CD Rates Springfield, Vermont (VT) for March 2026
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Brian McKay
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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.
Current Springfield, Vermont CD rates include Claremont Savings BankClaremont Savings Bank85 Main St, Springfield, VT 05156A+5.0 ★Texas Ratio: 3.43% offering 5 Year CD Special at 3.40% APY, Mascoma BankMascoma Bank270 River St, Springfield, VT 05156A+5.0 ★Texas Ratio: 0.52% offering 12-Month CD/IRA Special at 3.10% APY, 802 Credit Union802 Credit Union34 Clinton St, Springfield, VT 05156A+5.0 ★Texas Ratio: 5.91% offering Youth Savers 5 Year Term CD at 2.00% APY, Central Vermont Medical Centerinc CUCentral Vermont Medical Centerinc CU130 Fisher Rd, Berlin, VT 05602A5.0 ★Texas Ratio: 8.83% offering New 6 month CD Special at 5.00% APY, and Heritage Family Federal Credit UnionHeritage Family Federal Credit Union30 Allen St, Rutland, VT 05701A+5.0 ★Texas Ratio: 3.44% offering Premier Term Share Certificate 12 Month at 4.00% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Springfield, Vermont, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Springfield, Vermont & the Surrounding Area
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: 3.62%
25 Kingman St, Saint Albans, VT 05478
3 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Term Share Certificate 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
53 Route 2 W, Danville, VT 05828
3-Month CD
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
New 6 month CD Special
$0
5.00%
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Must be funded by new money not currently on deposit
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
53 Route 2 W, Danville, VT 05828
6-Month CD
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
6 Month Certificate of Deposit
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20 Main St, Morrisville, VT 05661
6 Month Certificates of Deposit and IRAs
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Business Term Share Certificate 6 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
6 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
12-Month CD/IRA Special
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
34 Clinton St, Springfield, VT 05156
Smart Savers 1 Year Term CD
$0
1.70%
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Premier Term Share Certificate 12 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
53 Route 2 W, Danville, VT 05828
12-Month CD
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20 Main St, Morrisville, VT 05661
1 year Certificates of Deposit and IRAs
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
12 Month Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
12 Month Certificate of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
111 Main St, Burlington, VT 05401
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 12 month
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
270 River St, Springfield, VT 05156
18-Month CD/IRA Special
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Premier Term Share Certificate 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
18 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
18 Month Certificate of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
111 Main St, Burlington, VT 05401
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Premier Term Share Certificate 24 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
24 Month Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
24 Month Certificate of Deposit
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 24 month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
85 Main St, Springfield, VT 05156
3 Year CD Special
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
New Money Required
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20 Main St, Morrisville, VT 05661
3 year Certificates of Deposit and IRAs
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
36 Month Certificate
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Premier Term Share Certificate 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
36 Month Certificate of Deposit
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Central Vermont Medical Centerinc CU
Institution Rating:
A5.0 ★Texas Ratio: 8.83%
130 Fisher Rd, Berlin, VT 05602
IRA TRADITIONAL & ROTH 36 month
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
111 Main St, Burlington, VT 05401
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
85 Main St, Springfield, VT 05156
4 Year CD Special
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
New Money Required
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20 Main St, Morrisville, VT 05661
4 year Certificates of Deposit and IRAs
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
48 Month Certificate of Deposit
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
85 Main St, Springfield, VT 05156
5 Year CD Special
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
New Money Required
802 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.91%
34 Clinton St, Springfield, VT 05156
Youth Savers 5 Year Term CD
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
60 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Union Bank Morrisville, VT
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
20 Main St, Morrisville, VT 05661
5 year Certificates of Deposit and IRAs
$500
3.41%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
25 Kingman St, Saint Albans, VT 05478
60 Month Certificate of Deposit
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Springfield, VT CD Rate Trends
Compare local Springfield, VT CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — VT Avg
2.720%
▲ 1.750 from last week
Vermont 12-month CD rates rose 1.750 points this week to 2.720% APY, up from 0.970% last week.
6-Month CD — VT Avg
2.851%
▲ 0.726 from last week
Vermont 6-month CD rates rose 0.726 points this week to 2.851% APY, up from 2.125% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Springfield, Vermont
Are CD rates in Springfield, Vermont FDIC insured?
Yes, most established banks in Springfield, 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 Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Vermont?
Here are recent top rates found for this area:
- Claremont Savings Bank: 3.40% APY (5 Year CD Special)
- Mascoma Bank: 3.10% APY (12-Month CD/IRA Special)
- 802 Credit Union: 2.00% APY (Youth Savers 5 Year Term CD)
- 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)
- Passumpsic Savings Bank: 3.70% APY (6-Month CD)
- Peoples Trust Co. of St. Albans: 3.50% APY (3 Month Certificate of Deposit)
- Vermont Federal Credit Union: 3.50% APY (60 Month Certificate)
- Union Bank Morrisville, VT: 3.41% APY (5 year Certificates of Deposit and IRAs)
- TD Bank: 1.00% APY (12 Month IRA Certificates)
Rates reflect recent verified offers available in Springfield, Vermont. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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 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.
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: March 28, 2026
