Credit union · NCUA insured
Vermont Federal Credit Union CD Rates
Vermont Federal Credit Union’s best CD rate is 4.05% APY on a 13-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How Vermont Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Burlington, VT, where Vermont Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vermont Federal Credit Union
4.05%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $439
Term Share Certificate
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
The Business Bank
4.25%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $175
Vermont Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo2.95%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Vermont Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 4.05%APY · 9 terms
Must be a member of Vermont Federal Credit Union ($5 share deposit in Primary Share account required for membership). Early withdrawal penalty applies. Dividends compounded monthly using the daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsLimited time offer. At the end of the 5 month term, if no action is taken, the account will automatically renew to a 6 month term | 3.80% | $157 |
| 6 months | 3.70% | $183 |
| 12 months | 3.55% | $355 |
| 13 monthsLimited time offer. At the end of the 13 month term, if no action is taken, the account will automatically renew to a 18 month term | 4.05% | $439 |
| 18 months | 2.75% | $415 |
| 24 months | 2.95% | $599 |
| 36 months | 3.15% | $975 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (4)
- vermontfederal.org
- vermontfederal.org/bank-rates
- vermontfederal.org/savings-accounts
- vermontfederal.org/savings-acc…/term-share-certificates
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 4.05%APY · 9 terms
Available for Traditional and Roth IRAs. Must be a credit union member ($5 share deposit required). Early withdrawal penalty applies. Dividends compounded monthly using the daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsLimited time offer. At the end of the 5 month term, if no action is taken, the account will automatically renew to a 6 month term | 3.80% | $157 |
| 6 months | 3.70% | $183 |
| 12 months | 3.55% | $355 |
| 13 monthsLimited time offer. At the end of the 13 month term, if no action is taken, the account will automatically renew to a 18 month term | 4.05% | $439 |
| 18 months | 2.75% | $415 |
| 24 months | 2.95% | $599 |
| 36 months | 3.15% | $975 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.50% | $1,877 |
Sources (3)
- vermontfederal.org/bank-rates
- vermontfederal.org/savings-accounts
- vermontfederal.org/savings-accounts/ira
All captured Oct 3, 2026
Youth Advantage Term Share Certificate
3.50%APY · 1 term
Valid for youth ages 0-18. Certificate must be in youth's name. Additional deposits can be made at anytime throughout the term with no minimum. Must be a credit union member ($5 share deposit required). Early withdrawal penalty will apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsValid for youth ages 0-18. Additional deposits can be made at anytime throughout the term | 3.50% | $1,877 |
Sources (3)
- vermontfederal.org/bank-rates
- vermontfederal.org/savings-acc…/term-share-certificates
- vermontfederal.org/savings-acc…-term-share-certificates
All captured Oct 3, 2026
Who can join Vermont Federal Credit Union
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.
Membership information collected October 4, 2026.