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
2016, 2017, 2018 models with less than 7,500 miles
as low as 2.79% as low as 3.19% as low as 3.59% as low as 4.79% as low as 5.89%
Late Model Used Vehicle
2016, 2017, 2018 models with
7,500 - 30,000 miles
as low as 2.79% as low as 3.49% as low as 4.39% as low as 4.99% as low as 6.09%
Used Vehicle
2015 model or older, or any year with more than 30,000 miles
as low as 4.49% as low as 4.79% as low as 5.89% as low as 6.29% as low as 6.79%
Financing less than $10,000
Any year and mileage
as low as 5.99% as low as 5.99% as low as 5.99%

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 5.89%
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

Loan Type Details APR as low as Maximum CLTV**
Home Equity Line of Credit Fixed for 12 months! 3.49%
Then Prime + 0% 80%
Fixed for 12 months! 3.49%
Then Prime + 0.5% 90%
Term APR as low as Maximum CLTV**
Fixed Rate Home Equity and
Mortgage Refinance Loans
5 Years 3.99% 80%
4.49% 90%
10 Years 4.49% 80%
4.99% 90%
15 Years 5.24% 80%
5.74% 90%
20 Years 5.49% 80%
5.99% 90%

We pay your Closing Costs!
*Your Home Equity Line of Credit (HELOC) rate will be fixed for the first 12 months. After 12 months the Annual Percentage Rate (APR) may change semi-annually (January 1 and July 1) based on an index, the Wall Street Journal Prime Rate. These are fully amortizing loans. The HELOC maximum Annual Percentage Rate that can apply is 18.00%. The minimum Annual Percentage Rate is 4.0%. Property insurance and flood insurance (if applicable) are required. If you close your home equity plan within 24 months of the opening date, you will be required to reimburse the credit union for any fees paid on your behalf.
**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

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 0.60%
$10,000 0.70%
$25,000 0.85%
$50,000 0.90%
$100,000 1.10%
IRA Term Certificates
Term Minimum Investment APY
6 month $1,000 1.10%
12 month $1,000 2.25%
24 month $1,000 2.50%
36 month $1,000 2.60%
48 month $1,000 2.85%
3-3-3 Special Term Certificates
Term Investment APY
36 months $1,000-$3,500 3.50%

Open a 3-3-3 Special Term Certificate with as little as $1,000.00. You may make additional contributions of at least $100.00 at any time during the certificate term up to the maximum certificate amount of $3,500.

This is a special share certificate offering for a limited time and the Credit Union of Vermont reserves the right to end or modify this offer at any time. Limit one 3-3-3 Special Term Certificate per member. Available only for share certificates (non-IRA). Early withdrawal penalties apply. Credit union membership is required including a $25 minimum balance in a member regular share account.

Term Certificates
Term Minimum Investment APY
6 month $1,000 1.10%
6 month $20,000 1.10%
12 month $1,000 2.25%
12 month $20,000 2.35%
19 month $5,000 2.50%
24 month $1,000 2.50%
24 month $20,000 2.60%
36 month $1,000 2.60%
36 month $20,000 2.70%
48 month $1,000 2.85%
48 month $20,000 2.95%

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