Credit union · NCUA insured
Vermont Federal Credit Union Savings Rates
Vermont Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Shares (Primary Share). Rates checked October 22, 2026.
How Vermont Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Shares (Primary Share)
Top rate
The Business Bank
3.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
NorthCountry Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Vermont Federal Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
0.10%APY
Limited to 1 High Yield Savings Account per member. Personal accounts only. $5 share deposit in Primary Share required for membership; no minimum account balance required. Special 4.00% APY rate applies through 12/31/2026; on 1/1/2027 converts to a Special Savings Account with applicable market rates. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Special rate valid until 12/31/2026 on balances $0.01-$5,000. On 1/1/2027 converts to Special Savings Account. | 4.00% | — | Special rate valid until 12/31/2026 on balances $0.01-$5,000. On 1/1/2027 converts to Special Savings Account. |
| Over $5,000Paid on any amount above $5,000. | 0.10% | $10 | Paid on any amount above $5,000. |
Sources (2)
All captured Oct 3, 2026
Shares (Primary Share)
0.10%APY
Must be a member of the credit union to open an account. Must live, work, worship, or attend school in Vermont, or be related to a VFCU member. $5 share deposit required in Primary Share account for membership, though no additional minimum balances required. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special Accounts
0.10%APY
Must be a member of the credit union to open an account. $5 share deposit required in Primary Share account for membership. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special-purpose accounts
Holiday Savings
0.10%APY
Must be a member of the credit union to open an account. $5 share deposit required in Primary Share account for membership. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- vermontfederal.org/bank-rates · captured Oct 3, 2026
IRA (Accumulator) Share Account
0.10%APY
Must be a member to open an IRA account ($5 share deposit required for membership). Rates are the same for accounts in Traditional & Roth IRAs. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 3, 2026
Vacation Club Account
0.10%APY
Must be a member of the credit union to open an account. $5 share deposit required in Primary Share account for membership. Dividends compounded monthly using daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- vermontfederal.org/bank-rates · 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.