South Burlington, Vermont Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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South Burlington, Vermont savings account rates range from 0.03% to 4.07% APY, verified by MonitorBankRates as of October 14, 2026. The best savings rates for South Burlington, Vermont and the surrounding area include Vermont Federal Credit UnionVermont Federal Credit Union80 Midas Dr Ste 100, South Burlington, VT 05403 6374A+5.0 ★Texas Ratio: 3.32%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings - Limited Time Special Rate at 4.00% APY, Mascoma BankMascoma Bank1185 Shelburne Rd, South Burlington, VT 05403A+5.0 ★Texas Ratio: 1.41%Real return: +0.70%APY minus 2.8% CPI (February 2026) Build Savings at 3.50% APY, Citizens AccessCitizens Access1117 Shelburne Rd, South Burlington, VT 05403A+5.0 ★Texas Ratio: 5.44%Real return: +0.00%APY minus 2.8% CPI (February 2026) Savings account at 2.80% APY, 802 Credit Union802 Credit Union50 White St, South Burlington, VT 05403A5.0 ★Texas Ratio: 8.74%Real return: -2.05%APY minus 2.8% CPI (February 2026) IRA Shares at 0.75% APY, and Northfield Savings BankNorthfield Savings Bank1120 Shelburne Rd, South Burlington, VT 05403A+5.0 ★Texas Ratio: 3.85%Real return: -2.20%APY minus 2.8% CPI (February 2026) Business Government Savings at 0.60% APY.
South Burlington has 62 local institutions in our database, with savings rates as high as 4.00% APY from Vermont Federal Credit Union at 80 Midas Dr Ste 100, South Burlington, VT 05403 6374. Use the table below to compare all available offers, including options from institutions serving the broader Vermont area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in South Burlington, Vermont and the surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Savings Rates in South Burlington, Vermont & Surrounding Communities
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
Balance: $0.01-$4,999.99
Balance: $0.01 - $4,999.99; Variable APY, subject to change without notice
Dividends paid monthly
Balance: $50,000 and over
Balance: $50,000 and over
Balance: $50,000
Balance: $50,000 and over
Balance: $25,000 - $49,999.99
Balance: $25,000 - $49,999.99
Balance: $25,000
Balance: $25,000 - $49,999.99
Balance: $10,000 - $24,999.99
Balance: $10,000
Balance: $10,000 - $24,999.99
Balance: $50,000 +
Dividends paid monthly. ($25.00 minimum to receive dividends)
Balance: $25,000 < $50,000
Balance: $0 - $9,999.99
Balance: $0
Balance: $500 - $9,999.99
APY reflects the current minimum APY offered. Fees may reduce earnings.
Savings Accounts
Minimum balance to earn APY:; APY reflects current minimum APY offered; Fees could reduce earnings; Early withdrawal penalties may apply to Certificates
Savings Accounts
Balance: $2,500 < $25,000
Balance: $0.01 < $2,500
- Sep 29, 20260.10%▼ from 0.25%
- Sep 21, 20260.25%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Share Savings section; Share Type: Shares
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%
Dividend Rate 0.10%; APY 0.10%; $10 minimum for joint account; dividends compounded and paid quarterly
Special Share account; no minimum balance; no monthly maintenance fees; personalized account naming
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMA0926; Apply online or contact KeyBank by 11/4/2026; Requires $5,000 balance growth; Bring at least $5,000 to Key
Balance: $0.00 - $2,499.99; 6-month bonus rate; Bring at least $25,000 to Key; Offer Code VRMB0926; Apply online with this code or contact us to apply to existing account by 11/4/2026; Rate may vary by booking location; Standard or relationship rates apply after bonus period
Balance: $100 < $2,500
Balance: $0.01 < $2,500; Tier 1 - Average daily balance; Accounts Opened Online
Balance: $25 +; Interest Rates for Accounts Opened Online
Balance: $.01 - $999.99
Balance: $.01 and up
- Oct 8, 20263.25%▲ from 3.05%
- Sep 14, 20263.05%first recorded
Dividends paid Quarterly
Balance: $5,000 & Up
Individual Retirement Account (IRA) Shares/Savings Rates; Effective 10-13-2026
Effective 10-13-2026
Effective 10-13-2026
Dividends paid Quarterly
Dividends paid Quarterly
Balance: $0 - $4,999.99
Minimum Balance to Avoid a Service Fee: $5
Set at Each Quarter End, Subject to Change; Last Dividend Declaration Date: 06/09/26
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
South Burlington, VT Savings Rate Trends
Compare local South Burlington, VT savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Vermont high-yield savings rates rose 0.034 points over the past 7 days to 2.205% APY, up from 2.171%.
Vermont standard savings rates rose 0.008 points over the past 7 days to 0.520% APY, up from 0.512%.
South Burlington, Vermont Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current VT high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current VT high-yield savings average of 2.205% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in South Burlington, Vermont.
Savings Account Earnings in South Burlington, Vermont
Annual interest earnings at current VT average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.205% APY) | Monthly Earnings | Standard Savings (0.520% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $110.23 / year | $9.19 | $25.98 / year | $2.17 |
| $10,000 | $220.46 / year | $18.37 | $51.95 / year | $4.33 |
| $25,000 | $551.15 / year | $45.93 | $129.88 / year | $10.82 |
| $50,000 | $1,102.30 / year | $91.86 | $259.75 / year | $21.65 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: South Burlington, Vermont savings rate averages as of October 14, 2026. | ||||
About Our South Burlington, Vermont Savings Rate Database
MonitorBankRates found 10 institutions with branches in South Burlington (5 banks, 5 credit unions), plus 5 additional state-chartered and national online institutions available to South Burlington 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 to 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: Vermont Federal Credit Union offers a savings account at 4.00% APY. Use the rate table above to compare all current offers in South Burlington, Vermont.
How to Find the Best Savings Rates in South Burlington, Vermont
What to compare when shopping for a savings account in South Burlington, Vermont
To find the best savings APYs in South Burlington, Vermont, start with credit unions and online-only banks: South Burlington, Vermont has 9 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current VT high-yield savings average is 2.205% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. South Burlington, Vermont high-yield savings rates currently average 2.205% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at South Burlington, Vermont institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 15 institutions in South Burlington, Vermont report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return South Burlington, Vermont CD rates
- You want check-writing flexibility South Burlington, Vermont money market rates
- You need daily transaction access South Burlington, Vermont checking rates
South Burlington, Vermont Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
17.8% of residents are 65 or older, in line with the national average of 17.3%. At today’s VT high-yield savings average of 2.205%, saving 10% of the local median salary ($5,443/year) would earn an additional $120 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other South Burlington, Vermont Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in South Burlington, Vermont.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current VT Avg APY | 2.205% | 0.520% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects South Burlington, Vermont averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for South Burlington, Vermont
At VT’s top rate of 4.00% from Vermont Federal Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median South Burlington, Vermont earner is roughly $13,600. At 2.205% APY, saving $1,130/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsVermont’s high-yield savings average is 2.205% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median South Burlington, Vermont earner makes $54,435/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.205% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.205% APY grows to roughly $38,668 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Burlington, Vermont savings 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 Savings Rate Data: We aggregate savings account rates for South Burlington, Vermont directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 South Burlington, Vermont. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in VT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in South Burlington, Vermont
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in South Burlington, Vermont safe?
How often do savings rates change in South Burlington, Vermont?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in South Burlington, Vermont?
How do I open a savings account in South Burlington, Vermont?
Best Savings Rates in South Burlington, Vermont
- Vermont Federal Credit Union
High Yield Savings - Limited Time Special Rate: 4.00% APY - Mascoma Bank
Build Savings: 3.50% APY - Citizens Access
Savings account: 2.80% APY - 802 Credit Union
IRA Shares: 0.75% APY - Northfield Savings Bank
Business Government Savings: 0.60% APY
South Burlington, Vermont Rates & Resources
