Featured Savings Rates
Featured Accounts

Vermont State Employees Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.25%5-year CD5 Year CD
1.23%1-year CD1 Year CD - New Money Only
0.20%SavingsShare Savings

Overview / Commentary
800-371-5162
1 Bailey Ave
Montpelier, VT 05602

Vermont State Employees Credit Union is headquartered in Montpelier and is the 2nd largest credit union in the state of Vermont. It is also the 395th largest credit union in the nation. It was established in 1947 and as of September of 2017, it had grown to 174 employees and 63,237 members at 10 locations. Vermont State Employees Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Vermont State Employees Credit Union is open to anyone who lives or works in the state of Vermont.
See current membership details

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Reviews (2)

I Switched From A Large Bank To A Local Bank

Posted by: BethanyR | Apr 9, 2016

I started my own business recently and needed a business account so I went to my large corporation bank to ask about rates. They wanted me to have X number of purchase transactions each month in order to have a free account however, I told them that I wont ever be making purchase transactions from that account. So, I went back to a local bank that I had previously had an account with over 10+ years before - VSECU. They helped me set up all my accounts, they have the best interest rate and they charge me NO fees! The corporate bank even charged me a fee just before I closed my account - SO happy to no longer be with them.

Business and personal account experiance

I have used this credit union for both personal as well as business banking experiences.
For my personal banking I have had no issues with my account but, for my business account I have had a couple of issues that have been swiftly corrected by the staff at VSECU. I was being charged fees that were incorrect and with one phone call the explained to me that they could not see why I was being charged and they resolved it and returned the fees. At another point in time I was at the bank for a deposit and they were way behind so they took my deposit and mailed me a receipt but, I had recorded my information wrong on the receipt and they called me to let me know that they spotted and fixed the error which was amazing!
My only issue is that they do not have mobile banking for the business yet - I can not deposit checks or see my account on my phone. Other than that Ive been very happy!



Health
B+

Health Grade Components

Overall
NCUA #60717
Year Chartered1947
Employees174
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.97%
Annual Interest Income$19.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$728.9MM$740.7MM
LoansQ3 2017vs Q3 2016$614.1MM$585.3MM
DepositsQ3 2017vs Q3 2016$625.9MM$611.2MM
Equity CapitalQ3 2017vs Q3 2016$64.0MM$61.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.2MM$2.7MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$7.0MM$5.1MM
Real Estate OwnedQ3 2017vs Q3 2016$170.00K$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Vermont State Employees Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%-$1kPremium Share Savings
0.20%*$50k*-Special Savings
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k
0.20%*$50k*-Share Savings
OTHER TIERS: 0.10% $1k - $25k | 0.14% $25k - $50k
0.10%--IRA Savings

Vermont State Employees Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-VGreen Money Market Savings
OTHER TIERS: 0.15% $1k - $5k | 0.20% $5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k

Vermont State Employees Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Checking

Vermont State Employees Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-5 Year CD
1.23%$500-1 Year CD - New Money Only
1.00%$500-4 Year CD
0.75%$500-3 Year CD
0.50%$500-2 Year CD
0.35%$500-18 Month CD

Vermont State Employees Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-5 Year IRA
1.23%$500-1 Year IRA
1.00%$500-4 Year IRA
0.75%$500-3 Year IRA
0.50%$500-2 Year IRA
Locations


Cities: Bennington, Berlin, Brattleboro, Burlington, Montpelier, Rutland, Saint Johnsbury, Waterbury, Williston

Bennington Branches
Branch Office194 North StBennington, VT 05201-1874

Berlin Branches
Branch Office365 Paine Tpke NBerlin, VT 05602

Brattleboro Branches
Branch Office499 Canal StBrattleboro, VT 05301

Burlington Branches
Branch Office86 Pearl StBurlington, VT 05401

Montpelier Branches
Branch Office1 Bailey AveMontpelier, VT 05602-3401
Branch Office1028 US Route 2 # 302-BERLINMontpelier, VT 05602

Rutland Branches
Branch Office72 Seward RdRutland, VT 05701

Saint Johnsbury Branches
Branch Office1036 Memorial DrSaint Johnsbury, VT 05819

Waterbury Branches
Branch Office27 S Main StWaterbury, VT 05676

Williston Branches
Branch Office1755 Essex RdWilliston, VT 05495