1-800-892-6900 · 802-773-0027 2 South Main St, Rutland, VT 05701-4152 Monday-Friday 8:00-5:00

Loan & Savings Rates

The Credit Union of Vermont offers great rates on all Loan and Savings products!

A primary purpose of our credit union is to offer loans to members. We believe that a loan to our members is the best investment we can make. We will work hard to meet your loan needs so that you can bring your loan to the Credit Union of Vermont.

Please contact our Loan Offices if you have questions regarding our loan programs or would like to discuss your loan options.

Vehicle Loans

New or Used Titled Vehicles

Includes titled cars, trucks, motorcycles, boats, ATVs, Campers, and RVs

All rates APR up to 48 months up to 60 months up to 72 months up to 84 months
New Vehicle
2015, 2016, 2017 models with less than 7,500 miles
as low as 2.29% as low as 2.39% as low as 2.79% as low as 3.99%
Late Model Used Vehicle
2015, 2016, 2017 models with
7,500 - 30,000 miles
as low as 2.49% as low as 2.79% as low as 3.29% as low as 4.29%
Used Vehicle
2014 model or older, or any year with more than 30,000 miles
as low as 3.09% as low as 3.49% as low as 4.29% as low as 4.99%
Financing less than $10,000
Any year and mileage
as low as 5.79% as low as 5.79%

Other loan types are available for you - please ask! Base loan rates are shown. Your final rate will be determined by your credit score. Some limits on available loan terms may apply. Please ask our Loan Officers.

Other New or Used Vehicles

Includes non-titled ATVs, snowmobiles, personal watercraft, tractors, untitled motorcycles, untitled boats, untitled cars and trucks, untitled campers

Repayment Term APR
Up to 60 months as low as 6.99%

Base loan rates are shown. Your final rate will be determined by your credit score.

New or Used RVs and Boats (Long Term)

Additional rates for longer-term loans

Repayment Term APR
Up to 72 months same as titled vehicle loans above
Up to 120 months as low as 9.50%
Up to 180 months as low as Prime + 2.00%

Base loan rates are shown. Your final rate will be determined by your credit score.

Home Equity and Mortgage Refinance Loan Options

Home Equity Line of Credit (HELOC)

Credit lines of up to 90% of the value of your home are available.

Details APR
For 24 Months As low as 2.95%*
After 24 Months As low as Wall Street Journal Prime + 0%*

No Closing Costs!* Your HELOC rate will be fixed for the first 24 months. After 24 months the variable rate may change only semi-annually on the 1st day of January and July. This is a fully amortizing loan.

Fixed Rate Home Equity and Mortgage Refinance Loans

Generally completed within 2 weeks!

Repayment Term APR
5, 7 or 10 Years 3.99%
15 or 20 years Consider our NEW 20 year option! 4.99%

We pay your closing costs!* All Credit Union of Vermont loans are fully amortizing. Your loan will never be sold or transferred.

Loan rates are stated as Annual Percentage Rate (APR). Rates are subject to change without notice. Base loan rates are shown. Your final rate/margin will be determined by your credit score.

* The credit union may pay your closing costs subject to some restrictions. However, if you close your loan within 24 months of the opening date, you will be required to reimburse the credit union. You must carry insurance on the property that secures your loan.

VISA Credit Cards

VISA
Details APR
Purchases and cash advances Fixed Rate 10.90%
Balance transfers* 6.99%

*Lower rate will be in effect for the lifetime of the balance transferred.

No Annual Fee, No Balance Transfer Fee

Other Loan Options

Share Secured Loans
Details APR
Secured by share savings or term certificate. IRAs may not secure a loan. Rate earned + 2.50%
Signature Loans

$10,000 Maximum aggregate unsecured limit

Repayment Term APR
36 months as low as 9.79%
48 months as low as 11.79%

Base loan rates are shown. Your final rate will be determined by your credit score.

Savings & Certificate Rates

Share Savings & Checking
Account Type APY
Regular Shares Savings 0.25%
Free* Share Draft (Checking) N/A
Club Shares 0.25%

*There are no monthly or per-check charges; members pay for their checks.

“Clearly Superior” Money Market Accounts
Minimum Balance APY
$2,500 0.35%
$10,000 0.45%
$25,000 0.55%
$50,000 0.60%
IRA Term Certificates
Term Minimum Investment APY
6 month $1,000 0.60%
12 month $1,000 0.85%
24 month $1,000 1.35%
36 month $1,000 1.65%
48 month $1,000 2.20%
Term Certificates

Due to the tremendous growth of term certificates, we are limiting new certificate share deposits at this time. Please ask our staff for details.

Term Minimum Investment APY
6 month $1,000 0.60%
6 month $20,000 0.60%
12 month $1,000 0.85%
12 month $20,000 0.85%
24 month $1,000 1.35%
24 month $20,000 1.35%
36 month $1,000 1.65%
36 month $20,000 1.65%
48 month $1,000 2.20%
48 month $20,000 2.20%

All savings rates are stated as Annual Percentage Yield (APY). On term and IRA certificates, a penalty may be imposed for early withdrawal. Fees may reduce earnings. Your savings are federally insured to $250,000 by the National Credit Union Administration, NCUA, a U.S. Government Agency. Rates are subject to change without notice. IRA Term Certificates may include Roth IRAs, Traditional IRAs, and Coverdell Education Savings Accounts.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA: National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender