 19, 2026: 1.80% APYOct 19, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month IRA, Roth IRA Certificates
$1,000
0.55% ▼ 2.40% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 2.40% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Share Certificates
$0
0.45% ▼ 2.50% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.95%▼ 2.50% below avgNationally 2.88%
Details

$1000 Minimum

Rate History
No change since Oct 5, 2026 · 0.45% APY · checked 2 times
0.00%0.48%0.95%Oct 5, 2026: 0.45% APYOct 5, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 1.5 Years
$500
0.25% ▼ 2.70% below Vermont avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.95%▼ 2.70% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
IRA 1.5 Years Variable Rate
$25
0.25% ▼ 2.70% below Vermont avg
View
▼
Rate0.25%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.95%▼ 2.70% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
18 Month Social Share Certificates
$500
0.20% ▼ 2.75% below Vermont avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.95%▼ 2.75% below avgNationally 2.88%
Details

Rates effective 6/22/26; Additional funds cannot be added to an existing Certificate

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 20, 2026

Lunenburg 24 Month CD Rates

Vermont 24 Month CD Average2.41% APYNational 2.90%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.89% above Vermont avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.89% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.30% ▲ 3.30 pts · high 4.30% / low 1.00%
0.00%3.80%7.60%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.30%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.88% above Vermont avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.88% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 4.29% ▲ 3.29 pts · high 4.29% / low 1.00%
0.00%3.79%7.58%Sep 24, 2026: 1.00% APYOct 20, 2026: 4.29% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20264.29%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month HSA Certificates - Sapling
$0
3.80% ▲ 1.39% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.39% above avgNationally 2.90%
Details

Variable rate; Early withdrawal penalty may affect actual APY

Rate History
No change since Oct 15, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month IRA Certificate - Sapling
$0
3.80% ▲ 1.39% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.39% above avgNationally 2.90%
Details

Variable rate

Rate History
No change since Oct 15, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Sapling Certificate
$0
3.80% ▲ 1.39% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.39% above avgNationally 2.90%
Details

Variable rate

Rate History
No change since Oct 15, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 15, 2026: 3.80% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - Sapling (24 months)
$0
3.80% ▲ 1.39% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.39% above avgNationally 2.90%
Details

Variable rate

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
3.05%3.68%4.30%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.80% APYSep 14, 2026Oct 20, 2026
  • Oct 13, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Month IRA CD
$50
3.75% ▲ 1.34% above Vermont avg
View
▼
Rate3.68%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.41%▲ 1.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 24 Month CD
$1,000
3.75% ▲ 1.34% above Vermont avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.41%▲ 1.34% above avgNationally 2.90%
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Certificates
$0
3.70% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.29% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 24 months
$0
3.70% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.29% above avgNationally 2.90%
Details

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 24 months
$0
3.70% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.29% above avgNationally 2.90%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 24 months
$0
3.70% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.29% above avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
2 Year Jumbo Certificate of Deposit
$100,000
3.56% ▲ 1.15% above Vermont avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.15% above avgNationally 2.90%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
2 Year Jumbo IRA Certificate
$100,000
3.56% ▲ 1.15% above Vermont avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.15% above avgNationally 2.90%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 2 year
$500
3.56% ▲ 1.15% above Vermont avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.15% above avgNationally 2.90%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 20, 2026: 3.56% APYOct 20, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 2-Year
$0
3.55% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.14% above avgNationally 2.90%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 2-year
$0
3.55% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 2-year
$0
3.55% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 1.14% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs - 104 week (~2 year)
$250,000
3.41% ▲ 1.00% above Vermont avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 1.00% above avgNationally 2.90%
Details

Opening Deposit: IRAs 250,000

Rate History
No change since Oct 20, 2026 · 3.41% APY
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 20, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
24-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.89% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 0.89% above avgNationally 2.90%
Details

3.30% APY****; Ideal usage: Medium to long-term goals where you don't need money right away (e.g., planning a major purchase or building wealth safely); ATM Access: No; Check Writing: No

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 20, 2026
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 24 Month CD
$1,000
3.30% ▲ 0.89% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 0.89% above avgNationally 2.90%
Details

Must be an owner on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity

Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24 Month Premier Term Share Certificate
$1,000
3.20% ▲ 0.79% above Vermont avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▲ 0.79% above avgNationally 2.90%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 17, 2026: 3.20% APYSep 17, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2 Year Online CD
$0
3.00% ▲ 0.59% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 24 Months
$500
3.00% ▲ 0.59% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▲ 0.59% above avgNationally 2.90%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Certificate
$0
2.95% ▲ 0.54% above Vermont avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 8 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month IRA Certificate
$0
2.95% ▲ 0.54% above Vermont avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Term Share Certificate
$0
2.95% ▲ 0.54% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 0.54% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 25, 2026: 2.95% APYSep 25, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2 Year IRA, Roth IRA Certificates - w/ELR
$1,000
2.80% ▲ 0.39% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▲ 0.39% above avgNationally 2.90%
Details

Up to 2.80% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 13, 2026: 2.80% APYOct 13, 2026Oct 20, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
CD - 24 Months
$500
2.78% ▲ 0.37% above Vermont avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 0.37% above avgNationally 2.90%
Details

Penalties may apply for early withdrawal; Current as of 9/28/2026

Rate History
No change since Sep 15, 2026 · 2.78% APY · checked 9 times
2.28%2.78%3.28%Sep 15, 2026: 2.78% APYSep 15, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
24 Month Certificate of Deposit (CD)
$200
2.78% ▲ 0.37% above Vermont avg
View
▼
Rate2.75%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▲ 0.37% above avgNationally 2.90%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 14, 2026: 2.78% APYOct 14, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24 Month Term Share Certificate
$1,000
2.70% ▲ 0.29% above Vermont avg
View
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▲ 0.29% above avgNationally 2.90%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.70% APY · checked 8 times
2.20%2.70%3.20%Sep 17, 2026: 2.70% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 24 Month
$0
2.70% ▲ 0.29% above Vermont avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▲ 0.29% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 Month Certificate of Deposit
$0
2.25% ▼ 0.16% below Vermont avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.41%▼ 0.16% below avgNationally 2.90%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 Month Traditional IRA Certificate
$0
2.25% ▼ 0.16% below Vermont avg
View
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.41%▼ 0.16% below avgNationally 2.90%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 24 months
$0
2.15% ▼ 0.26% below Vermont avg
View
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 0.26% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 3 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
24 Month Certificates of Deposit (CD)
$0
2.05% ▼ 0.36% below Vermont avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 0.36% below avgNationally 2.90%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 2 Year
$500
1.50% ▼ 0.91% below Vermont avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▼ 0.91% below avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$0
1.00% ▼ 1.41% below Vermont avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 1.41% below avgNationally 2.90%
Details

Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month IRA Certificate
$0
1.00% ▼ 1.41% below Vermont avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 1.41% below avgNationally 2.90%
Details

Dividends paid: Monthly

Rate History
No change since Oct 19, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$0
0.90% ▼ 1.51% below Vermont avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 1.51% below avgNationally 2.90%
Details

Balance: $500-$1,999; Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month IRA Certificate
$0
0.90% ▼ 1.51% below Vermont avg
View
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 1.51% below avgNationally 2.90%
Details

Balance: $500-$1,999; Dividends paid: Monthly

Rate History
No change since Oct 19, 2026 · 0.90% APY
0.40%0.90%1.40%Oct 19, 2026: 0.90% APYOct 19, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2 Year IRA, Roth IRA Certificates
$1,000
0.70% ▼ 1.71% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▼ 1.71% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 6 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Oct 20, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
Youth CD - 24 Months
$0
0.59% ▼ 1.82% below Vermont avg
View
▼
Rate0.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.41%▼ 1.82% below avgNationally 2.90%
Details

Minimum balance to earn APY is $100.00 and can be added to in $25.00 increments; a penalty may be imposed for early withdrawal of funds

Rate History
No change since Oct 20, 2026 · 0.59% APY · checked 2 times
0.09%0.59%1.09%Oct 20, 2026: 0.59% APYOct 20, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2 Year Share Certificates
$0
0.50% ▼ 1.91% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▼ 1.91% below avgNationally 2.90%
Details

$1000 Minimum

Rate History
No change since Oct 5, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 5, 2026: 0.50% APYOct 5, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 2 Years
$500
0.35% ▼ 2.06% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.41%▼ 2.06% below avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 11, 2026: 0.35% APYSep 11, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Business Certificate of Deposit
$500
0.35% ▼ 2.06% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▼ 2.06% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Certificate of Deposit
$500
0.35% ▼ 2.06% below Vermont avg
View
▼
Rate0.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.41%▼ 2.06% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
24 Month Social Share Certificates
$500
0.30% ▼ 2.11% below Vermont avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.41%▼ 2.11% below avgNationally 2.90%
Details

Rates effective 6/22/26; Additional funds cannot be added to an existing Certificate

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 20, 2026

Lunenburg 36 Month CD Rates

Vermont 36 Month CD Average2.37% APYNational 2.82%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month Certificates
$0
3.70% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.33% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 36 months
$0
3.70% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.33% above avgNationally 2.82%
Details

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 36 months
$0
3.70% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.33% above avgNationally 2.82%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 36 months
$0
3.70% ▲ 1.33% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.33% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 3-Year
$0
3.65% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.28% above avgNationally 2.82%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 3-year
$0
3.65% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.28% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 3-year
$0
3.65% ▲ 1.28% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.28% above avgNationally 2.82%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 Year Jumbo Certificate of Deposit
$100,000
3.61% ▲ 1.24% above Vermont avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▲ 1.24% above avgNationally 2.82%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 Year Jumbo IRA Certificate
$100,000
3.61% ▲ 1.24% above Vermont avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▲ 1.24% above avgNationally 2.82%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 3 year
$500
3.61% ▲ 1.24% above Vermont avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▲ 1.24% above avgNationally 2.82%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 20, 2026: 3.61% APYOct 20, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.50% ▲ 1.13% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 1.13% above avgNationally 2.82%
Details

Up to 3.50% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
CDARS Certificates of Deposit & IRAs - 156 week (~3 year)
$250,000
3.46% ▲ 1.09% above Vermont avg
View
▼
Rate3.40%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▲ 1.09% above avgNationally 2.82%
Details

Opening Deposit: IRAs 250,000

Rate History
No change since Oct 20, 2026 · 3.46% APY
2.96%3.46%3.96%Oct 20, 2026: 3.46% APYOct 20, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Certificate
$0
3.15% ▲ 0.78% above Vermont avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 0.78% above avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month IRA Certificate
$0
3.15% ▲ 0.78% above Vermont avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 0.78% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Term Share Certificate
$0
3.15% ▲ 0.78% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 0.78% above avgNationally 2.82%
Details

Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 25, 2026: 3.15% APYSep 25, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36 Month Premier Term Share Certificate
$1,000
3.10% ▲ 0.73% above Vermont avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▲ 0.73% above avgNationally 2.82%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 17, 2026: 3.10% APYSep 17, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3-Year Certificate of Deposit
$500
3.00% ▲ 0.63% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 0.63% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA 3-Year Fixed
$100
3.00% ▲ 0.63% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▲ 0.63% above avgNationally 2.82%
Details

Individual Retirement Account; no minimum balance required to earn the posted APY; subject to substantial penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 36 Month Special
$0
3.00% ▲ 0.63% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▲ 0.63% above avgNationally 2.82%
Details

Special term: 36 month special

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 36 Months
$500
3.00% ▲ 0.63% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▲ 0.63% above avgNationally 2.82%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month CD
$1,000
2.85% ▲ 0.48% above Vermont avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.37%▲ 0.48% above avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 6 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month IRA CD
$50
2.85% ▲ 0.48% above Vermont avg
View
▼
Rate2.81%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.37%▲ 0.48% above avgNationally 2.82%
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 36 Month CD
$1,000
2.85% ▲ 0.48% above Vermont avg
View
▼
Rate2.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.37%▲ 0.48% above avgNationally 2.82%
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Year Online CD
$0
2.75% ▲ 0.38% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▲ 0.38% above avgNationally 2.82%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36 Month Term Share Certificate
$1,000
2.60% ▲ 0.23% above Vermont avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▲ 0.23% above avgNationally 2.82%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 17, 2026: 2.60% APYSep 17, 2026Oct 20, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 36 Month
$0
2.60% ▲ 0.23% above Vermont avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▲ 0.23% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month Certificate of Deposit
$0
2.50% ▲ 0.13% above Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.37%▲ 0.13% above avgNationally 2.82%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month Traditional IRA Certificate
$0
2.50% ▲ 0.13% above Vermont avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.37%▲ 0.13% above avgNationally 2.82%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
36 Month Certificates of Deposit (CD)
$0
2.05% ▼ 0.32% below Vermont avg
View
▼
Rate2.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▼ 0.32% below avgNationally 2.82%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 7 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
2.00% ▼ 0.37% below Vermont avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▼ 0.37% below avgNationally 2.82%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 3 Year
$500
2.00% ▼ 0.37% below Vermont avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▼ 0.37% below avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Year TD Choice CD
$250
1.99% ▼ 0.38% below Vermont avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▼ 0.38% below avgNationally 2.82%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Year IRA, Roth IRA Certificates
$1,000
1.40% ▼ 0.97% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▼ 0.97% below avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
36 Month Certificate
$0
1.20% ▼ 1.17% below Vermont avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▼ 1.17% below avgNationally 2.82%
Details

Dividends paid: Monthly

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 20, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
36 Month IRA Certificate
$0
1.20% ▼ 1.17% below Vermont avg
View
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▼ 1.17% below avgNationally 2.82%
Details

Dividends paid: Monthly

Rate History
No change since Oct 19, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 19, 2026: 1.20% APYOct 19, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Year Share Certificates
$0
1.05% ▼ 1.32% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▼ 1.32% below avgNationally 2.82%
Details

$1000 Minimum

Rate History
No change since Oct 5, 2026 · 1.05% APY · checked 2 times
0.55%1.05%1.55%Oct 5, 2026: 1.05% APYOct 5, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
36 Month Certificate of Deposit (CD)
$200
0.60% ▼ 1.77% below Vermont avg
View
▼
Rate0.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.37%▼ 1.77% below avgNationally 2.82%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 3 Years
$500
0.40% ▼ 1.97% below Vermont avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.37%▼ 1.97% below avgNationally 2.82%
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Certificate of Deposit
$500
0.40% ▼ 1.97% below Vermont avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▼ 1.97% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
36 Month Social Share Certificates
$500
0.40% ▼ 1.97% below Vermont avg
View
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.37%▼ 1.97% below avgNationally 2.82%
Details

Rates effective 6/22/26; Additional funds cannot be added to an existing Certificate

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 - 36 Month KidSaver Toucan CD
$100
0.35% ▼ 2.02% below Vermont avg
View
▼
Rate0.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.37%▼ 2.02% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 20, 2026

Lunenburg 48 Month CD Rates

Vermont 48 Month CD Average2.63% APYNational 2.82%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month Certificates
$0
3.70% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.07% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 48 months
$0
3.70% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.07% above avgNationally 2.82%
Details

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 48 months
$0
3.70% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.07% above avgNationally 2.82%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 48 months
$0
3.70% ▲ 1.07% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.07% above avgNationally 2.82%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
4 Year Jumbo Certificate of Deposit
$100,000
3.66% ▲ 1.03% above Vermont avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▲ 1.03% above avgNationally 2.82%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
4 Year Jumbo IRA Certificate
$100,000
3.66% ▲ 1.03% above Vermont avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▲ 1.03% above avgNationally 2.82%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 4 year
$500
3.66% ▲ 1.03% above Vermont avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▲ 1.03% above avgNationally 2.82%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.65% ▲ 1.02% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.02% above avgNationally 2.82%
Details

Up to 3.65% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 4-Year
$0
3.65% ▲ 1.02% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.02% above avgNationally 2.82%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 4-year
$0
3.65% ▲ 1.02% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.02% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 4-year
$0
3.65% ▲ 1.02% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 1.02% above avgNationally 2.82%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Certificate
$0
3.25% ▲ 0.62% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 0.62% above avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month IRA Certificate
$0
3.25% ▲ 0.62% above Vermont avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 0.62% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Term Share Certificate
$0
3.25% ▲ 0.62% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 0.62% above avgNationally 2.82%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
4-Year Certificate of Deposit
$500
3.00% ▲ 0.37% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 0.37% above avgNationally 2.82%
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 20, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA 4-Year Fixed
$100
3.00% ▲ 0.37% above Vermont avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▲ 0.37% above avgNationally 2.82%
Details

Individual Retirement Account; no minimum balance required to earn the posted APY; subject to substantial penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 48 Months
$500
3.00% ▲ 0.37% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.63%▲ 0.37% above avgNationally 2.82%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month CD
$1,000
2.95% ▲ 0.32% above Vermont avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.63%▲ 0.32% above avgNationally 2.82%
Details

A penalty may be imposed for early withdrawal from CDs.

Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month IRA CD
$50
2.95% ▲ 0.32% above Vermont avg
View
▼
Rate2.91%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.63%▲ 0.32% above avgNationally 2.82%
Details

A penalty may be imposed for early withdrawal from CDs held in an IRA; IRS penalties may also apply.

Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 48 Month CD
$1,000
2.95% ▲ 0.32% above Vermont avg
View
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.63%▲ 0.32% above avgNationally 2.82%
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 5 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
4 Year Online CD
$0
2.75% ▲ 0.12% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▲ 0.12% above avgNationally 2.82%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 Month Certificate of Deposit
$0
2.75% ▲ 0.12% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.63%▲ 0.12% above avgNationally 2.82%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
48 Month Traditional IRA Certificate
$0
2.75% ▲ 0.12% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.63%▲ 0.12% above avgNationally 2.82%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 48 months
$0
2.20% ▼ 0.43% below Vermont avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.63%▼ 0.43% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 4 Year
$500
2.15% ▼ 0.48% below Vermont avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▼ 0.48% below avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 14, 2026: 2.15% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
48 Month Certificates of Deposit (CD)
$0
2.10% ▼ 0.53% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.63%▼ 0.53% below avgNationally 2.82%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
4 Year TD Choice CD
$0
1.99% ▼ 0.64% below Vermont avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.63%▼ 0.64% below avgNationally 2.82%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year IRA, Roth IRA Certificates
$1,000
1.55% ▼ 1.08% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▼ 1.08% below avgNationally 2.82%
Details

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 6 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year Share Certificates
$0
1.30% ▼ 1.33% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▼ 1.33% below avgNationally 2.82%
Details

$1000 Minimum

Rate History
No change since Oct 5, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Oct 5, 2026: 1.30% APYOct 5, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
48 Month Social Share Certificates
$500
0.50% ▼ 2.13% below Vermont avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.63%▼ 2.13% below avgNationally 2.82%
Details

Rates effective 6/22/26; Additional funds cannot be added to an existing Certificate

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 4 Years
$500
0.45% ▼ 2.18% below Vermont avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.63%▼ 2.18% below avgNationally 2.82%
Details

Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 11, 2026: 0.45% APYSep 11, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Month Certificate of Deposit
$500
0.45% ▼ 2.18% below Vermont avg
View
▼
Rate0.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.63%▼ 2.18% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 20, 2026

Lunenburg 60 Month CD Rates

Vermont 60 Month CD Average2.36% APYNational 2.93%▼ 0.18% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.85% ▲ 1.49% above Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.49% above avgNationally 2.93%
Details

Up to 3.85% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
5 Year Jumbo Certificate of Deposit
$100,000
3.71% ▲ 1.35% above Vermont avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▲ 1.35% above avgNationally 2.93%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
5 Year Jumbo IRA Certificate
$100,000
3.71% ▲ 1.35% above Vermont avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▲ 1.35% above avgNationally 2.93%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 20, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Certificate of Deposit - 5 year
$500
3.71% ▲ 1.35% above Vermont avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▲ 1.35% above avgNationally 2.93%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 20, 2026: 3.71% APYOct 20, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month Certificates
$0
3.70% ▲ 1.34% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.34% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 60 months
$0
3.70% ▲ 1.34% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.34% above avgNationally 2.93%
Details

Rate History
1 change since Oct 13, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Oct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYOct 13, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 60 months
$0
3.70% ▲ 1.34% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.34% above avgNationally 2.93%
Details

Early withdrawal penalty may affect actual APY

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.70% / low 3.55%
3.05%3.63%4.20%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYOct 15, 2026: 3.70% APYSep 14, 2026Oct 20, 2026
  • Oct 15, 20263.70%▲ from 3.60%
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA Certificate - 60 months
$0
3.70% ▲ 1.34% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.34% above avgNationally 2.93%
Details

Rate History
No change since Oct 15, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 15, 2026: 3.70% APYOct 15, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Business Certificate 5-Year
$0
3.65% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.29% above avgNationally 2.93%
Details

Business Certificates; APY reflects current minimum APY; early withdrawal penalties may apply

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Fixed-Rate Certificates - 5-year
$0
3.65% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.29% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 20, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
IRA Certificate 5-year
$0
3.65% ▲ 1.29% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.29% above avgNationally 2.93%
Details

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificate
$0
3.50% ▲ 1.14% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.14% above avgNationally 2.93%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month IRA Certificate
$0
3.50% ▲ 1.14% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.14% above avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Term Share Certificate
$0
3.50% ▲ 1.14% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.14% above avgNationally 2.93%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 20, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate
$0
3.50% ▲ 1.14% above Vermont avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▲ 1.14% above avgNationally 2.93%
Details

Youth Advantage account

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 Month CD
$1,000
3.05% ▲ 0.69% above Vermont avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.36%▲ 0.69% above avgNationally 2.93%
Details

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 Month IRA CD
$50
3.05% ▲ 0.69% above Vermont avg
View
▼
Rate3.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.36%▲ 0.69% above avgNationally 2.93%
Details

IRA CD; penalty may be imposed for early withdrawal

Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 3 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Oct 20, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 60 Month CD
$1,000
3.05% ▲ 0.69% above Vermont avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.36%▲ 0.69% above avgNationally 2.93%
Details

Rate History
No change since Sep 28, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 28, 2026: 3.05% APYSep 28, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 Month Certificate of Deposit
$0
3.00% ▲ 0.64% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.36%▲ 0.64% above avgNationally 2.93%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 20, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 Month Traditional IRA Certificate
$0
3.00% ▲ 0.64% above Vermont avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Vermont Average2.36%▲ 0.64% above avgNationally 2.93%
Details

Interest Payment Frequency: Flexible; Interest Penalty: 180 Days; Open an Account; IRA (Individual Retirement Account) Traditional & Roth

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Share Certificates - 60 Months
$500
3.00% ▲ 0.64% above Vermont avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.36%▲ 0.64% above avgNationally 2.93%
Details

Rates effective 6/22/26

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
5 Year Online CD
$0
2.75% ▲ 0.39% above Vermont avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▲ 0.39% above avgNationally 2.93%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Online CD - 5 Year
$0
2.75% ▲ 0.39% above Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▲ 0.39% above avgNationally 2.93%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 20, 2026
Brattleboro S&L
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
Certificate of Deposit - 5 Year
$500
2.25% ▼ 0.11% below Vermont avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 0.11% below avgNationally 2.93%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificates - 60 months
$0
2.20% ▼ 0.16% below Vermont avg
View
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.36%▼ 0.16% below avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 3 times
1.70%2.20%2.70%Sep 14, 2026: 2.20% APYSep 14, 2026Oct 20, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
60 Month Certificates of Deposit (CD)
$0
2.10% ▼ 0.26% below Vermont avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.36%▼ 0.26% below avgNationally 2.93%
Details

Dividends paid monthly

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
2.00% ▼ 0.36% below Vermont avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 0.36% below avgNationally 2.93%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 2.00% ▲ 1.00 pts · high 2.00% / low 1.00%
0.00%1.50%3.00%Sep 24, 2026: 1.00% APYOct 20, 2026: 2.00% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20262.00%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Youth Savers 5 Year Term
$0
2.00% ▼ 0.36% below Vermont avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.36%▼ 0.36% below avgNationally 2.93%
Details

Dividends paid monthly.

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 20, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
5 Year TD Choice CD
$250
1.99% ▼ 0.37% below Vermont avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 0.37% below avgNationally 2.93%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
1 change since Sep 24, 2026 · 1.00% → 1.99% ▲ 0.99 pts · high 1.99% / low 1.00%
0.01%1.50%2.98%Sep 24, 2026: 1.00% APYOct 20, 2026: 1.99% APYSep 24, 2026Oct 20, 2026
  • Oct 20, 20261.99%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year IRA, Roth IRA Certificates
$1,000
1.75% ▼ 0.61% below Vermont avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▼ 0.61% below avgNationally 2.93%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 20, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year Share Certificates
$0
1.40% ▼ 0.96% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▼ 0.96% below avgNationally 2.93%
Details

$1000 Minimum

Rate History
No change since Oct 5, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 5, 2026: 1.40% APYOct 5, 2026Oct 20, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5 Year Certificate of Deposit
$0
1.25% ▼ 1.11% below Vermont avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 1.11% below avgNationally 2.93%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 20, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Jumbo CD
$0
1.23% ▼ 1.13% below Vermont avg
View
▼
Rate1.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 1.13% below avgNationally 2.93%
Details

Balance: $100,000 +; Annual Percentage Yield accurate as of August 16, 2024

Rate History
No change since Sep 19, 2026 · 1.23% APY · checked 10 times
0.73%1.23%1.73%Sep 19, 2026: 1.23% APYSep 19, 2026Oct 20, 2026
Community National Bank (VT)
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
60 Month Regular CD
$0
1.01% ▼ 1.35% below Vermont avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 1.35% below avgNationally 2.93%
Details

Balance: $2,500 - $99,999.99; Annual Percentage Yield accurate as of August 16, 2024

Rate History
No change since Sep 19, 2026 · 1.01% APY · checked 10 times
0.51%1.01%1.51%Sep 19, 2026: 1.01% APYSep 19, 2026Oct 20, 2026
Wells River Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
60 Month Certificate of Deposit (CD)
$200
0.60% ▼ 1.76% below Vermont avg
View
▼
Rate0.60%
Min Deposit$200
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Vermont Average2.36%▼ 1.76% below avgNationally 2.93%
Details

Includes IRA and CDARS Investments

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 20, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
60 Month Social Share Certificates
$500
0.60% ▼ 1.76% below Vermont avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Vermont Average2.36%▼ 1.76% below avgNationally 2.93%
Details

Rates effective 6/22/26; Additional funds cannot be added to an existing Certificate

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 20, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 5 Years
$500
0.55% ▼ 1.81% below Vermont avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Vermont Average2.36%▼ 1.81% below avgNationally 2.93%
Details

Rate History
No change since Sep 11, 2026 · 0.55% APY · checked 7 times
0.05%0.55%1.05%Sep 11, 2026: 0.55% APYSep 11, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Business Certificate of Deposit
$500
0.50% ▼ 1.86% below Vermont avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▼ 1.86% below avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 20, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Certificate of Deposit
$500
0.50% ▼ 1.86% below Vermont avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Vermont Average2.36%▼ 1.86% below avgNationally 2.93%
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 20, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Lunenburg, Vermont Institutions

Highest verified APYs available today, updated October 20, 2026

B Top 5 Bank Rates
TrustCo Bank
6 Month CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.40%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
Mascoma Bank
12-Month CD/IRA Special
A+ 5.0 ★ TX: 1.41%
Min: $500
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Community National Bank (VT)
CD Specials - 18 Months
A+ 5.0 ★ TX: 2.92%
Min: $10,000
3.82%
CU Top 5 Credit Union Rates
Central Vermont Medical Centerinc CU
New 6 month CD Special
A+ 5.0 ★ TX: 5.27%
Min: $0
5.00%
EastRise Credit Union
12 Month Variable-Rate Certificates - Future Saver Plus
A+ 5.0 ★ TX: 3.84%
Min: $0
4.00%
North Country Federal Credit Union
12 Month Certificates
A 5.0 ★ TX: 8.36%
Min: $0
4.00%
SeaComm Federal Credit Union
5 Year IRA, Roth IRA Certificates - w/ELR
A+ 5.0 ★ TX: 1.98%
Min: $1,000
3.85%
Heritage Family Federal Credit Union
12 Month Premier Term Share Certificate
A+ 5.0 ★ TX: 4.78%
Min: $1,000
3.75%
Rates verified October 20, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Lunenburg, VT CD Rate Trends

Compare local Lunenburg, VT CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Vermont CD Trends
12-Month CD VT Avg
2.880%
▲ 0.117 vs 7 days ago

Vermont 12-month CD rates rose 0.117 points over the past 7 days to 2.880% APY.

6-Month CD VT Avg
2.904%
▲ 0.118 vs 7 days ago

Vermont 6-month CD rates rose 0.118 points over the past 7 days to 2.904% APY.

As of Oct 20, 2026 • Rate data sourced from 8,500+ monitored institutions

VT CD Rate Forecast, Next 12 Months

Where are Vermont CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

VT 12-Month Avg APY
2.880%
6-Month Forecast
2.880%
Range: 2.68%, 3.03%
12-Month Forecast
3.130%
Range: 2.93%, 3.28%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Vermont average 12-month CD APY in our database.

Spread model: The Vermont 12-month CD average currently trades 1.50% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at VT CD Rates Today

Annual interest earnings at today’s Vermont average APYs. State average used where available; national average as fallback.

CD Term VT Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.539% $76.96 $153.93 $384.83 $769.65
6-Month CD 2.904% $145.18 $290.35 $725.88 $1,451.75
12-Month CD 2.880% $143.98 $287.96 $719.90 $1,439.80
18-Month CD 2.952% $147.59 $295.18 $737.95 $1,475.90
24-Month CD 2.407% $120.37 $240.74 $601.85 $1,203.70
36-Month CD 2.367% $118.37 $236.74 $591.85 $1,183.70
48-Month CD 2.626% $131.29 $262.58 $656.45 $1,312.90
60-Month CD 2.364% $118.19 $236.38 $590.95 $1,181.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 20, 2026.
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Sample CD Ladder for Lunenburg, Vermont Savers

$25,000 split equally across 5 terms using today’s Vermont average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit VT Avg APY Annual Earnings
1 3-Month CD $5,000 1.539% $76.96
2 6-Month CD $5,000 2.904% $145.18
3 12-Month CD $5,000 2.880% $143.98
4 24-Month CD $5,000 2.407% $120.37
5 36-Month CD $5,000 2.367% $118.37
Total ($25,000 invested) $25,000 2.419% blended $604.86/yr

Ladder example uses equal $5,000 rungs and Vermont average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
311
CD Rates
Tracked in Lunenburg, Vermont
17 Banks 9 Credit Unions

About Our Lunenburg, Vermont CD Rate Database

MonitorBankRates tracks 311 CD rates from 17 banks and 9 credit unions with locations in Lunenburg, Vermont, plus national online institutions available to Vermont residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Central Vermont Medical Centerinc CU offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lunenburg, Vermont.

How to Find the Best CD Rates in Lunenburg, Vermont

What to compare when shopping for a CD in Lunenburg, Vermont

To find the best APYs in Lunenburg, Vermont, start with credit unions and online-only banks: Lunenburg, Vermont has 9 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Lunenburg, Vermont

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Lunenburg, Vermont: 26 institutions here report CD rates

Consider an Alternative If…

Vermont Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
21.4%
National avg: 17.3%
Median Individual Earnings
$45,940
National avg: $47,340
Poverty Rate
10.1%
National avg: 11.1%
Unemployment Rate
3.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$132/yr
At VT 12-mo avg 2.880% APY

21.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.5% reflects a strong local economy. At today’s VT 12-month CD average of 2.880%, saving 10% of the local median salary ($4,594/year) and putting it in a CD would earn an additional $132 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Lunenburg, Vermont

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Lunenburg, Vermont

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Lunenburg, Vermont typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Lunenburg, Vermont as everywhere in the U.S.

Choosing a CD Term in Lunenburg, Vermont

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lunenburg, Vermont savers easier access to their funds. For example, Central Vermont Medical Centerinc CU is offering its New 6 month CD Special at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SeaComm Federal Credit Union is offering its 5 Year IRA, Roth IRA Certificates - w/ELR at 3.85% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Lunenburg, Vermont Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Lunenburg, Vermont saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Lunenburg, Vermont

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Lunenburg, Vermont CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Lunenburg, Vermont

Most CDs carry a fixed rate that is locked for the entire term, protecting a Lunenburg, Vermont depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Lunenburg, Vermont

Are CD rates in Lunenburg, Vermont FDIC insured?

Yes, most established banks in Lunenburg, Vermont are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Lunenburg, Vermont?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Lunenburg, Vermont.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Lunenburg, Vermont may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Lunenburg, Vermont?

Here are recent top rates found for this area:
  • Central Vermont Medical Centerinc CU: 5.00% APY (New 6 month CD Special)
  • TrustCo Bank: 4.40% APY (6 Month CD)
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • Mascoma Bank: 4.00% APY (12-Month CD/IRA Special)
  • EastRise Credit Union: 4.00% APY (12 Month Variable-Rate Certificates - Future Saver Plus)
  • North Country Federal Credit Union: 4.00% APY (12 Month Certificates)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • SeaComm Federal Credit Union: 3.85% APY (5 Year IRA, Roth IRA Certificates - w/ELR)
  • Community National Bank (VT): 3.82% APY (CD Specials - 18 Months)
  • Wells River Savings Bank: 3.82% APY (6 Month Certificate of Deposit (CD))
Rates reflect recent verified offers available in Lunenburg, Vermont. Last Updated: October 20, 2026

Lunenburg, Vermont CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Lunenburg, Vermont rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Lunenburg, Vermont CD Rates by Term

Verified October 20, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Lunenburg, Vermont. Averages shown use the Vermont state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Lunenburg, Vermont

Lunenburg, Vermont CD Calculator

At today’s VT top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Lunenburg, Vermont CD Ladder

VT CD rates currently range from 1.539% (3-month) to 2.367% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Lunenburg, Vermont CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Vermont’s average 12-month CD is 2.880% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lunenburg, Vermont CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lunenburg, Vermont directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lunenburg, Vermont. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 20, 2026

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