Top Long-Term CD Rates at Vermont Federal Credit Union - Local Only


1.80%$500-Vermont Federal Credit Union60 Month CD
1.50*%-$25kVermont Federal Credit UnionReWARD Checking
1.20%$500-Vermont Federal Credit Union48 Month CD
Accounts mentioned in this post. Rates as of July 27, 2016.

Vermont Federal Credit Union has two CD specials with very competitive rates: a 3.10% APY for a 5-year term and a 2.55% APY for a 4-year term. Minimum deposit is $500. The IRA versions of these have rates 10 basis points higher. These are limited time specials. The rates are listed at the credit union's deposit rates page as of 6/03/2011. According to the account disclosure the early withdrawal penalty for terms over two years is up to six months of interest on the amount withdrawn.

The credit union also has a reward checking account. I first reported on this in 2008 when the top yield was 5.01%. The top yield is now 2.00% APY for balances up to $25K. Please refer to my reward checking review for more details.

Membership is open to those who live, work, worship or attend school in Chittenden, Franklin, Addison, Grand Isle, Washington or Lamoille counties. Please see the credit union's Membership page for more details. Membership requires a minimum deposit of $25 in the share savings account. The credit union has an online application via in which you can join the credit union and open accounts.

Vermont Federal Credit Union branches are located in the Vermont cities of Burlington, Middlebury, St. Albans, South Burlington and Vergennes.

The credit union has an overall health score at of 4 stars (out of 5) with a Texas Ratio of 5.76% (excellent) based on March 2011 data. Please refer to our financial overview of Vermont Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 24405).

Searching for the Best CD and IRA CD Rates

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High-Yield Reward Checking Account at Vermont Federal Credit Union

Update 11/02/10: The top yield has fallen to 2.00% APY. Refer to the bottom of the post for the rate history.

Vermont Federal Credit Union is offering a reward checking account that pays 2.00% APY for balances up to $25,000 (0.65% for above) and refunds ATM fees (up to $25 per month) if the following monthly requirements are met: 1) 12 debit card purchases, 2) one direct deposit or ACH payment, 3) access online banking, and 4) receive e-mail indicating your e-Statement is ready. If these are not met, the rate...

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6% 60-Month CD at a Vermont CU
Vermont Federal Credit Union is offering a 6% APY (5.84% APR) 60-month certificate of deposit. The minimum is $500. This is a limited time offer.

The credit union's field of membership includes persons who live, work, worship or attend school in Chittenden, Grand Isle, Franklin, Lamoille, Washington or Addison counties of Vermont. You can apply for membership online.

Branches are located in Burlington, Middlebury, St. Albans and Vergennes, Vermont.

The credit union is NCUA insured with $161 million in assets and 23K members.

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