St Albans, Vermont Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current savings account rates for St Albans, Vermont and the surrounding area range from 0.20% to 4.07% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. The best savings rates for St Albans, Vermont and the surrounding area include EastRise Credit UnionEastRise Credit Union295 Tuckers Way, St Albans, VT 05478A+5.0 ★Texas Ratio: 3.84%Real return: -2.60%APY minus 2.8% CPI (February 2026) Business Savings at 0.20% APY, Claremont Savings BankClaremont Savings BankA+5.0 ★Texas Ratio: 3.01%Real return: +1.27%APY minus 2.8% CPI (February 2026) Aspire Youth Savings at 4.07% APY, Vermont Federal Credit UnionVermont Federal Credit UnionA+5.0 ★Texas Ratio: 3.32%Real return: +1.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 4.00% APY, The Business BankThe Business BankA+5.0 ★Texas Ratio: 0.54%Real return: +0.85%APY minus 2.8% CPI (February 2026) Business Savings at 3.65% APY, and Mascoma BankMascoma BankA+5.0 ★Texas Ratio: 1.41%Real return: +0.70%APY minus 2.8% CPI (February 2026) Build Savings at 3.50% APY.
St Albans has 4 local institutions in our database, with savings rates as high as 0.20% APY from EastRise Credit Union at 295 Tuckers Way, St Albans, VT 05478. 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 St Albans, Vermont and the surrounding area. Last Updated and Verified: September 28, 2026
Compare the Best Savings Rates in St Albans, Vermont & Surrounding Communities
Balance: $0.01 - $999.99; Balance: $.01 - $999.99
Limited Time Special Rate up to $5,000**
Limited Time Special Offer; Rates are the same for certificates in Traditional & Roth IRAs.
- Sep 25, 20263.80%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Balance: $2,000,000 and up
- Sep 28, 20263.65%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Balance: $0.01-$4,999.99
Balance: $5,000,000 and up
- Sep 28, 20263.45%▼ from 3.51%
- Sep 14, 20263.51%first recorded
Balance: $500,000 - $1,999,999
- Sep 28, 20263.40%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $5,000,000 and up
- Sep 28, 20263.32%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Variable premium interest rate and APY. Interest rates are variable and subject to change at any time. In order to qualify for this account, you need to have a Beacon Bank checking account with an OWNERSHIP relationship.
3.20% APY**
Balance: $2,000,000 - $4,999,999
- Sep 28, 20263.20%▼ from 3.51%
- Sep 14, 20263.51%first recorded
Balance: $2,000,000 - $4,999,999
- Sep 28, 20263.07%▼ from 3.51%
- Sep 14, 20263.51%first recorded
Balance: $0.01+; Balance: $.01 and up
Balance: $100,000.00
Balance: $500,000 - $1,999,999
- Sep 28, 20262.95%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $500,000 - $1,999,999
- Sep 28, 20262.87%▼ from 3.25%
- Sep 14, 20263.25%first recorded
2.80% APY for balances of $0.01 - $4,999.99; 2.80% APY for balances of $5,000 or more.
Balance: $25,000.00 - $99,999.99
Balance: $250,000 - $499,999
- Sep 28, 20262.60%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $250,000 - $499,999
- Sep 28, 20262.40%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $250,000 - $499,999
- Sep 28, 20262.27%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $1.00 - $249,999
- Sep 28, 20262.10%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $5,000.00 - $24,999.99
Balance: $1.00 - $249,999
- Sep 28, 20261.50%▼ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $1.00 - $249,999
- Sep 28, 20261.37%▼ from 2.00%
- Sep 14, 20262.00%first recorded
Interest rates, annual percentage rates (APRs), and annual percentage yields (APYs) are current as of 9/17/2026, and may be subject to change without notice. Call for current rates.
Balance: Up to $75,000
Balance: $250,000 and above
Balance: $100,000 to $249,999.99
Balance: $50,000 to $99,999.99
Balance: $20,000 to $49,999.99
Balance: $50,000 and over
Balance: $50,000
Balance: $50,000 and over
Balance: $50,000
Balance: $50,000
Balance: $10,000 and up
Balance: $1,000.00 - $4,999.99
Balance: $1,000.00 and up
Balance: $25,000 - $49,999.99
Balance: $25,000
Balance: $25,000 - $49,999.99
Balance: $25,000
Balance: $25,000
Balance: $250,000 and above
Balance: $1,000 - $9,999
Balance: $10,000 - $24,999.99
Balance: $10,000 - $24,999.99
Balance: $10,000
- Sep 21, 20260.25%▲ from 0.10%
- Sep 14, 20260.10%first recorded
Minimum Balance to Earn the Stated APY:
Minimum Balance to Earn the Stated APY: $5
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.
St Albans, VT Savings Rate Trends
Compare local St Albans, 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 fell 0.003 points over the past 7 days to 1.965% APY, down from 1.968%.
Vermont standard savings rates fell 0.002 points over the past 7 days to 0.812% APY, down from 0.814%.
St Albans, 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 2026–2027.
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 1.965% 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 60–90 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 St Albans, Vermont.
Savings Account Earnings in St Albans, 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 (1.965% APY) | Monthly Earnings | Standard Savings (0.812% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.26 / year | $8.19 | $40.60 / year | $3.38 |
| $10,000 | $196.52 / year | $16.38 | $81.20 / year | $6.77 |
| $25,000 | $491.30 / year | $40.94 | $203.00 / year | $16.92 |
| $50,000 | $982.60 / year | $81.88 | $406.00 / year | $33.83 |
| 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: St Albans, Vermont savings rate averages as of September 28, 2026. | ||||
About Our St Albans, Vermont Savings Rate Database
MonitorBankRates found 1 institution with branches in St Albans, plus 18 additional state-chartered and national online institutions available to St Albans 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 savings account at 0.20% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in St Albans, Vermont.
How to Find the Best Savings Rates in St Albans, Vermont
What to compare when shopping for a savings account in St Albans, Vermont
To find the best savings 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 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 1.965% Use the table above to find the best available offer.
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 3–6 months of expenses in a liquid, FDIC-insured account. St Albans, Vermont high-yield savings rates currently average 1.965% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 St Albans, Vermont institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 19 institutions in St Albans, Vermont report savings rates to our database.
- You’re among St Albans, Vermont’s 21.4% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 → St Albans, Vermont CD rates
- You want check-writing flexibility → St Albans, Vermont money market rates
- You need daily transaction access → St Albans, Vermont checking rates
Vermont Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
21.4% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; a low unemployment rate of 3.5% reflects a strong local economy with solid savings capacity. At today’s VT high-yield savings average of 1.965%, saving 10% of the local median salary ($4,594/year) would earn an additional $90 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other St Albans, Vermont Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in St Albans, Vermont.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current VT Avg APY | 1.965% | 0.812% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 St Albans, Vermont averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for St Albans, Vermont
At VT’s top rate of 0.20% from EastRise Credit Union, a $10,000 deposit earns $20 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median St Albans, Vermont earner is roughly $11,500. At 1.965% APY, saving $960/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 1.965% 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 St Albans, Vermont earner makes $45,940/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.965% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.965% APY grows to roughly $36,896 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 St Albans, 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 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. 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 St Albans, 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 St Albans, Vermont
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in St Albans, Vermont safe?
How often do savings rates change in St Albans, 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 St Albans, Vermont?
How do I open a savings account in St Albans, Vermont?
Best Savings Rates in St Albans, Vermont
- EastRise Credit Union
Business Savings: 0.20% APY - Claremont Savings Bank
Aspire Youth Savings: 4.07% APY - Vermont Federal Credit Union
High Yield Savings: 4.00% APY - The Business Bank
Business Savings: 3.65% APY - Mascoma Bank
Build Savings: 3.50% APY
St Albans, Vermont Rates & Resources
