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iAdvertiser Disclosure Vermont Rate Trends

Mortgage Rates Vermont (VT) for March 2026

Q: What are the best Mortgage rates in Vermont?

Recent mortgage rates in Vermont include: Union Bank Morrisville, VT: 5.50% (30 Year Fixed Rate MOVE Conventional)Peoples Trust Co. of St. Albans: 5.75% (30 Year Fixed Rate)TrustCo Bank: 5.75% (30 Year Mortgages)First National Bank of Orwell: 6.00% (30 Year Fixed Rate)Vermont Federal Credit Union: 5.88% (30 Year Fixed Rate). Last Updated and Verified: March 20, 2026.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Mortgage Rates Last Updated and Verified: March 20, 2026

Current 30-year fixed mortgage rates in Vermont as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Union Bank Morrisville, VTUnion Bank Morrisville, VT1028 Us Route 302, Berlin, VT, 05403A+5.0 ★Texas Ratio: 3.26% at 5.50%, Peoples Trust Co. of St. AlbansPeoples Trust Co. of St. Albans1127 Ethan Allen Highway, Enosburg Falls, VT, 05450A+5.0 ★Texas Ratio: 3.62% at 5.75%, TrustCo BankTrustCo Bank215 North St, Bennington, VT, 05201A+5.0 ★Texas Ratio: 3.16% at 5.75%, First National Bank of OrwellFirst National Bank of Orwell2936 Vt Route 22a, Orwell, VT, 05760A5.0 ★Texas Ratio: 10.15% at 6.00%, and Vermont Federal Credit UnionVermont Federal Credit Union1 Carmichael St, Barre, VT, 05401 4441A+5.0 ★Texas Ratio: 3.42% at 5.88%.

Mortgage rates in Vermont (VT) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.

Mortgage Rates reflect actual verified offers from lenders actively lending to Vermont borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026

Vermont Mortgage Rate Trends

Compare local Vermont mortgage rate quotes against the statewide average

Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Vermont Trends →

30-Year Fixed — VT Avg

6.114%

▲ 0.029 from last week

For buyers in Vermont, the broader Vermont 30-year fixed average mortgage rate rose 0.029 points this week to 6.114%, according to MonitorBankRates trend data.

15-Year Fixed — VT Avg

5.771%

▼ 2.000 from last week

For buyers in Vermont, the broader Vermont 15-year fixed average mortgage rate fell 2.000 points this week to 5.771%, according to MonitorBankRates trend data.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Mortgage Rates Today in Vermont

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate MOVE Conventional

5.50%

5.60%

View

▼

Rate5.50%

APR5.60%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

30 Year Fixed Rate

5.75%

5.77%

View

▼

Rate5.75%

APR5.77%

Points1.000

UpdatedMar 15, 2026

Details

No additional details available.

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

215 North St, Bennington, VT, 05201

30 Year Mortgages

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMar 15, 2026

Details

Purchase

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

215 North St, Bennington, VT, 05201

30 Year Mortgages Purchase

5.75%

5.81%

View

▼

Rate5.75%

APR5.81%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

30 Year Fixed Rate

5.88%

5.90%

View

▼

Rate5.88%

APR5.90%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

First National Bank of Orwell

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2936 Vt Route 22a, Orwell, VT, 05760

30 Year Fixed Rate

6.00%

6.06%

View

▼

Rate6.00%

APR6.06%

Points0.000

UpdatedMar 16, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

30 Year Fixed Rate

5.88%

6.17%

View

▼

Rate5.88%

APR6.17%

Points2.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate

6.12%

6.18%

View

▼

Rate6.12%

APR6.18%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate RD

5.75%

6.20%

View

▼

Rate5.75%

APR6.20%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

30 Year Fixed Rate

6.00%

6.20%

View

▼

Rate6.00%

APR6.20%

Points1.000

UpdatedMar 15, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

30 Year Fixed Rate

6.12%

6.23%

View

▼

Rate6.12%

APR6.23%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

RD - Servicing Released 30 Year Fixed Rate

6.03%

6.25%

View

▼

Rate6.03%

APR6.25%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Citizens Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

1108 Vt Route 149, Bennington, VT, 05201

30-Year Fixed Rate

6.25%

6.35%

View

▼

Rate6.25%

APR6.35%

Points0.500

UpdatedMar 18, 2026

Details

No additional details available.

Citizens Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

1108 Vt Route 149, Bennington, VT, 05201

30-Year Fixed Rate

6.38%

6.46%

View

▼

Rate6.38%

APR6.46%

Points0.375

UpdatedMar 18, 2026

Details

Rates shown include 0.125% autopay and paperless discount.

Passumpsic Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

1 Gardner St, Berlin, VT, 05301

30 Year Fixed

6.25%

6.48%

View

▼

Rate6.25%

APR6.48%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

15 Year Fixed Rate

5.12%

5.16%

View

▼

Rate5.12%

APR5.16%

Points1.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

15 Year Fixed Rate

5.50%

5.54%

View

▼

Rate5.50%

APR5.54%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

15 Year Fixed Rate

5.50%

5.68%

View

▼

Rate5.50%

APR5.68%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

15 Year Fixed Rate

5.38%

5.71%

View

▼

Rate5.38%

APR5.71%

Points1.000

UpdatedMar 15, 2026

Details

No additional details available.

First National Bank of Orwell

Institution Rating:

A5.0 ★Texas Ratio: 10.15%

2936 Vt Route 22a, Orwell, VT, 05760

15 Year Fixed Rate

5.62%

5.72%

View

▼

Rate5.62%

APR5.72%

Points0.000

UpdatedMar 16, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

15 Year Fixed

5.62%

5.73%

View

▼

Rate5.62%

APR5.73%

Points0.000

UpdatedMar 15, 2026

Details

Loans $832,751 - $1,249,125

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

15 Year Fixed Rate

5.25%

5.74%

View

▼

Rate5.25%

APR5.74%

Points2.000

UpdatedMar 15, 2026

Details

No additional details available.

Citizens Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

1108 Vt Route 149, Bennington, VT, 05201

15-Year Fixed Rate

5.62%

5.76%

View

▼

Rate5.62%

APR5.76%

Points0.375

UpdatedMar 18, 2026

Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank

Institution Rating:

A5.0 ★Texas Ratio: 8.28%

1108 Vt Route 149, Bennington, VT, 05201

15-Year Fixed Rate

5.62%

5.77%

View

▼

Rate5.62%

APR5.77%

Points0.375

UpdatedMar 18, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

15 Year Fixed Rate

5.88%

5.96%

View

▼

Rate5.88%

APR5.96%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Passumpsic Savings Bank

Institution Rating:

A5.0 ★Texas Ratio: 12.48%

1 Gardner St, Berlin, VT, 05301

15 Year Fixed

5.75%

6.12%

View

▼

Rate5.75%

APR6.12%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

15 Year Fixed Rate

7.99%

8.07%

View

▼

Rate7.99%

APR8.07%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

3/1 ARM

4.50%

4.65%

View

▼

Rate4.50%

APR4.65%

Points0.000

UpdatedMar 17, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

5/1 ARM

5.00%

5.15%

View

▼

Rate5.00%

APR5.15%

Points0.000

UpdatedMar 17, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Second Home Adjustable Rate Mortgages - servicing retained 5/1 ARM

5.38%

5.56%

View

▼

Rate5.38%

APR5.56%

Points0.375

UpdatedMar 17, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained 3/1 ARM

5.50%

5.75%

View

▼

Rate5.50%

APR5.75%

Points1.000

UpdatedMar 17, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

3/1 ARM

5.12%

5.86%

View

▼

Rate5.12%

APR5.86%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

215 North St, Bennington, VT, 05201

5/1 ARM

5.38%

6.11%

View

▼

Rate5.38%

APR6.11%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

215 North St, Bennington, VT, 05201

5/1 ARM, Primary Purchase

5.38%

6.11%

View

▼

Rate5.38%

APR6.11%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Investment Property Adjustable Rate Mortgages (Non-Owner Occupied) - servicing retained 5/1 ARM

6.00%

6.26%

View

▼

Rate6.00%

APR6.26%

Points1.000

UpdatedMar 17, 2026

Details

No additional details available.

Northfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.01%

100 State St, Barre, VT, 05032

5 Year Adjustable Rate*

15 Years

5.88%

6.27%

View

▼

Rate5.88%

APR6.27%

Points0.000

UpdatedMar 20, 2026

Details

No additional details available.

Northfield Savings Bank

Institution Rating:

A+5.0 ★Texas Ratio: 4.01%

100 State St, Barre, VT, 05032

7 year Adjustable Rate**

30 Years

6.00%

6.33%

View

▼

Rate6.00%

APR6.33%

Points0.000

UpdatedMar 20, 2026

Details

No additional details available.

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

5/6m ARM

5.75%

6.49%

View

▼

Rate5.75%

APR6.49%

Points0.000

UpdatedMar 15, 2026

Details

5% Down - Margin 3.00

Vermont Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.42%

1 Carmichael St, Barre, VT, 05401 4441

5/6m ARM

6.25%

6.99%

View

▼

Rate6.25%

APR6.99%

Points0.000

UpdatedMar 15, 2026

Details

Land Loan - Margin 4.50

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained 3/1 ARM

7.50%

7.72%

View

▼

Rate7.50%

APR7.72%

Points0.000

UpdatedMar 17, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained 5/1 ARM

8.00%

8.23%

View

▼

Rate8.00%

APR8.23%

Points0.000

UpdatedMar 17, 2026

Details

No additional details available.

802 Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 5.91%

105 Westminster St, Barre, VT, 05001 4720

Manufactured Home Fixed Rate Mortgages - for Primary residences on owned land - servicing retained 3/1 ARM

8.50%

8.79%

View

▼

Rate8.50%

APR8.79%

Points0.000

UpdatedMar 17, 2026

Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

TrustCo Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.16%

215 North St, Bennington, VT, 05201

First Mortgage, Jumbo (30 Year)

5.99%

6.00%

View

▼

Rate5.99%

APR6.00%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate Jumbo

6.25%

6.26%

View

▼

Rate6.25%

APR6.26%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate MOVE RD, VA, FHA

5.50%

6.13%

View

▼

Rate5.50%

APR6.13%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

FHA - Servicing Released 30 Year Fixed Rate

5.94%

6.24%

View

▼

Rate5.94%

APR6.24%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate FHA

5.75%

6.26%

View

▼

Rate5.75%

APR6.26%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate Advantage RD, VA, FHA

5.75%

6.38%

View

▼

Rate5.75%

APR6.38%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates

Lender

Product

Term

Rate

APR

Profile

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate Advantage Conventional

6.00%

6.10%

View

▼

Rate6.00%

APR6.10%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Union Bank Morrisville, VT

Institution Rating:

A+5.0 ★Texas Ratio: 3.26%

1028 Us Route 302, Berlin, VT, 05403

30 Year Fixed Rate VA

6.12%

6.24%

View

▼

Rate6.12%

APR6.24%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Peoples Trust Co. of St. Albans

Institution Rating:

A+5.0 ★Texas Ratio: 3.62%

1127 Ethan Allen Highway, Enosburg Falls, VT, 05450

VA - Servicing Released 30 Year Fixed Rate

6.03%

6.52%

View

▼

Rate6.03%

APR6.52%

Points0.000

UpdatedMar 15, 2026

Details

No additional details available.

Disclaimer

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

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Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Vermont directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Vermont. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in VT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Rates in Vermont

How does my credit score affect my rate in Vermont?

Your credit score is a major factor. Generally, borrowers in Vermont with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Vermont because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in Vermont?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Vermont, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Vermont, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Vermont?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Vermont, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in Vermont?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Vermont offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Vermont?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.