Vermont Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.vermontfederal.org

802-658-0225

84 Pine St
Burlington, VT 05402

Vermont Federal Credit Union is headquartered in South Burlington and is the 3^rd largest credit union in the state of Vermont. It is also the 454^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 171 employees and 57,213 members at 8 locations. Vermont Federal Credit Union's savings rates are 9X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Vermont Federal Credit Union is open to individuals who live, work, worship, or attend school in the Vermont counties of Addison, Bennington, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans, Rutland, Washington, Windham, or Windsor. Relatives of existing members are also eligible for membership.
See current membership details

Reviews (1)

Write a Review

Vermont Federal Has HORRIBLE Website And App...Software Barely Works At All, Can NOT Transfer Money

Posted by: bberkoff | Feb 18, 2025

vermont federal has HORRIBLE website and app...software barely works at all, can NOT transfer money

and they have almost NO ability to fix anything or find out what is wrong.... painful and BAD customer service (for weeks now, feb2025)

Comment

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24405
Year Chartered	1953
Employees	171
Primary Regulator

Profit Margin
Return on Assets - YTD	0.76%
Return on Equity - YTD	8.44%
Annual Interest Income	$11.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.03B$946.4MM
Loans	Q1 2025vs Q1 2024	$804MM$745.9MM
Deposits	Q1 2025vs Q1 2024	$882MM$838.3MM
Equity Capital	Q1 2025vs Q1 2024	$91.1MM$77.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$3.6MM$3.4MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3MM$2.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Vermont Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vermont Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%^*	$0	$3k	High Yield Savings Special
OTHER TIERS: 0.10% → $3k+
0.10%	$0	-	Share Savings
0.10%	$0	-	Special Account
0.10%	$0	-	Vacation Club Account
0.10%	$0	-	Holiday Savings
0.10%	$0	-	Business Savings

Vermont Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.10% → $0 - $2k \| 1.20% → $2k - $10k \| 1.45% → $10k - $25k \| 1.50% → $25k - $50k \| 1.95% → $50k - $100k \| 2.50% → $100k - $500k
2.75%^*	$500k^*	-	Business Money Market Account
OTHER TIERS: 0.10% → $0 - $2k \| 1.20% → $2k - $10k \| 1.45% → $10k - $25k \| 1.50% → $25k - $50k \| 1.95% → $50k - $100k \| 2.50% → $100k - $500k

Vermont Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	$0	$25k	Reward Checking
OTHER TIERS: 0.25% → $25k+
0.10%	$0	-	IOLTA/ IORTA

Vermont Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$5	-	19 Month Variable CD Special
3.75%	$5	-	9 Month Share Certificate Special
3.50%	$5	-	60 Month Share Certificate
3.50%	$5	-	60 Month Youth Advantage CD
3.25%	$5	-	48 Month Share Certificate
3.15%	$5	-	36 Month Share Certificate
2.95%	$5	-	24 Month Share Certificate
2.75%	$5	-	18 Month Share Certificate
2.65%	$5	-	12 Month Share Certificate
2.50%	$5	-	6 Month Share Certificate

Vermont Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$5	-	19 Month Variable IRA Special
3.75%	$5	-	9 Month IRA Certificate Special
3.50%	$5	-	60 Month IRA Certificate
3.25%	$5	-	48 Month IRA Certificate
3.15%	$5	-	36 Month IRA Certificate
2.95%	$5	-	24 Month IRA Certificate
2.75%	$5	-	18 Month IRA Certificate
2.65%	$5	-	12 Month IRA Certificate
2.50%	$5	-	6 Month IRA Certificate
0.10%	$0	-	IRA Share Account

Locations

Vermont Federal Credit Union Locations
Branch Office	4 Centre Dr	Milton, VT 05468
Branch Office	84 Pine St	Burlington, VT 05401-4441
Branch Office	1 Court St	Middlebury, VT 05753
Branch Office	55 Old Orchard Rd	Saint Albans, VT 05478-2053
Branch Office	100 Panton Rd	Vergennes, VT 05491
Branch Office	1 Carmichael St	Essex Jct, VT 05452
Corporate Office	275 Kennedy Dr	South Burlington, VT 05403-6706
Branch Office	315 N Main St	Barre, VT 05641

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