Monday-Friday 8:00-5:00 2 South Main St, Rutland, VT 05701 Routing Number: 211691334 800-892-6900 · 802-773-0027

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.

View and print our current schedule of fees & charges

Vehicle Loans

New or Used Titled Vehicles

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

All rates APR up to 36 months up to 60 months up to 72 months up to 84 months up to 120 months
New Vehicle
2018, 2019, 2020 models with 30,000 miles or less
as low as 2.99% as low as 3.29% as low as 3.79% as low as 4.29% as low as 5.29%
Used Vehicle
2017 model or older, or any year with more than 30,000 miles
as low as 3.69% as low as 3.99% as low as 4.49% as low as 4.99% as low as 5.99%
Financing less than $10,000
Any year and mileage
as low as 5.99% as low as 6.29%

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 5.99%
Up to 180 months as low as Prime + 1.00%

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

Home Equity and Mortgage Refinance Loan Options

URGENT - Refinance Now at Historically LOW Fixed Rates!

Fixed Rate Mortgages - A variety of refinance and second mortgage options are available

As low as: 2.79% up to 15 Years
2.99% up to 25 Years
We Pay Your Closing Costs!*
No PMI (Private Mortgage Insurance)
Your Loan will NEVER be sold or transferred
Close in as little as 2 weeks!
Bi-Weekly Payment Option/Reduce your term
Ask about our Escrow Alternatives

Call Julie Patch, Senior Loan Officer!

“Start to finish, I can close your loan in just 2-3 weeks! Call or text me at 802-773-0027 or email me at to get your loan started!”

Julie will work with you to get your loan approved quickly!

Home Equity Line of Credit
Details APR as low as Maximum CLTV**
Fixed for 24 months! 2.99%
…then Prime + 0% 80%
Fixed for 24 months! 2.99%
…then Prime + 0.5% 90%

* The Credit Union of Vermont will pay all your closing costs but may require reimbursement of these costs if your loan is paid in full within two years of your loan opening date. Vermont owner occupied, 1-4 unit, primary residences only. Combined loan-to-values of up to 90% available. Home purchase loans are not available. Limited funds available, offered rates and programs are subject to change without notice. Credit approval required. Fixed rate mortgage loan rates are shown as low as. Your final rate is determined by your credit score, CLTV combined loan to value, debt ratio, and other factors. Home equity lines of credit (HELOCs) final rate and/or margin is determined by your credit score and CLTV, but will not be lower than 4.00%. Minimum loan amount is $10,000. Credit Union of Vermont services are limited to members only. Some programs are limited to new money only. Other requirements and/or limits may apply and rates/terms may change without notice. Rates shown as APR, Annual Percentage Rate. The rate on Home Equity Lines of Credit is fixed at 2.99% for 24 months, then will adjust semi-annually based on the Wall Street Journal Prime Rate (currently 3.25%) plus a margin determined by credit score and loan-to-value.

** CLTV is combined loan to value. The CLTV includes the total amount from all loans secured by the property divided by the total value of the property. For example, a $40,000 first mortgage and a $10,000 HELOC on a residence valued at $100,000 would have a CLTV of 50%.

VISA Credit Cards

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 0.10%
Free* Share Draft (Checking) N/A
Club Shares 0.10%

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

“Clearly Superior” Money Market Accounts
Minimum Balance APY
$2,500 0.20%
$10,000 0.25%
$25,000 0.30%
$50,000 0.35%
$100,000 0.40%
IRA Term Certificates
Term Minimum Investment APY
6 month $1,000 0.30%
12 month $1,000 0.45%
24 month $1,000 0.55%
36 month $1,000 0.60%
48 month $1,000 0.75%
Term Certificates
Term Minimum Investment APY
6 month $1,000 0.30%
6 month $20,000 0.30%
12 month $1,000 0.45%
12 month $20,000 0.45%
24 month $1,000 0.55%
24 month $20,000 0.55%
36 month $1,000 0.60%
36 month $20,000 0.60%
48 month $1,000 0.75%
48 month $20,000 0.75%

We’re sorry, but due to the tremendous growth of term certificates and the current rate environment, we are not accepting new certificates at this time.

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