North Country Credit Union is currently offering the best long-term CD rates in Vermont. The three best are the 2.80% APY 5-year CD, 2.50% APY 4-year CD and the 1.80% APY 3-year CD. The 5-year and 3-year IRA CDs are even better deals with a 3.05% APY and 2.25% APY. Minimum deposit is $500. These rates are listed at the credit union's rates page as of 11/07/2011.
Credit union membership is open to anyone who lives works, studies or worships in northern Vermont (Addison, Caledonia, Chittenden, Essex, Franklin, Grand Isle, Lamoille, Orange, Orleans and Washington Counties). Please refer to the credit union's About Us page for more details.
North Country Credit Union branches are located in the northern Vermont cities of South Burlington, Orleans, Lyndonville, East Montpelier, Colchester and Berlin.
The credit union has an overall health score at DepositAccounts.com of 4 stars (out of 5) with a Texas Ratio of 9.84% (above average) based on June 2011 data. Please refer to our financial overview of North Country Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 24312).
How These Rates Compare
Even the non-IRA CD rates are very competitive compared to the best CD rates that are nationally available. The best 5-year CD rate at an all-access credit union is 2.75% APY ($250K minimum) at XCEL Credit Union (2.70% APY for $100K and 2.65% APY for $20K). The best rate at a bank is 2.25% APY (59-month term) at US Bank. These rates are accurate as of 11/07/2011.