Loan & Savings Rates
Credit Union of Vermont: A Division of Vermont Federal Credit Union offers competitive rates on loan and savings products, thoughtfully designed to support and strengthen your financial goals.
Please contact our Loan Offices if you have questions regarding our loan programs or would like to discuss your loan options.
Free ATMs
All CO-OP ATMs are FREE for our members. There are more than 30,000 CO-OP ATMs nationally with many in Vermont. See our CO-OP ATM locations
While some ATMs on the Falcon ATM network may be CO-OP, some are not. In order to avoid ATM surcharge fees, we strongly recommend that you check to see if it is a CO-OP ATM before obtaining cash.
Effective January 1, 2026, our members will also be able to access all Vermont Federal Credit Union ATMs surcharge-free, in addition to the existing CO-OP ATM network. You can find Vermont Federal Credit Union ATM locations here: https://www.vermontfederal.org/locations
Loan Rates
Savings & Certificate Rates
- Share Savings
- Share Draft Checking
- Club Share Savings
- Money Market Accounts
- Individual Retirement Accounts (IRAs)
- Term Certificates
All rates effective January 1, 2026.
View and print our current schedule of fees & charges
Vehicle Loans
- New or Used Titled Vehicles
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Includes titled cars, trucks, motorcycles, boats, ATVs, Campers, and RVs
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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
2023, 2024, 2025 models with 30,000 miles or lessas low as 5.05% as low as 5.50% as low as 6.00% as low as 6.50% as low as 8.24% Used Vehicle
2022 model or older, or any year with more than 30,000 milesas low as 5.05% as low as 5.50% as low as 6.00% as low as 6.50% as low as 8.24% -
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
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Includes non-titled ATVs, snowmobiles, personal watercraft, tractors, untitled motorcycles, untitled boats, untitled cars and trucks, untitled campers
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Repayment Term APR Up to 60 months as low as 6.00% -
Base loan rates are shown. Your final rate will be determined by your credit score.
- New or Used RVs and Boats (Long Term)
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Additional rates for longer-term loans
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Repayment Term APR Up to 72 months as low as 6.50% Up to 120 months as low as 8.24% -
Base loan rates are shown. Your final rate will be determined by your credit score.
Home Equity and Mortgage Refinance Loan Options
For Home Equity Products please visit www.vermontfederal.org/home-loans/home-equity-loans
VISA Credit Cards
For Credit Cards please visit www.vermontfederal.org/credit-cards
Other Loan Options
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Details APR Secured by share savings or term certificate. IRAs may not secure a loan. Rate earned + 2.00% - Signature Loans
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Repayment Term APR 36 months as low as 9.50% 48 months as low as 10.75% -
Base loan rates are shown. Your final rate will be determined by your credit score.
Savings & Certificate Rates
- Share Savings & Checking
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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
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Balance APY Under $2,000 0.10% $2,000-$9,999 1.20% $10,000-$24,999 1.45% $25,000-$49,999 1.50% $50,000-$99,999 2.00% $100,000-$499,999 2.50% $500,000+ 2.75% - IRA Term Certificates
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Term APY 6 Month 2.50% 7 Month SPECIAL 3.60% 12 Month 2.65% 24 Month 2.95% 36 Month 3.15% 48 Month 3.25% - Term Certificates
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Term APY 6 month 2.50% 7 month SPECIAL 3.60% 12 month 2.65% 24 month 2.95% 36 month 3.15% 48 month 3.25%
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. Term and IRA certificates require a $5 minimum investment. 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. Some limitations may apply.
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