Credit union · NCUA insured
Vermont Federal Credit Union
A $1.1B credit union, the 431st largest of 4,329, headquartered in South Burlington, VT, with 62,966 members and 9 branches in Vermont. Best rates: CDs 4.05% and savings 0.10% APY.
Vermont Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#5 of 16 in Burlington, VT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Vermont Federal Credit Union
Founded in 1953 as the Burlington Postal Employees Credit Union, Vermont Federal Credit Union is a member-owned cooperative financial institution.
After converting to a federal charter in 1990, the credit union adopted a community charter in 2001 and is headquartered in South Burlington, Vermont.
The credit union operates with the stated purpose of helping Vermonters prosper no matter where they may be on life's journey.
- Headquarters
- 275 Kennedy Dr, South Burlington, VT 05403-6706
- NCUA charter
- 24405
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the state of Vermont is eligible for membership.
Family and household
- Family members of individuals who live, work, worship, or attend school in Vermont are eligible for membership.
Branches
9 branches in Vermont
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Vermont
9 branches
Burlington area · 5
- Kennedy DriveMain office275 Kennedy Dr, South Burlington, VT 05403Directions
- Burlington Branch84 Pine St, Burlington, VT 05401Directions
- Essex Office1 Carmichael St, Essex Jct, VT 05452Directions
- Milton4 Centre Dr, Milton, VT 05468Directions
- St Albans - Old Orchard55 Old Orchard Rd, St. Albans, VT 05478Directions
Barre area · 1
- Barre Branch315 N Main St, Barre, VT 05641Directions
Middlebury area · 1
- Middlebury Office1 Court St, Middlebury, VT 05753Directions
Rutland area · 1
- Rutland2 S Main St, Rutland, VT 05701Directions
Vergennes area · 1
- Vergennes Office100 Panton Rd, Vergennes, VT 05491Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.81% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.47% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.93% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio10.81%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.47%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Vermont Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.