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CD Rate Trends

St Albans, Vermont Best CD Rates September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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: September 28, 2026

Current CD rates in St Albans, Vermont range from 1.00% to 5.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. Current St Albans, Vermont CD rates include EastRise Credit UnionEastRise Credit Union295 Tuckers Way, St Albans, VT 05478A+5.0 ★Texas Ratio: 3.84%Real return: +0.85%APY minus CPI (February 2026) offering 3 Year Business Certificates at 3.65% APY, TD BankTD Bank351 Swanton Rd Highgate Plaza, St Albans, VT 05478A+5.0 ★Texas Ratio: 4.06%Real return: -1.80%APY minus CPI (February 2026) offering 12 Month Certificate at 1.00% APY, 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, The Bank of BenningtonThe Bank of BenningtonA+5.0 ★Texas Ratio: 2.86%Real return: +1.40%APY minus CPI (February 2026) offering 2 Year Certificate of Deposit at 4.20% APY, and TrustCo BankTrustCo BankA+5.0 ★Texas Ratio: 4.14%Real return: +1.20%APY minus CPI (February 2026) offering 18 Months CD at 4.00% APY. CD rates as of September 28, 2026 according to verified data from MonitorBankRates.

St Albans has 28 local institutions in our database, with CD rates as high as 3.65% APY from EastRise Credit Union at 295 Tuckers Way, St Albans, VT 05478. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Vermont area. 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: September 28, 2026

Compare Best CD Rates in St Albans, Vermont & the Surrounding Area

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St Albans 3 Month CD Rates

National 3 Month CD Average2.08% APY▲ 0.01% 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: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
3 Month Certificate
$0
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
3 Month TD Choice CD
$250
1.00% ▼ 1.08% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.08% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
3 Month Business Certificates
$0
0.75% ▼ 1.33% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.33% below avg
Details

Rate History
No change since Sep 21, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Sep 21, 2026: 0.75% APYSep 21, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
3 Month Certificate of Deposit
$0
3.50% ▲ 1.42% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.08%▲ 1.42% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificate of Deposit
$100
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3-Month Fixed
$100
3.00% ▲ 0.92% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.92% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3 Month IRA Term Share Certificate
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3 Month Term Share Certificate
$0
2.75% ▲ 0.67% above national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▲ 0.67% above avg
Details

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 3 Months
$500
2.50% ▲ 0.42% above national avg
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▲ 0.42% above avg
Details

Rate History
No change since Sep 11, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 11, 2026: 2.50% APYSep 11, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
90 Day Share Certificates
$0
0.25% ▼ 1.83% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.08%▼ 1.83% below avg
Details

Enhanced Loyalty Rewards: up to 2.35%

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Sep 28, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
3-Month CD
$0
0.15% ▼ 1.93% below national avg
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.08%▼ 1.93% below avg
Details

Minimum Balance to Earn APY: $500

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Sep 28, 2026

St Albans 6 Month CD Rates

National 6 Month CD Average2.77% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
6 Month Business Certificates
$0
3.00% ▲ 0.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 21, 2026: 3.00% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
6 Month Fixed-Rate Certificate
$0
3.00% ▲ 0.23% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 21, 2026: 3.00% APYSep 21, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
6 Month Certificate
$0
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Balance: $250.00 - $9,999.99

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, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
6 Month TD Choice CD
$250
1.00% ▼ 1.77% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 1.77% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
New 6 month CD Special
$2,000
5.00% ▲ 2.23% above national avg
View
▼
Rate5.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 2.23% above avg
Details

Must be funded by new money not currently on deposit

Rate History
No change since Sep 22, 2026 · 5.00% APY
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month HSA Certificates
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month IRA Certificates
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
6 Month Share Certificate
$0
3.85% ▲ 1.08% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 1.08% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6-Month CD
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.93% above avg
Details

Minimum Balance to Earn APY: $500

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Certificate
$5
3.70% ▲ 0.93% above national avg
View
▼
Rate3.64%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month IRA Certificate
$0
3.70% ▲ 0.93% above national avg
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Term Share Certificate
$5
3.70% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.70% APY
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
6 Month Youth Certificate
$5
3.70% ▲ 0.93% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.93% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
6 Month Certificate
$0
3.60% ▲ 0.83% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Sep 28, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
6-month CD special
$1,000
3.50% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as an IRA CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
6-month IRA CD special
$1,000
3.50% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.73% above avg
Details

Only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. Also available as a CD.

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6 Month Certificate of Deposit
$0
3.50% ▲ 0.73% above national avg
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month Certificate of Deposit
$500
3.50% ▲ 0.73% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6-Month Fixed
$100
3.50% ▲ 0.73% above national avg
View
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.73% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months CD
$0
3.40% ▲ 0.63% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.63% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
6 Month Certificate
$1,000
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.58% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
6 Month Jumbo Certificates of Deposit and IRAs
$100,000
3.35% ▲ 0.58% above national avg
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.58% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Sep 19, 2026: 3.35% APYSep 19, 2026Sep 28, 2026
Beacon Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.53% above avg
Details

3.30% APY***

Rate History
No change since Sep 28, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Sep 28, 2026
Beacon Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
Beacon One 6 Month CD
$1,000
3.30% ▲ 0.53% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▲ 0.53% above avg
Details

APY is subject to change at any time. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The balance of the Beacon One CD account cannot exceed $1,000,000. In order to qualify for the Beacon One 6 Month CD, you must be an OWNER on a Beacon Bank checking account. Transaction limitations are as follows: You may not make any additional deposits into your Beacon One CD account before maturity.

Rate History
No change since Sep 28, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Sep 28, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
6 Months - 364 Days CD
$500
3.04% ▲ 0.27% above national avg
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▲ 0.27% above avg
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Sep 15, 2026: 3.04% APYSep 15, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month IRA Term Share Certificate
$0
3.00% ▲ 0.23% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
6 Month Term Share Certificate
$0
3.00% ▲ 0.23% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▲ 0.23% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Month CD
$1,000
2.50% ▼ 0.27% below national avg
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 0.27% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
6 Month IRA CD
$50
2.50% ▼ 0.27% below national avg
View
▼
Rate2.47%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 0.27% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 6 Month CD
$1,000
2.50% ▼ 0.27% below national avg
View
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 0.27% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 6 Month IRA CD
$50
2.50% ▼ 0.27% below national avg
View
▼
Rate2.47%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 0.27% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.50% APY
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 6 Months
$500
2.40% ▼ 0.37% below national avg
View
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 0.37% below avg
Details

Rate History
No change since Sep 11, 2026 · 2.40% APY · checked 4 times
1.90%2.40%2.90%Sep 11, 2026: 2.40% APYSep 11, 2026Sep 28, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
6 Month Share Certificates/CD
$0
2.01% ▼ 0.76% below national avg
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.76% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.01% APY · checked 2 times
1.51%2.01%2.51%Sep 18, 2026: 2.01% APYSep 18, 2026Sep 28, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
Youth 6-Month CD
$0
2.00% ▼ 0.77% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.77%▼ 0.77% below avg
Details

Minimum Balance to Earn APY: $75

Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 Month IRA Certificate
$0
1.85% ▼ 0.92% below national avg
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.92% below avg
Details

Rate History
No change since Sep 22, 2026 · 1.85% APY
1.35%1.85%2.35%Sep 22, 2026: 1.85% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 Month Certificate
$0
1.80% ▼ 0.97% below national avg
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 0.97% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
6 Month Certificate
$2,000
0.50% ▼ 2.27% below national avg
View
▼
Rate0.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 6 month
$2,000
0.50% ▼ 2.27% below national avg
View
▼
Rate0.50%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▼ 2.27% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
6 Month Share Certificates
$0
0.35% ▼ 2.42% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.77%▼ 2.42% below avg
Details

Enhanced Loyalty Rewards: up to 2.45%

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Business Certificates of Deposit
$500
0.15% ▼ 2.62% below national avg
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 2.62% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Certificates of Deposit
$500
0.15% ▼ 2.62% below national avg
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.77%▼ 2.62% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Sep 28, 2026

St Albans 12 Month CD Rates

National 12 Month CD Average2.94% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
1 Year Business Certificates
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
1 Year Fixed-Rate Certificate
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
12 Month Certificate
$0
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Balance: $250.00 - $9,999.99

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, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
12 Month TD Choice CD
$250
1.00% ▼ 1.94% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.89% below national avg
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 2.89% below avg
Details

IRA Account

Rate History
No change since Sep 27, 2026 · 0.05% APY
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
12-Month CD/IRA Special
$500
4.00% ▲ 1.06% above national avg
View
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.06% above avg
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, 2026Sep 28, 2026
  • Sep 19, 20264.00%▲ from 3.75%
  • Sep 11, 20263.75%first recorded
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Months CD
$0
3.95% ▲ 1.01% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 1.01% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
12 Month HSA Certificates
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
12 Month IRA Certificates
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
12 Month Share Certificate
$0
3.85% ▲ 0.91% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.91% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 21, 2026: 3.85% APYSep 21, 2026Sep 28, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month CD special
$1,000
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details

Only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. Also available as an IRA CD.

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month IRA CD special
$1,000
3.75% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.81% above avg
Details

Only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. Also available as a CD.

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 18, 2026: 3.50% APYSep 24, 2026: 3.75% APYSep 18, 2026Sep 28, 2026
  • Sep 24, 20263.75%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12 Month Premier Term Share Certificate
$0
3.75% ▲ 0.81% above national avg
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.81% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Sep 28, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
12-Month CD
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.61% above avg
Details

Minimum Balance to Earn APY: $500

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Certificate
$5
3.55% ▲ 0.61% above national avg
View
▼
Rate3.49%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month IRA Certificate
$0
3.55% ▲ 0.61% above national avg
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Term Share Certificate
$5
3.55% ▲ 0.61% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
12 Month Youth Certificate
$5
3.55% ▲ 0.61% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.61% above avg
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, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1 Year Certificate
$500
3.51% ▲ 0.57% above national avg
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.57% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
1 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.51% ▲ 0.57% above national avg
View
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.57% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1 Year Certificate of Deposit
$500
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1-Year Fixed
$100
3.50% ▲ 0.56% above national avg
View
▼
Rate3.44%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.56% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 20, 2026: 3.50% APYSep 20, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
12 Month Certificate
$0
3.40% ▲ 0.46% above national avg
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▲ 0.46% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Sep 28, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
12 Months IRA
$500
3.29% ▲ 0.35% above national avg
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.35% above avg
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 15, 2026: 3.29% APYSep 15, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 Year Online CD
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▲ 0.31% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12 Month IRA Term Share Certificate
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.31% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 17, 2026: 3.25% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
12 Month Term Share Certificate
$0
3.25% ▲ 0.31% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▲ 0.31% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 17, 2026: 3.25% APYSep 17, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Flex CD
$1,000
3.00% ▲ 0.06% above national avg
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.06% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month Flex CD
$1,000
3.00% ▲ 0.06% above national avg
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▲ 0.06% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.00% APY
2.50%3.00%3.50%Sep 28, 2026: 3.00% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month CD
$1,000
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month IRA CD
$50
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Rollover CD
$1,000
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Rollover IRA CD
$50
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month CD
$1,000
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month IRA CD
$50
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month Rollover CD
$1,000
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 12 Month Rollover IRA CD
$50
2.75% ▼ 0.19% below national avg
View
▼
Rate2.71%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.19% below avg
Details

Rate History
No change since Sep 28, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 Month Certificate of Deposit
$0
2.50% ▼ 0.44% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.94%▼ 0.44% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
ORLEX Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.81%
12 Month Share Certificates/CD
$0
2.50% ▼ 0.44% below national avg
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 0.44% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD - 1 Year RGC
$500
2.20% ▼ 0.74% below national avg
View
▼
Rate2.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.74% below avg
Details

Relationship Gold Checking Account required

Rate History
No change since Sep 11, 2026 · 2.20% APY · checked 4 times
1.70%2.20%2.70%Sep 11, 2026: 2.20% APYSep 11, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 1 Year
$500
2.15% ▼ 0.79% below national avg
View
▼
Rate2.13%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 0.79% below avg
Details

Rate History
No change since Sep 11, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 11, 2026: 2.15% APYSep 11, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
12 Month IRA Certificate
$0
2.10% ▼ 0.84% below national avg
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 0.84% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.10% APY
1.60%2.10%2.60%Sep 22, 2026: 2.10% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
12 Month Certificate
$0
2.00% ▼ 0.94% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 0.94% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Smart Savers 1 Year Term
$0
1.70% ▼ 1.24% below national avg
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 1.24% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Sep 28, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
1-Year Fixed Rate
$0
1.00% ▼ 1.94% below national avg
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.94%▼ 1.94% below avg
Details

Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 11, 2026: 1.00% APYSep 11, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$2,000
0.60% ▼ 2.34% below national avg
View
▼
Rate0.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.34% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 12 month
$2,000
0.60% ▼ 2.34% below national avg
View
▼
Rate0.60%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.34% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
1 Year IRA, Roth IRA Certificates
$0
0.50% ▼ 2.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.94%▼ 2.44% below avg
Details

Enhanced Loyalty Rewards: up to 2.60%

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
12 Month Certificate
$500
0.50% ▼ 2.44% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.44% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 12 month
$500
0.50% ▼ 2.44% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.94%▼ 2.44% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026

St Albans 18 Month CD Rates

National 18 Month CD Average2.82% APYUnchanged 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: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
18 Month Certificate
$0
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
18 Month TD Choice CD
$250
1.00% ▼ 1.82% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 1.82% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.00% ▲ 1.18% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.18% above avg
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 1.03% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.03% above avg
Details

Requires a qualifying checking account.

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18-Month M&T Select CD
$0
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
18-Month CD/IRA Special
$500
3.85% ▲ 1.03% above national avg
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.03% above avg
Details

Rate History
No change since Sep 11, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 11, 2026: 3.85% APYSep 11, 2026Sep 28, 2026
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Certificate
$0
3.82% ▲ 1.00% above national avg
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 1.00% above avg
Details

Fixed-rate. Available as an IRA. This CD is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks). A penalty of 90 days interest imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates are subject to change without notice.

Rate History
No change since Sep 8, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 8, 2026: 3.82% APYSep 8, 2026Sep 28, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18-Month CD
$0
3.60% ▲ 0.78% above national avg
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▲ 0.78% above avg
Details

Minimum Balance to Earn APY: $500

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month HSA Certificates
$0
3.55% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.73% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month IRA Certificates
$0
3.55% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.73% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
18 Month Share Certificate
$0
3.55% ▲ 0.73% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.73% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18 Month Premier Term Share Certificate
$0
3.30% ▲ 0.48% above national avg
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▲ 0.48% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 17, 2026: 3.30% APYSep 17, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
18 Month Certificate
$0
3.20% ▲ 0.38% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.38% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18 Month IRA Term Share Certificate
$0
2.80% ▼ 0.02% below national avg
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.02% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 17, 2026: 2.80% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
18 Month Term Share Certificate
$0
2.80% ▼ 0.02% below national avg
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.02% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.80% APY · checked 3 times
2.30%2.80%3.30%Sep 17, 2026: 2.80% APYSep 17, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Certificate
$5
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month IRA Certificate
$0
2.75% ▼ 0.07% below national avg
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Term Share Certificate
$5
2.75% ▼ 0.07% below national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
18 Month Youth Certificate
$5
2.75% ▼ 0.07% below national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 0.07% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 Month Certificate of Deposit
$0
2.50% ▼ 0.32% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.82%▼ 0.32% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
18 Month IRA Certificate
$0
2.10% ▼ 0.72% below national avg
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 0.72% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.10% APY
1.60%2.10%2.60%Sep 22, 2026: 2.10% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
18 months (no-penalty)
$0
1.80% ▼ 1.02% below national avg
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 1.02% below avg
Details

No-penalty

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month IRA, Roth IRA Certificates
$0
0.55% ▼ 2.27% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 2.27% below avg
Details

Enhanced Loyalty Rewards: up to 2.65%

Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
18 Month Share Certificates
$0
0.45% ▼ 2.37% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.82%▼ 2.37% below avg
Details

Enhanced Loyalty Rewards: up to 2.55%

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 1.5 Years
$500
0.25% ▼ 2.57% below national avg
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 2.57% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
IRA 1.5 Years Variable Rate
$25
0.25% ▼ 2.57% below national avg
View
▼
Rate0.25%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.82%▼ 2.57% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 11, 2026: 0.25% APYSep 11, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Social Share Certificates - 18 Months
$0
0.20% ▼ 2.62% below national avg
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▼ 2.62% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Sep 28, 2026

St Albans 24 Month CD Rates

National 24 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
2 Year Business Certificates
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
2 Year Fixed-Rate Certificate
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
24 Month Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
24 Month TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
2 Year Certificate of Deposit
$500
4.20% ▲ 1.36% above national avg
View
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
2-Year Fixed
$100
4.20% ▲ 1.36% above national avg
View
▼
Rate4.11%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 1.36% above avg
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Month CD
$1,000
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Month IRA CD
$50
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 24 Month CD
$1,000
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 24 Month IRA CD
$50
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.75% APY
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
2 Year Certificate
$500
3.56% ▲ 0.72% above national avg
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.72% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
2 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.56% ▲ 0.72% above national avg
View
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.72% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month HSA Certificates
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month IRA Certificates
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
24 Month Share Certificate
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
CD 104 week (~2 year)
$250,000
3.41% ▲ 0.57% above national avg
View
▼
Rate3.35%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.57% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.41% APY · checked 3 times
2.91%3.41%3.91%Sep 19, 2026: 3.41% APYSep 19, 2026Sep 28, 2026
Beacon Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
24-Month Certificate of Deposit (CD)
$1,000
3.30% ▲ 0.46% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.46% above avg
Details

3.30% APY****

Rate History
No change since Sep 28, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Sep 28, 2026
Beacon Bank and Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
Beacon One 24 Month CD
$1,000
3.30% ▲ 0.46% above national avg
View
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.46% above avg
Details

APY is subject to change at any time. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The balance of the Beacon One CD account cannot exceed $1,000,000. In order to qualify for the Beacon One 24 Month CD, you must be an OWNER on a Beacon Bank checking account. Transaction limitations are as follows: You may not make any additional deposits into your Beacon One CD account before maturity.

Rate History
No change since Sep 28, 2026 · 3.30% APY
2.80%3.30%3.80%Sep 28, 2026: 3.30% APYSep 28, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24 Month Premier Term Share Certificate
$0
3.20% ▲ 0.36% above national avg
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.36% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 17, 2026: 3.20% APYSep 17, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2 Year Online CD
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
2-Year Certificate of Deposit
$500
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
2-Year Fixed IRA Certificate
$100
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
24 Month Certificate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
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, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Certificate
$5
2.95% ▲ 0.11% above national avg
View
▼
Rate2.91%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.11% above avg
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 3 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month IRA Certificate
$0
2.95% ▲ 0.11% above national avg
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Term Share Certificate
$5
2.95% ▲ 0.11% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.11% above avg
Details

Rate History
No change since Sep 25, 2026 · 2.95% APY
2.45%2.95%3.45%Sep 25, 2026: 2.95% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
24 Month Youth Certificate
$5
2.95% ▲ 0.11% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.11% above avg
Details

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Sep 28, 2026
First National Bank of Orwell
Institution Rating:
B+4.8 ★Texas Ratio: 17.81%
24 Months CD
$500
2.78% ▼ 0.06% below national avg
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.06% below avg
Details

Minimum deposit for CDs and IRAs is $500. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).

Rate History
No change since Sep 15, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 15, 2026: 2.78% APYSep 15, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24 Month IRA Term Share Certificate
$0
2.70% ▼ 0.14% below national avg
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.14% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Sep 17, 2026: 2.70% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
24 Month Term Share Certificate
$0
2.70% ▼ 0.14% below national avg
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 0.14% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.70% APY · checked 3 times
2.20%2.70%3.20%Sep 17, 2026: 2.70% APYSep 17, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 Month Certificate of Deposit
$0
2.25% ▼ 0.59% below national avg
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 0.59% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
24 Month IRA Certificate
$0
2.15% ▼ 0.69% below national avg
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.69% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.15% APY
1.65%2.15%2.65%Sep 22, 2026: 2.15% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
24 Month Certificate
$0
2.05% ▼ 0.79% below national avg
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.79% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Sep 28, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2-Year Fixed Rate
$0
1.20% ▼ 1.64% below national avg
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.64% below avg
Details

Rate History
No change since Sep 11, 2026 · 1.20% APY · checked 4 times
0.70%1.20%1.70%Sep 11, 2026: 1.20% APYSep 11, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$2,000
1.00% ▼ 1.84% below national avg
View
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.84% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 24 month
$2,000
1.00% ▼ 1.84% below national avg
View
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.84% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$500
0.90% ▼ 1.94% below national avg
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.94% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 24 month
$500
0.90% ▼ 1.94% below national avg
View
▼
Rate0.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 1.94% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2 Year IRA, Roth IRA Certificates
$0
0.70% ▼ 2.14% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.14% below avg
Details

Enhanced Loyalty Rewards: up to 2.80%

Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 3 times
0.20%0.70%1.20%Sep 18, 2026: 0.70% APYSep 18, 2026Sep 28, 2026
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Youth CD
$0
0.59% ▼ 2.25% below national avg
View
▼
Rate0.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.25% below avg
Details

Rate History
No change since Sep 19, 2026 · 0.59% APY · checked 3 times
0.09%0.59%1.09%Sep 19, 2026: 0.59% APYSep 19, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
2 Year Share Certificates
$0
0.50% ▼ 2.34% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 2.34% below avg
Details

Enhanced Loyalty Rewards: up to 2.60%

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, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 2 Years
$500
0.35% ▼ 2.49% below national avg
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.49% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 11, 2026: 0.35% APYSep 11, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Business Certificates of Deposit
$500
0.35% ▼ 2.49% below national avg
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 2.49% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Certificates of Deposit
$500
0.35% ▼ 2.49% below national avg
View
▼
Rate0.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 2.49% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 3 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Social Share Certificates - 24 Months
$0
0.30% ▼ 2.54% below national avg
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 2.54% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Sep 28, 2026

St Albans 36 Month CD Rates

National 36 Month CD Average2.76% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
3 Year Business Certificates
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.89% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
3 Year Fixed-Rate Certificate
$0
3.65% ▲ 0.89% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.89% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
3 Year Certificate
$0
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
3 Year TD Choice CD
$250
1.00% ▼ 1.76% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.76% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 Year Certificate
$500
3.61% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.85% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.61% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.85% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
Save for Success CD-3 year
$100
3.61% ▲ 0.85% above national avg
View
▼
Rate3.55%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.85% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month HSA Certificates
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month IRA Certificates
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
36 Month Share Certificate
$0
3.55% ▲ 0.79% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.79% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
CD 156 week (~3 year)
$250,000
3.46% ▲ 0.70% above national avg
View
▼
Rate3.40%
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▲ 0.70% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.46% APY · checked 3 times
2.96%3.46%3.96%Sep 19, 2026: 3.46% APYSep 19, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Certificate
$5
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month IRA Certificate
$0
3.15% ▲ 0.39% above national avg
View
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Term Share Certificate
$5
3.15% ▲ 0.39% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.15% APY
2.65%3.15%3.65%Sep 25, 2026: 3.15% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
36 Month Youth Certificate
$5
3.15% ▲ 0.39% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.39% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36 Month Premier Term Share Certificate
$0
3.10% ▲ 0.34% above national avg
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.34% above avg
Details

Rate History
No change since Sep 17, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 17, 2026: 3.10% APYSep 17, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Year Certificate of Deposit
$500
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3-Year Fixed
$100
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Certificate 36 month special
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
36 Month Certificate
$0
3.00% ▲ 0.24% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
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, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month CD
$1,000
2.85% ▲ 0.09% above national avg
View
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.09% above avg
Details

Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month IRA CD
$50
2.85% ▲ 0.09% above national avg
View
▼
Rate2.81%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.09% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 36 Month CD
$1,000
2.85% ▲ 0.09% above national avg
View
▼
Rate2.81%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.09% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 36 Month IRA CD
$50
2.85% ▲ 0.09% above national avg
View
▼
Rate2.81%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▲ 0.09% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.85% APY
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
3 Year Online CD
$0
2.75% ▼ 0.01% below national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 0.01% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36 Month IRA Term Share Certificate
$0
2.60% ▼ 0.16% below national avg
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.16% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 17, 2026: 2.60% APYSep 17, 2026Sep 28, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
36 Month Term Share Certificate
$0
2.60% ▼ 0.16% below national avg
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 0.16% below avg
Details

Rate History
No change since Sep 17, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 17, 2026: 2.60% APYSep 17, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
36 Month Certificate of Deposit
$0
2.50% ▼ 0.26% below national avg
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 0.26% below avg
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
36 Month Certificate
$0
2.05% ▼ 0.71% below national avg
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.71% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Year IRA, Roth IRA Certificates
$0
1.40% ▼ 1.36% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 1.36% below avg
Details

Enhanced Loyalty Rewards: up to 3.50%

Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Sep 18, 2026: 1.40% APYSep 18, 2026Sep 28, 2026
National Bank of Middlebury
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3-Year Fixed Rate
$0
1.25% ▼ 1.51% below national avg
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 1.51% below avg
Details

Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 11, 2026: 1.25% APYSep 11, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
36 Month Certificate
$2,000
1.20% ▼ 1.56% below national avg
View
▼
Rate1.19%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.56% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Sep 28, 2026
Central Vermont Medical Centerinc CU
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
IRA TRADITIONAL & ROTH 36 month
$2,000
1.20% ▼ 1.56% below national avg
View
▼
Rate1.19%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.56% below avg
Details

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
3 Year Share Certificates
$0
1.05% ▼ 1.71% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.76%▼ 1.71% below avg
Details

Enhanced Loyalty Rewards: up to 3.15%

Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 4 times
0.55%1.05%1.55%Sep 14, 2026: 1.05% APYSep 14, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 3 Years
$500
0.40% ▼ 2.36% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.76%▼ 2.36% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 11, 2026: 0.40% APYSep 11, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Certificates of Deposit
$500
0.40% ▼ 2.36% below national avg
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 2.36% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Social Share Certificates - 36 Months
$0
0.40% ▼ 2.36% below national avg
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 2.36% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 - 36 Month KidSaver Toucan CD
$100
0.35% ▼ 2.41% below national avg
View
▼
Rate0.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.76%▼ 2.41% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Sep 28, 2026

St Albans 48 Month CD Rates

National 48 Month CD Average2.75% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
4 Year Business Certificates
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
4 Year Fixed-Rate Certificate
$0
3.65% ▲ 0.90% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.90% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
4 Year Certificate
$500
3.66% ▲ 0.91% above national avg
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.91% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
4 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.66% ▲ 0.91% above national avg
View
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▲ 0.91% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month HSA Certificates
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month IRA Certificates
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
48 Month Share Certificate
$0
3.55% ▲ 0.80% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.80% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Certificate
$5
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month IRA Certificate
$0
3.25% ▲ 0.50% above national avg
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Term Share Certificate
$5
3.25% ▲ 0.50% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Youth Certificate
$5
3.25% ▲ 0.50% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.50% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
4 Year Certificate of Deposit
$500
3.00% ▲ 0.25% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
4-Year Fixed
$100
3.00% ▲ 0.25% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▲ 0.25% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
48 Month Certificate
$0
3.00% ▲ 0.25% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
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, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month CD
$1,000
2.95% ▲ 0.20% above national avg
View
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.20% above avg
Details

Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month IRA CD
$50
2.95% ▲ 0.20% above national avg
View
▼
Rate2.91%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.20% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 48 Month CD
$1,000
2.95% ▲ 0.20% above national avg
View
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.20% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 48 Month IRA CD
$50
2.95% ▲ 0.20% above national avg
View
▼
Rate2.91%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▲ 0.20% above avg
Details

Rate History
No change since Sep 28, 2026 · 2.95% APY
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4 Year Online CD
$0
2.75% At national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
48 Month Certificate of Deposit
$0
2.75% At national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%At the average
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
48 Month IRA Certificate
$0
2.20% ▼ 0.55% below national avg
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.55% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.20% APY
1.70%2.20%2.70%Sep 22, 2026: 2.20% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
48 Month Certificate
$0
2.10% ▼ 0.65% below national avg
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.65% below avg
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, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year IRA, Roth IRA Certificates
$0
1.55% ▼ 1.20% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 1.20% below avg
Details

Enhanced Loyalty Rewards: up to 3.65%

Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 3 times
1.05%1.55%2.05%Sep 18, 2026: 1.55% APYSep 18, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year Share Certificates
$0
1.30% ▼ 1.45% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.75%▼ 1.45% below avg
Details

Enhanced Loyalty Rewards: up to 3.40%

Rate History
No change since Sep 14, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Sep 14, 2026: 1.30% APYSep 14, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Social Share Certificates - 48 Months
$0
0.50% ▼ 2.25% below national avg
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 2.25% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 4 Years
$500
0.45% ▼ 2.30% below national avg
View
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.75%▼ 2.30% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 11, 2026: 0.45% APYSep 11, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Month Certificates of Deposit
$500
0.45% ▼ 2.30% below national avg
View
▼
Rate0.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.75%▼ 2.30% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Sep 28, 2026

St Albans 60 Month CD Rates

National 60 Month CD Average2.84% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
5 Year Business Certificates
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
EastRise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
295 Tuckers Way, St Albans, VT 05478
5 Year Fixed-Rate Certificate
$0
3.65% ▲ 0.81% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.81% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 21, 2026: 3.65% APYSep 21, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
5 Year Certificate
$0
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
351 Swanton Rd Highgate Plaza, St Albans, VT 05478
5 Year TD Choice CD
$250
1.00% ▼ 1.84% below national avg
View
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.84% below avg
Details

Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
5 Year Certificate of Deposit
$500
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
5-Year Fixed
$100
3.75% ▲ 0.91% above national avg
View
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.91% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
5 Year Certificate
$500
3.71% ▲ 0.87% above national avg
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.87% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Sep 28, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
5 Year Jumbo Certificates of Deposit and IRAs
$100,000
3.71% ▲ 0.87% above national avg
View
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▲ 0.87% above avg
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month HSA Certificates
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month IRA Certificates
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
60 Month Share Certificate
$0
3.55% ▲ 0.71% above national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.71% above avg
Details

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificate
$5
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month IRA Certificate
$0
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Term Share Certificate
$5
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Youth Certificate
$5
3.50% ▲ 0.66% above national avg
View
▼
Rate—
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Sep 28, 2026
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate
$5
3.50% ▲ 0.66% above national avg
View
▼
Rate3.45%
Min Deposit$5
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.66% above avg
Details

Youth Advantage***

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
60 Month CD
$1,000
3.05% ▲ 0.21% above national avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.21% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 60 Month CD
$1,000
3.05% ▲ 0.21% above national avg
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.21% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.05% APY
2.55%3.05%3.55%Sep 28, 2026: 3.05% APYSep 28, 2026Sep 28, 2026
Northfield Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Business 60 Month IRA CD
$50
3.05% ▲ 0.21% above national avg
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.21% above avg
Details

Rate History
No change since Sep 28, 2026 · 3.05% APY
2.55%3.05%3.55%Sep 28, 2026: 3.05% APYSep 28, 2026Sep 28, 2026
Peoples Trust Co. of St. Albans
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
60 Month Certificate of Deposit
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
5-Year Certificate of Deposit
$500
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
The Bank of Bennington
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
5-Year Fixed IRA Certificate
$100
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▲ 0.16% above avg
Details

Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Sep 28, 2026
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
60 Month Certificate
$0
3.00% ▲ 0.16% above national avg
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.16% above avg
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, 2026Sep 28, 2026
Citizens Access
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5 Year Online CD
$0
2.75% ▼ 0.09% below national avg
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 0.09% below avg
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
60 Month IRA Certificate
$0
2.20% ▼ 0.64% below national avg
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.64% below avg
Details

Rate History
No change since Sep 22, 2026 · 2.20% APY
1.70%2.20%2.70%Sep 22, 2026: 2.20% APYSep 22, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
60 Month Certificate
$0
2.10% ▼ 0.74% below national avg
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.74% below avg
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, 2026Sep 28, 2026
802 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
Youth Savers 5 Year Term
$0
2.00% ▼ 0.84% below national avg
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 0.84% below avg
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year IRA, Roth IRA Certificates
$0
1.75% ▼ 1.09% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.09% below avg
Details

Enhanced Loyalty Rewards: up to 3.85%

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Sep 28, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year Share Certificates
$0
1.40% ▼ 1.44% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 25, 2026
National Average2.84%▼ 1.44% below avg
Details

Enhanced Loyalty Rewards: up to 3.50%

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Sep 28, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
5 Year Certificates of Deposit
$0
1.25% ▼ 1.59% below national avg
View
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.59% below avg
Details

Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 19, 2026: 1.25% APYSep 19, 2026Sep 28, 2026
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Jumbo CD
$0
1.23% ▼ 1.61% below national avg
View
▼
Rate1.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.61% below avg
Details

Balance: $100,000 +; Days: 182 - 364

Rate History
No change since Sep 19, 2026 · 1.23% APY · checked 3 times
0.73%1.23%1.73%Sep 19, 2026: 1.23% APYSep 19, 2026Sep 28, 2026
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Jumbo CD
$0
1.13% ▼ 1.71% below national avg
View
▼
Rate1.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.71% below avg
Details

Balance: $100,000 +; Days: 182 - 364

Rate History
1 change since Sep 19, 2026 · 1.23% → 1.13% ▼ 0.10 pts · high 1.23% / low 1.13%
0.63%1.18%1.73%Sep 19, 2026: 1.23% APYSep 24, 2026: 1.13% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20261.13%▼ from 1.23%
  • Sep 19, 20261.23%first recorded
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Regular CD
$0
1.01% ▼ 1.83% below national avg
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.83% below avg
Details

Balance: $2,500 - $99,999.99; Days: 182 - 364

Rate History
No change since Sep 19, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Sep 19, 2026: 1.01% APYSep 19, 2026Sep 28, 2026
Community National Bank (VT)
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Regular CD
$0
0.90% ▼ 1.94% below national avg
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 1.94% below avg
Details

Balance: $2,500 - $99,999.99; Days: 182 - 364

Rate History
1 change since Sep 19, 2026 · 1.01% → 0.90% ▼ 0.11 pts · high 1.01% / low 0.90%
0.40%0.96%1.51%Sep 19, 2026: 1.01% APYSep 24, 2026: 0.90% APYSep 19, 2026Sep 28, 2026
  • Sep 24, 20260.90%▼ from 1.01%
  • Sep 19, 20261.01%first recorded
Green Mountain Credit Union
Institution Rating:
C+4.2 ★Texas Ratio: 24.49%
Social Share Certificates - 60 Months
$0
0.60% ▼ 2.24% below national avg
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▼ 2.24% below avg
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Sep 28, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
CD/IRA - 5 Years
$500
0.55% ▼ 2.29% below national avg
View
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 27, 2026
National Average2.84%▼ 2.29% below avg
Details

Rate History
No change since Sep 11, 2026 · 0.55% APY · checked 4 times
0.05%0.55%1.05%Sep 11, 2026: 0.55% APYSep 11, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Business Certificates of Deposit
$500
0.50% ▼ 2.34% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 2.34% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 2026
Claremont Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Certificates of Deposit
$500
0.50% ▼ 2.34% below national avg
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 28, 2026
National Average2.84%▼ 2.34% below avg
Details

Minimum to Obtain APY: $0.01

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Sep 28, 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 St Albans, Vermont Institutions

Highest verified APYs available today, updated September 28, 2026

B Top 5 Bank Rates
TD Bank
12 Month Certificate
A+ 5.0 ★ TX: 4.06%
Min: $0
1.00%
Central Vermont Medical Centerinc CU
New 6 month CD Special
A+ 5.0 ★ TX: 5.27%
Min: $2,000
5.00%
The Bank of Bennington
2 Year Certificate of Deposit
A+ 5.0 ★ TX: 2.86%
Min: $500
4.20%
TrustCo Bank
18 Months CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.00%
Mascoma Bank
12-Month CD/IRA Special
A+ 5.0 ★ TX: 1.41%
Min: $500
4.00%
CU Top 5 Credit Union Rates
EastRise Credit Union
3 Year Business Certificates
A+ 5.0 ★ TX: 3.84%
Min: $0
3.65%
North Country Federal Credit Union
12 Month HSA Certificates
A 5.0 ★ TX: 8.36%
Min: $0
3.85%
Heritage Family Federal Credit Union
12 Month Premier Term Share Certificate
A+ 5.0 ★ TX: 4.78%
Min: $0
3.75%
Vermont Federal Credit Union
6 Month Certificate
A+ 5.0 ★ TX: 3.32%
Min: $5
3.70%
Green Mountain Credit Union
6 Month Certificate
C+ 4.2 ★ TX: 24.49%
Min: $0
3.60%
Rates verified September 28, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

St Albans, VT CD Rate Trends

Compare local St Albans, 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
2.942%
▼ 0.010 vs 7 days ago

Vermont 12-month CD rates fell 0.010 points over the past 7 days to 2.942% APY.

6-Month CD VT Avg
2.768%
▲ 0.001 vs 7 days ago

Vermont 6-month CD rates rose 0.001 points over the past 7 days to 2.768% APY.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

VT CD Rate Forecast, Next 12 Months

Where are Vermont CD rates headed through September 2027?

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

VT 12-Month Avg APY
2.942%
6-Month Forecast
2.942%
Range: 2.74% – 3.09%
12-Month Forecast
3.192%
Range: 2.99% – 3.34%

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 1.43% 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.

Powered by MonitorBankRates

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 2.076% $103.80 $207.59 $518.98 $1,037.95
6-Month CD 2.768% $138.39 $276.78 $691.95 $1,383.90
12-Month CD 2.942% $147.08 $294.15 $735.38 $1,470.75
18-Month CD 2.817% $140.84 $281.67 $704.18 $1,408.35
24-Month CD 2.836% $141.82 $283.64 $709.10 $1,418.20
36-Month CD 2.757% $137.86 $275.71 $689.28 $1,378.55
48-Month CD 2.751% $137.54 $275.08 $687.70 $1,375.40
60-Month CD 2.843% $142.17 $284.33 $710.83 $1,421.65
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 28, 2026.

Sample CD Ladder for St Albans, 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 2.076% $103.80
2 6-Month CD $5,000 2.768% $138.39
3 12-Month CD $5,000 2.942% $147.08
4 24-Month CD $5,000 2.836% $141.82
5 36-Month CD $5,000 2.757% $137.86
Total ($25,000 invested) $25,000 2.676% blended $668.95/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.

258
CD Rates
Tracked in St Albans, Vermont
17 Banks 8 Credit Unions

About Our St Albans, Vermont CD Rate Database

MonitorBankRates tracks 258 CD rates from 17 banks and 8 credit unions with locations in St Albans, 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 (1–5), 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: EastRise Credit Union offers a CD at 3.65% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in St Albans, Vermont.

How to Find the Best CD Rates in St Albans, Vermont

What to compare when shopping for a CD in St Albans, Vermont

To find the best APYs in St Albans, Vermont, start with credit unions and online-only banks: St Albans, Vermont has 8 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 St Albans, 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 St Albans, Vermont: 25 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
$135/yr
At VT 12-mo avg 2.942% 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 2.942%, saving 10% of the local median salary ($4,594/year) and putting it in a CD would earn an additional $135 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 St Albans, 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 (90–180 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 St Albans, 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 St Albans, 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 St Albans, Vermont as everywhere in the U.S.

Choosing a CD Term in St Albans, 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 St Albans, Vermont savers easier access to their funds. For example, EastRise Credit Union is offering its 6 Month Business Certificates at 3.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, EastRise Credit Union is offering its 5 Year Business Certificates at 3.65% 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 St Albans, 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 St Albans, 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 St Albans, 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 St Albans, 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 St Albans, Vermont

Most CDs carry a fixed rate that is locked for the entire term, protecting a St Albans, 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 St Albans, Vermont

Are CD rates in St Albans, Vermont FDIC insured?

Yes, most established banks in St Albans, 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 St Albans, 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 St Albans, 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 St Albans, 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 St Albans, Vermont?

Here are recent top rates found for this area:
  • EastRise Credit Union: 3.65% APY (3 Year Business Certificates)
  • TD Bank: 1.00% APY (12 Month Certificate)
  • Central Vermont Medical Centerinc CU: 5.00% APY (New 6 month CD Special)
  • The Bank of Bennington: 4.20% APY (2 Year Certificate of Deposit)
  • TrustCo Bank: 4.00% APY (18 Months CD)
  • Mascoma Bank: 4.00% APY (12-Month CD/IRA Special)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • North Country Federal Credit Union: 3.85% APY (12 Month HSA Certificates)
  • Community National Bank (VT): 3.82% APY (18 Month Certificate)
  • Bar Harbor Bank & Trust: 3.75% APY (12-month CD special)
Rates reflect recent verified offers available in St Albans, Vermont. Last Updated: September 28, 2026

St Albans, 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 St Albans, 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 30–180 days of interest. Estimates are for informational purposes only.

Top St Albans, Vermont CD Rates by Term

Verified September 28, 2026 · click a rate to use its term and APY
Highest verified APY per term available in St Albans, Vermont. Averages shown use the Vermont state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for St Albans, Vermont

St Albans, Vermont CD Calculator

At today’s VT top rate of 3.65% APY, a $10,000 deposit earns $365 in the first year. Enter your amount to see your exact return.

St Albans, Vermont CD Ladder

VT CD rates currently range from 2.076% (3-month) to 2.757% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a St Albans, Vermont CD at 3.65% APY, know your exit cost. Most institutions charge 90–180 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 2.942% 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 St Albans, 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 St Albans, 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 St Albans, 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: September 28, 2026

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