CD Rates North Springfield, Vermont (VT) for April 2026
Brian McKay
Brian McKay
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Current North Springfield, Vermont CD rates include Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CUA5.0 ★Texas Ratio: 8.83%Real return: +2.20%APY minus CPI (February 2026) offering New 6 month CD Special at 5.00% APY, Heritage Family Federal Credit UnionHeritage Family Federal Credit UnionA+5.0 ★Texas Ratio: 3.44%Real return: +1.20%APY minus CPI (February 2026) offering Premier Term Share Certificate 12 Month at 4.00% APY, The Bank of BenningtonThe Bank of BenningtonA+5.0 ★Texas Ratio: 2.81%Real return: +0.95%APY minus CPI (February 2026) offering 5 year CD at 3.75% APY, Passumpsic Savings BankPassumpsic Savings BankA5.0 ★Texas Ratio: 12.48%Real return: +0.90%APY minus CPI (February 2026) offering 6-Month CD at 3.70% APY, and Peoples Trust Co. of St. AlbansPeoples Trust Co. of St. AlbansA+5.0 ★Texas Ratio: 3.62%Real return: +0.70%APY minus CPI (February 2026) offering 3 Month Certificate of Deposit at 3.50% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
North Springfield is a smaller community with no bank or credit union branches currently in our database. 48 institutions serving the Vermont area are available to North Springfield residents, with CD rates as high as 5.00% APY from Central Vermont Medical Centerinc CU. Rates are continually updated — 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: April 12, 2026
Compare Best CD Rates in North Springfield, Vermont & the Surrounding Area
Must be funded by new money not currently on deposit
Relationship APY
Relationship APY
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North Springfield, VT CD Rate Trends
Compare local North Springfield, 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.
Vermont 12-month CD rates fell 0.914 points over the past 7 days to 2.453% APY.
Vermont 6-month CD rates fell 0.625 points over the past 7 days to 2.719% APY.
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 | 1.855% | $92.73 | $185.46 | $463.65 | $927.30 |
| 6-Month CD | 2.719% | $135.95 | $271.89 | $679.73 | $1,359.45 |
| 12-Month CD | 2.453% | $122.67 | $245.34 | $613.35 | $1,226.70 |
| 18-Month CD | 2.649% | $132.46 | $264.92 | $662.30 | $1,324.60 |
| 24-Month CD | 2.608% | $130.38 | $260.76 | $651.90 | $1,303.80 |
| 36-Month CD | 2.497% | $124.86 | $249.71 | $624.28 | $1,248.55 |
| 48-Month CD | 2.681% | $134.05 | $268.10 | $670.25 | $1,340.50 |
| 60-Month CD | 2.403% | $120.13 | $240.26 | $600.65 | $1,201.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for North Springfield, 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.
| Rung | Term | Deposit | VT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.855% | $92.73 |
| 2 | 6-Month CD | $5,000 | 2.719% | $135.95 |
| 3 | 12-Month CD | $5,000 | 2.453% | $122.67 |
| 4 | 24-Month CD | $5,000 | 2.608% | $130.38 |
| 5 | 36-Month CD | $5,000 | 2.497% | $124.86 |
| Total ($25,000 invested) | $25,000 | 2.426% blended | $606.59/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.
CD-Reporting Institutions in North Springfield, Vermont
MonitorBankRates tracks CD rates from 12 institutions reporting rates in North Springfield, Vermont — including both local community institutions and national banks with a presence in this area. Rates are verified daily.
Frequently Asked Questions about CD Rates in North Springfield, Vermont
Are CD rates in North Springfield, Vermont FDIC insured?
Do I have to pay state taxes on CD interest in North Springfield, Vermont?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in North Springfield, Vermont?
- Central Vermont Medical Centerinc CU: 5.00% APY (New 6 month CD Special)
- Heritage Family Federal Credit Union: 4.00% APY (Premier Term Share Certificate 12 Month)
- The Bank of Bennington: 3.75% APY (5 year CD)
- Passumpsic Savings Bank: 3.70% APY (6-Month CD)
- Peoples Trust Co. of St. Albans: 3.50% APY (3 Month Certificate of Deposit)
- Tri State Area Federal Credit Union: 3.50% APY (12 Month Certificate)
- Vermont Federal Credit Union: 3.50% APY (60 mo Term Share Certificate)
- Union Bank Morrisville, VT: 3.41% APY (5 year Certificates of Deposit and IRAs)
- Northfield Savings Bank: 3.15% APY (24 Month CD)
- Mascoma Bank: 3.10% APY (12-Month CD/IRA Special)
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for North Springfield, 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 pulling data straight 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 North Springfield, 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.
North Springfield, Vermont Rates & Resources
