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.
Free ATMs
Effective 2/14/2022, all CO-OP ATMs are now FREE for Credit Union of Vermont 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.
We are please to greatly expand the FREE ATM options for our members!
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 November 18, 2024.
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
2022, 2023, 2024 models with 30,000 miles or lessas low as 4.99% as low as 5.59% as low as 6.29% as low as 7.29% as low as 8.29% Used Vehicle
2021 model or older, or any year with more than 30,000 milesas low as 5.69% as low as 6.29% as low as 6.99% as low as 7.99% as low as 8.99% Financing less than $10,000
Any year and mileageas low as 6.29% as low as 6.79% -
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
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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 6.99% -
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 same as titled vehicle loans above Up to 120 months as low as 7.99% 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
- Home Equity Line of Credit
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Details APR as low as Maximum CLTV* Fixed for 12 months! 5.99% …then Prime + 0% 80% Fixed for 12 months! 5.99% …then Prime + 0.5% 90% - Fixed Rate Home Equity and Mortgage Refinance Loans
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We will work with you to get your Home Equity loan approved quickly!
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Repayment Term APR as low as 10 Years 6.49% 15 years 6.99% 20 years 7.79%
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. 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 5.99% for 6 months, then will adjust semi-annually based on the Wall Street Journal Prime Rate (currently 8.50%) 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
- VISA
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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.
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No Annual Fee, No Balance Transfer Fee
Other Loan Options
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Details APR Secured by share savings or term certificate. IRAs may not secure a loan. Rate earned + 2.50% - Signature Loans
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$10,000 Maximum aggregate unsecured limit
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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
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Account Type APY Regular Shares Savings 0.20% Free* Share Draft (Checking) N/A Club Shares 0.20% -
*There are no monthly or per-check charges; members pay for their checks.
- “Clearly Superior” Money Market Accounts
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Minimum Balance APY Below $2,500 0.20% $2,500 0.95% $10,000 1.10% $25,000 1.25% $50,000 1.35% $100,000 1.50% - IRA Term Certificates
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Term APY 6 month 2.75% 12 month 3.25% 24 month 3.00% 36 month 3.00% 48 month 3.00% - Term Certificates
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Term APY 6 month 2.75% 7 month SPECIAL $40,000 maximum per member 4.50% 11 month SPECIAL 4.00% 12 month 3.25% 24 month 3.00% 36 month 3.00% 48 month 3.00%
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 $1,000 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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