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Vermont State Employees Credit Union

Popular Accounts at this Credit Union

1.25%5-year CD5 Year CD
0.13%SavingsSpecial Savings
1.00%4-year CD4 Year CD

Overview / Commentary
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 381st largest credit union in the nation. It was established in 1947 and as of December of 2016, it had grown to 173 employees and 61,383 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.
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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 Grade Components

NCUA #60717
Year Chartered1947
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.57%
Annual Interest Income$24.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$717.2MM$681.5MM
LoansQ4 2016vs Q4 2015$588.2MM$529.4MM
DepositsQ4 2016vs Q4 2015$609.2MM$601.9MM
Equity CapitalQ4 2016vs Q4 2015$61.5MM$57.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.7MM$2.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$6.8MM$7.1MM
Real Estate OwnedQ4 2016vs Q4 2015$55.00K$0
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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

1.00%-$1kPremium Share Savings
0.19%*$1k*$10kShare Savings
OTHER TIERS: 0.14% $10k+
0.13%*$50k*-Special Savings
OTHER TIERS: 0.10% Up to $50k
0.10%--IRA Savings
0.10%--Education IRA Savings

Vermont State Employees Credit Union Checking Account Rates


Vermont State Employees Credit Union CD Rates

1.25%$500-5 Year CD
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

1.25%$500-5 Year IRA
1.00%$500-4 Year IRA
0.75%$500-3 Year IRA
0.50%$500-2 Year IRA
0.30%$500-1 Year IRA

Vermont State Employees Credit Union Locations
Branch Office499 Canal StBrattleboro, VT 05301
Branch Office72 Seward RdRutland, VT 05701
Branch Office365 Paine Tpke NBerlin, VT 05602
Branch Office86 Pearl StBurlington, VT 05401
Branch Office27 S Main StWaterbury, VT 05676
Branch Office1 Bailey AveMontpelier, VT 05602-3401
Branch Office1755 Essex RdWilliston, VT 05495
Branch Office1028 US Route 2 # 302-BERLINMontpelier, VT 05602
Branch Office1036 Memorial DrSaint Johnsbury, VT 05819
Branch Office194 North StBennington, VT 05201-1874