What are the current interest rates at Vermont Federal Credit Union?

Current rates for Vermont Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 2.75%, 24-Month CD: 2.95%, 60-Month CD: 3.50%, Savings: 4.00%

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Vermont Federal Credit Union

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Vermont Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Vermont Federal Credit Union?

Yes, to access services at Vermont Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vermont Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Vermont Federal Credit Union's top rates as of October 13, 2026 are 4.05% APY on its 13 Month CD - Limited Time Offer, 4.00% APY on savings, 1.26% APY on checking, 5.62% on its 5/6m ARM 5% Down - Margin 3.00 mortgage, personal loans from 7.50% APR, and credit cards from 10.70% APR, according to rates verified by MonitorBankRates. Other Vermont Federal Credit Union CD rates include 13 Month IRA CD at 4.05%, 13 Month Term CD at 4.05%, and 5 Month CD - Limited Time Offer at 3.80%. Other Vermont Federal Credit Union mortgage rates include Adjustable Programs - 5/6m ARM 5% Down - Margin 3.00 at 5.62%, 15 Year Fixed Rate at 6.62%, and Conventional Programs - 15 Year Fixed Rate at 6.62%. MonitorBankRates evaluates the financial stability of Vermont Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.32%. Rates last updated and verified on 10/13/2026.

Vermont Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Vermont Federal Credit Union? Share your experience about Vermont Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Vermont Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.32%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Vermont Federal Credit Union
Kennedy Drive

275 Kennedy Dr
South Burlington, VT 05403-6706

https://www.vermontfederal.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Vermont Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Certificate - Limited Time Offer	3.98%	4.05%	13 months
Min Balance $5 Details Limited time offer Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
13 Month IRA Certificate	-	4.05%	13 months
Min Balance $5 Details Limited Time Special Offer; Rates are the same for certificates in Traditional & Roth IRAs; At end of term, if no action is taken, renews to 18 month term Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
13 Month Term Share Certificate	-	4.05%	13 months
Min Balance $5 Details Limited Time Special Offer; At end of term, if no action taken, auto-renews to 18 month term; Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 4.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5 Month Certificate - Limited Time Offer	3.74%	3.80%	5 months
Min Balance $5 Details Limited time offer; at end of term, if no action is taken, account renews to a 6 month term Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5 Month IRA Certificate	-	3.80%	5 months
Min Balance $5 Details Limited Time Special Offer; Rates are the same for certificates in Traditional & Roth IRAs; At end of term, if no action is taken, renews to 6 month term Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5 Month Term Share Certificate	-	3.80%	5 months
Min Balance $5 Details Limited Time Special Offer; At end of term, if no action taken, auto-renews to 6 month term; Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Certificate	3.64%	3.70%	6 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month IRA Certificate	3.64%	3.70%	6 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Certificate	3.49%	3.55%	12 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month IRA Certificate	3.49%	3.55%	12 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Certificate	3.45%	3.50%	60 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month IRA Certificate	3.45%	3.50%	60 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate	3.45%	3.50%	60 months
Min Balance $5 Details Youth Advantage certificate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Certificate	3.20%	3.25%	48 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month IRA Certificate	3.20%	3.25%	48 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Certificate	3.11%	3.15%	36 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month IRA Certificate	3.11%	3.15%	36 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Certificate	2.91%	2.95%	24 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month IRA Certificate	2.91%	2.95%	24 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Certificate	2.72%	2.75%	18 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month IRA Certificate	2.72%	2.75%	18 months
Min Balance $5 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings - Limited Time Special Rate	3.93%	4.00%
Min Balance $0 Details Balance: $0.01 - $5,000.00; Special 4.00% APY applies until 12/31/2026, then converts to a Special Savings Account at market rates; Limit of 1 High Yield Savings Account per member; Must be a member to open; $5 share deposit required for membership Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - Holiday Savings	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - IRA (Accumulator) Share Account	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - Shares	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - Special Accounts	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Share Savings - Vacation Club Account	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Vacation Club Account	0.10%	0.10%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Share Savings - Business Savings	0.10%	0.10%
Details Dividend Rate 0.10%; APY 0.10% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Checking Rates

Product	Rate	APY	View More
Reward Checking	1.25%	1.26%
Details $0-$25k; Qualifications Required; Balance: $0-$25k (Requirements Met); APY paid on balances $0.01-$25,000; 0.25% APY on amounts above $25,000 not extracted Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6m ARM 5% Down - Margin 3.00	5.625%	0	6.36%
Details Index: 30-Day SOFR; Caps 2/5; Margin 3.00; Payment per $1000: $5.76 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Adjustable Programs - 5/6m ARM 5% Down - Margin 3.00	5.625%	0	6.36%
Details INDEX 30-Day SOFR - Caps 2/5; Payment per $1000: $5.76; Rates quoted as low as, subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
15 Year Fixed Rate	6.625%	0.00	6.809%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.31% → 6.81% ▲ 0.50 pts · high 6.94% / low 6.31% Oct 13, 20266.81%▼ from 6.94% Oct 9, 20266.94%▲ from 6.81% Oct 5, 20266.81%▲ from 6.56% Sep 18, 20266.56%▲ from 6.31% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 15 Year Fixed Rate	6.625%	0.00	6.809%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 6.56% → 6.81% ▲ 0.25 pts · high 6.81% / low 6.56% Sep 25, 20266.81%▲ from 6.56% Sep 21, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
15 Year Fixed Rate	6.50%	1.00	6.846%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.34% → 6.85% ▲ 0.50 pts · high 6.97% / low 6.34% Oct 13, 20266.85%▼ from 6.97% Oct 9, 20266.97%▲ from 6.85% Oct 5, 20266.85%▲ from 6.59% Sep 18, 20266.59%▲ from 6.34% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 15 Year Fixed Rate	6.50%	1.00	6.846%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 6.59% → 6.85% ▲ 0.25 pts · high 6.85% / low 6.59% Sep 25, 20266.85%▲ from 6.59% Sep 21, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
10/6m ARM 5% Down - Margin 3.00	6.125%	0	6.863%
Details Index: 30-Day SOFR; Caps 2/5; Margin 3.00; Payment per $1000: $6.08 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Adjustable Programs - 10/6m ARM 5% Down - Margin 3.00	6.125%	0	6.863%
Details INDEX 30-Day SOFR - Caps 2/5; Payment per $1000: $6.08; Rates quoted as low as, subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Programs - 15 Year Fixed	6.75%	0.00	6.863%	15 years
Details Loan amount: $832,751 - $1,249,125 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.36% → 6.86% ▲ 0.50 pts · high 6.99% / low 6.36% Oct 13, 20266.86%▼ from 6.99% Oct 9, 20266.99%▲ from 6.86% Sep 25, 20266.86%▲ from 6.61% Sep 17, 20266.61%▲ from 6.36% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
15 Year Fixed Rate	6.375%	2.00	6.884%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 15 Year Loan	6.375%	2.00	6.884%	15 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Sep 25, 20266.88%▲ from 6.63% Sep 21, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
5/6m ARM Land Loan - Margin 4.50	6.25%	0	6.989%
Details Index: 30-Day SOFR; Caps 2/5; Margin 4.50; Payment per $1000: $7.78 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Adjustable Programs - 5/6m ARM Land Loan - Margin 4.50	6.25%	0	6.989%
Details INDEX 30-Day SOFR - Caps 2/5; Payment per $1000: $7.78; Rates quoted as low as, subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
20 Year Fixed Rate	7.00%	0.00	7.15%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.77% → 7.15% ▲ 0.38 pts · high 7.28% / low 6.65% Oct 13, 20267.15%▼ from 7.28% Oct 9, 20267.28%▲ from 7.15% Oct 5, 20267.15%▲ from 6.65% Sep 18, 20266.65%▼ from 6.77% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 20 Year Fixed Rate	7.00%	0.00	7.15%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.77% → 7.15% ▲ 0.38 pts · high 7.28% / low 6.77% Oct 13, 20267.15%▼ from 7.28% Sep 25, 20267.28%▲ from 6.77% Sep 21, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
20 Year Fixed Rate	6.875%	1.00	7.156%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.78% → 7.16% ▲ 0.38 pts · high 7.28% / low 6.65% Oct 13, 20267.16%▼ from 7.28% Oct 9, 20267.28%▲ from 7.16% Oct 5, 20267.16%▲ from 6.65% Sep 18, 20266.65%▼ from 6.78% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 20 Year Fixed Rate	6.875%	1.00	7.156%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.78% → 7.16% ▲ 0.38 pts · high 7.28% / low 6.78% Oct 13, 20267.16%▼ from 7.28% Sep 25, 20267.28%▲ from 6.78% Sep 21, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
20 Year Fixed Rate	6.75%	2.00	7.162%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.78% → 7.16% ▲ 0.38 pts · high 7.29% / low 6.65% Oct 13, 20267.16%▼ from 7.29% Oct 9, 20267.29%▲ from 7.16% Oct 5, 20267.16%▲ from 6.65% Sep 18, 20266.65%▼ from 6.78% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 20 Year Fixed Rate	6.75%	2.00	7.162%	20 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.78% → 7.16% ▲ 0.38 pts · high 7.29% / low 6.78% Oct 13, 20267.16%▼ from 7.29% Sep 25, 20267.29%▲ from 6.78% Sep 21, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Year Fixed Rate	6.875%	2.00	7.193%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.43% → 7.19% ▲ 0.76 pts · high 7.19% / low 6.43% Oct 9, 20267.19%▲ from 7.07% Oct 5, 20267.07%▲ from 6.81% Sep 18, 20266.81%▲ from 6.43% Sep 14, 20266.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 30 Year Fixed Rate	6.875%	2.00	7.193%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.81% → 7.19% ▲ 0.38 pts · high 7.19% / low 6.81% Oct 2, 20267.19%▲ from 6.94% Sep 25, 20266.94%▲ from 6.81% Sep 21, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Year Fixed Rate	7.00%	1.00	7.217%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.46% → 7.22% ▲ 0.76 pts · high 7.22% / low 6.46% Oct 9, 20267.22%▲ from 7.09% Oct 5, 20267.09%▲ from 6.84% Sep 18, 20266.84%▲ from 6.46% Sep 14, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 30 Year Fixed Rate	7.00%	1.00	7.217%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.84% → 7.22% ▲ 0.38 pts · high 7.22% / low 6.84% Oct 2, 20267.22%▲ from 6.96% Sep 25, 20266.96%▲ from 6.84% Sep 21, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
30 Year Fixed Rate	7.125%	0.00	7.241%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 9, 20267.24%▲ from 7.12% Oct 5, 20267.12%▲ from 6.86% Sep 18, 20266.86%▲ from 6.49% Sep 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 30 Year Fixed Rate	7.125%	0.00	7.241%	30 years
Details Loans up to $832,750 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 6.86% → 7.24% ▲ 0.38 pts · high 7.24% / low 6.86% Oct 2, 20267.24%▲ from 6.99% Sep 25, 20266.99%▲ from 6.86% Sep 21, 20266.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Jumbo Programs - 30 Year Fixed Rate	7.125%	0.00	7.241%	30 years
Details Loan amount: $832,751 - $1,249,125 Last Updated 10/13/2026 Rate History 5 changes since Sep 14, 2026 · 6.49% → 7.24% ▲ 0.75 pts · high 7.24% / low 6.49% Oct 9, 20267.24%▲ from 7.12% Oct 5, 20267.12%▼ from 7.24% Oct 2, 20267.24%▲ from 6.99% Sep 25, 20266.99%▲ from 6.86% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
10 Year Fixed Land Loan	7.25%	0.00	7.367%	10 years
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.37% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Conventional Programs - 10 Year Fixed Land Loan	7.25%	0.00	7.367%	10 years
Details Land loan Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 7.37% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Mini Mortgage Loan	5.50%	-	5.50%	10 Years
Details Term: 10 Years - Maximum Term; 80% Maximum Loan to Value; APR is the Annual Percentage Rate on the loan. All rates quoted "as low as" and subject to credit evaluation. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	6.25%	-	6.25%	0-60 Months
Details 80% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Line of Credit	6.50%	-	6.50%
Details 80% Maximum Loan to Value; APR is the Annual Percentage Rate on the loan. All rates quoted "as low as" and subject to credit evaluation. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	6.99%	-	6.99%	61-120 Months
Details 80% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	7.74%	-	7.74%	121-180 Months
Details 80% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	7.75%	-	7.75%	0-60 Months
Details 95% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Home Equity Line of Credit	8.25%	-	8.25%
Details 90% Maximum Loan to Value; Based on current tax assessment; APR is the Annual Percentage Rate on the loan. All rates quoted "as low as" and subject to credit evaluation. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	8.49%	-	8.49%	61-120 Months
Details 95% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Home Equity Loan	9.24%	-	9.24%	121-180 Months
Details 95% Maximum Loan to Value; Based on current appraisal; APR is the Annual Percentage Rate on the loan. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Electric/Hybrid Auto Loan - 24 Months	-	-	4.40%	24 Months
Details As Low As; Model Year: Up to 10 model years old; Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 36 Months	-	-	4.55%	36 Months
Details As Low As; Model Year: Up to 10 model years old; Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 48 Months	-	-	4.70%	48 Months
Details As Low As; Model Year: Up to 5 model years old; Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 60 Months	-	-	4.85%	60 Months
Details As Low As; Model Year: Up to 4 model years old; Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.85% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	4.90%	24 Months
Details As Low As; Model Year: Up to 10 model years old; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 72 Months	-	-	5.00%	72 Months
Details As Low As; Model Year: Up to 3 model years old (Minimum $15K); Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.05%	36 Months
Details As Low As; Model Year: Up to 10 model years old; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.05% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.20%	48 Months
Details As Low As; Model Year: Up to 5 model years old; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.20% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.35%	60 Months
Details As Low As; Model Year: Up to 4 model years old; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.35% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	5.50%	72 Months
Details As Low As; Model Year: Up to 3 model years old; Minimum $15K; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 84 Months	-	-	5.60%	84 Months
Details As Low As; Model Year: Up to 2 model years old (Minimum $25K); Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New/Used Auto & Motorcycle Loan	-	-	6.10%	84 Months
Details As Low As; Model Year: Up to 2 model years old; Minimum $25K; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.10% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Electric/Hybrid Auto Loan - 96 Months	-	-	7.24%	96 Months
Details As Low As; Model Year: New Only (Min $35K); Must be an electric or hybrid vehicle Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
New Auto Loan	-	-	7.74%	96 Months
Details As Low As; Model Year: New Only; Minimum $35K; Rates are quoted 'as low as' and subject to credit and collateral evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.40%	24 Months
Details Model Year: Up to 10 model years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.40% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.55%	36 Months
Details Model Year: Up to 10 model years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.55% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.70%	48 Months
Details Model Year: Up to 5 model years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat - RV - ATV - Snowmobile - Watercraft Loan	-	5.85%	60 Months
Details Model Year: Up to 4 model years old Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat - RV Loan	-	6.00%	72 Months
Details Model Year: Up to 3 model years old; Minimum loan $20K Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Boat - RV Loan	-	8.24%	73-120 Months
Details Model Year: Up to 8 model years old; Minimum loan $35K Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Fixed Rate Student Loan (Line of Credit)	-	-	3.99%
Details Loan amount: Minimum $1,000.00, Maximum $75,000.00; Rate is fixed during the draw period. Repayment period is based on the initial rate. Fixed Rate available for Undergraduate Student Loans only. Annual minimum of $1,000 and maximum throughout college career of $50,000. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Student Loan Refinance (5 Year Term)	-	-	6.75%	5 Year
Details Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate Student Loan (Line of Credit)	-	-	7.24%
Details Loan amount: Minimum $1,000.00, Maximum $75,000.00; Variable rate based upon PRIME; adjusted quarterly. Annual minimum of $1,000 and maximum throughout college career of $50,000. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Variable Rate Student Loan Refinance	-	-	9.75%
Details Loan amount: Minimum $5,000.00, Maximum $75,000.00; Variable rate based upon PRIME; adjusted quarterly. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum	-	10.70%
Details As Low As; Annual Fee: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VISA Signature Rewards	-	13.70%
Details As Low As; Annual Fee: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan (0-12 Month Term)	7.50%
Details As Low As; Annual Percentage Rate; subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan (13-36 Month Term)	9.50%
Details As Low As; Annual Percentage Rate; subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Personal Loan (37-60 Month Term)	10.75%
Details As Low As; Annual Percentage Rate; subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VISA Signature Rewards	13.70%
Details As Low As; Annual Fee: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Signature Line of Credit	16.00%
Details As Low As; Annual Percentage Rate; subject to credit evaluation Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.75% → 16.00% ▲ 0.25 pts · high 16.00% / low 15.75% Sep 17, 202616.00%▲ from 15.75% Sep 14, 202615.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Vermont Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	6.00%
Details As Low As; Annual Percentage Rate; subject to credit evaluation Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Efficiency Home Improvement Loan (0-60 Month Term)	-	-	6.95%	0-60 months
Details Loan amount: Minimum $2,500.00; Maximum $40,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Efficiency Home Improvement Loan (61-120 Month Term)	-	-	7.95%	61-120 months
Details Loan amount: Minimum $2,500.00; Maximum $40,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Fixed Rate Student Refinance Loan (10 Year Term)	-	-	7.75%	10 Year
Details Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Graduate Business Loan (Line of Credit)	-	-	10.00%
Details Loan amount: Minimum $1,000.00, Maximum $75,000.00; Variable rate based upon PRIME; adjusted quarterly. Annual minimum of $1,000 and maximum throughout college career of $50,000. Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 10.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Quick Fix Home Improvement Loan (0-72 Month Term)	-	-	8.99%	0-72 months
Details Loan amount: Minimum $2,500.00; Maximum $15,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Rural Development 30 Year Loan	7.125%	0	7.269%	30 years
Details As Low As; Government Programs; 100% Financing Programs Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.64% → 7.27% ▲ 0.63 pts · high 7.27% / low 6.64% Oct 5, 20267.27%▲ from 7.14% Sep 29, 20267.14%▲ from 7.02% Sep 25, 20267.02%▲ from 6.77% Sep 17, 20266.77%▲ from 6.64% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Loan (180 Month & 240 Month Terms)	-	-	6.90%	180 Month
Details Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Solar Loan (60 Month & 120 Month Terms)	-	-	5.90%	60 Month
Details Loan amount: Minimum $5,000.00; Maximum $75,000.00 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - Advantage 3% Down Loan	7.00%	0.00	7.143%
Details VHFA loan size and income limits apply; Must be a member to obtain a loan Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.14% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - Advantage Government Loan	6.75%	0.00	6.891%
Details VHFA loan size and income limits apply; Must be a member to obtain a loan Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - MOVE 3% Down Loan	6.50%	0.00	6.639%
Details VHFA loan size and income limits apply; Must be a member to obtain a loan Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
VHFA Programs - MOVE Government Loan	6.50%	0.00	6.639%
Details VHFA loan size and income limits apply; Must be a member to obtain a loan Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.64% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month IRA Certificate	-	-	3.55%	12 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
12 Month Term Share Certificate	-	-	3.55%	12 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month IRA Certificate	-	-	2.75%	18 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
18 Month Term Share Certificate	-	-	2.75%	18 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month IRA Certificate	-	-	2.95%	24 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
24 Month Term Share Certificate	-	-	2.95%	24 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month IRA Certificate	-	-	3.15%	36 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
36 Month Term Share Certificate	-	-	3.15%	36 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month IRA Certificate	-	-	3.25%	48 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
48 Month Term Share Certificate	-	-	3.25%	48 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month IRA Certificate	-	-	3.70%	6 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
6 Month Term Share Certificate	-	-	3.70%	6 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month IRA Certificate	-	-	3.50%	60 months
Min Balance $5 Details Rates are the same for certificates in Traditional & Roth IRAs Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
60 Month Term Share Certificate	-	-	3.50%	60 months
Min Balance $5 Details Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Business Shares	0.10%	-	0.10%
Details Share Savings section; Share Type: Shares Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
IRA Share Account	0.10%	-	0.10%
Min Balance $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Shares	0.10%	-	0.10%
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Special Accounts	0.10%	-	0.10%
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%
Youth Advantage 60 Month Certificate	-	-	3.50%	60 months
Min Balance $5 Details Ages: 0-18; Term Share Certificate must be in youth's name; Unlimited additional deposits throughout the term; Early withdrawal penalty applies Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.32%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Vermont Federal Credit Union’s Texas Ratio rose from 2.14% in Q3 2023 to 3.32% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	3.32%	5.0	A+
March 31, 2026	$1.1B	3.55%	5.0	A+
December 31, 2025	$1.0B	3.46%	5.0	A+
September 30, 2025	$1.0B	3.31%	5.0	A+
June 30, 2025	$1.0B	3.01%	5.0	A+
March 31, 2025	$1.0B	2.85%	5.0	A+
December 31, 2024	$995M	2.91%	5.0	A+
September 30, 2024	$976M	2.39%	5.0	A+
June 30, 2024	$956M	2.25%	5.0	A+
March 31, 2024	$946M	2.45%	5.0	A+
December 31, 2023	$933M	1.86%	5.0	A+
September 30, 2023	$933M	2.14%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Vermont Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Vermont Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Vermont Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Vermont Federal Credit Union

Website https://www.vermontfederal.org

Address 275 Kennedy Dr, South Burlington, VT 05403-6706

Phone 888-252-0202

Fax

President Megan Manahan Bliss

CEO Jean Giard

Full-Time Employees 186

Part-Time Employees 13

Branch Locations 9

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.32%

Return on Assets (ROA)

0.4407%

Return on Equity (ROE)

4.0766%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

1,140,173,609

Total Amount of Shares and Deposits

1,012,286,324

Total Shares and Deposits < 1 Year

971,112,540

Total Shares and Deposits 1 3 Years

18,197,178

Total Shares and Deposits > 3 Years

22,976,607

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

78,431,018

Total Uninsured Shares and Deposits > $250K (F+J)

78,431,018

Total Insured Shares and Deposits > $250K (item 17 less item K)

933,855,306

Total Interest Expense (Sum of items 6 8)

7,710,742

Share Certificates

8,328

Number of Accounts for Share Drafts

46,381

IRA KEOGH Accounts

3,415

Number of Accounts for Regular Shares

78,934

All other shares

1,583

Money Market Shares

5,554

Net Income (unless the amount is already included in Undivided Earnings)

5,024,656

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

92,268,515

Total Liabilities

1,023,402,590

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Vermont Federal Credit Union earned the Verified Healthy badge

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Average Rating

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Frequently Asked Questions About Vermont Federal Credit Union

How many branches does Vermont Federal Credit Union operate?

Vermont Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Vermont Federal Credit Union?

Yes, to access services at Vermont Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Vermont Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Vermont Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Vermont Federal Credit Union offer online and mobile banking?

Most modern institutions like Vermont Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.vermontfederal.org.

Current Vermont Federal Credit Union Rates

12-Month CD3.55%
18-Month CD2.75%
24-Month CD2.95%
60-Month CD3.50%
Savings4.00%

Retrieved from our database of financial products. Rates subject to change.

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Vermont Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About Vermont Federal Credit Union

How many branches does Vermont Federal Credit Union operate?

Is a member application needed to join Vermont Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Vermont Federal Credit Union offer online and mobile banking?

Current Vermont Federal Credit Union Rates

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