Compare Bank & Credit Union Rates
Best CD rates in St. Albans, VT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Franklin County, VT · Showing Franklin County, VT: too few institutions in St. Albans, VT
- 4.20%APY$313 over 9 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties may apply to certificates. Fees may reduce earnings. Minimum to open is $500. Add-on deposit option is not available.
Offer: The 9-month Certificate Special is available with new money only (funds not currently on deposit at EastRise). Offered for a limited time and will renew to the 1-year term at maturity.
Promotional rate · Effective Oct 14, 2026
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: 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.
Offer: Limited 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.
Promotional rate · 3.98% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate checked
More details - 3.89%APY$422 over 13 months on $10,000intro rate
Requirements
Product: CDs are term deposits providing FDIC insurance up to applicable limits. Early withdrawal penalty may apply. Interest can be automatically deposited into another account or CD used as loan collateral. Preferred rate may be available for Advantage Checking accountholders.
Offer: 13 Month CD Special
Promotional rate · 3.82% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months on $10,000
3.55% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.50%APY$29 over 1 months on $10,000
Requirements
Product: Balances less than $500.00 will not pay interest. Interest is compounded daily on a 365/365 basis. APY assumes interest remains on deposit until maturity. Penalty for early withdrawal.
Offer: Flexible interest payment frequency; 90 days interest penalty for early withdrawal; balances less than $500 do not pay interest.
3.44% interest rate · Compounded daily · Effective Nov 7, 2025
Rate checked
More details - EastRise Credit UnionFuture Saver Variable Rate CertificatesCD · 12 months · $25 min
Credit union · 1 branch
2.50%APY$250 over 1 year on $10,000Requirements
Product: Variable-rate certificate. Minimum to open is $25. Add-on deposit option is available. Early withdrawal penalties may apply. Fees may reduce earnings.
2.47% interest rate · Effective Oct 14, 2026
Rate checked
More details - Community National BankFixed Rate CDCD · 60 months · $2,500 min · 1.01%–1.23% by balance
Bank · 1 branch
1.01%APY$515 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal of funds. Fees may reduce earnings.
Offer: Term: 60 Months. Penalty may be imposed for early withdrawal.
1.00% interest rate · Effective Aug 16, 2024
Rate by balance
Rate by balance for Fixed Rate CD Balance APY $2,500 – $100,000Your amount 1.01% $100,000 and upJumbo CD. 1.23% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Franklin County, VT
49 CDs at 8 banks and credit unions · checked Oct 22
- Typical
- 3.55%
- Top 10% from
- 3.91%
- Banks, typical
- 3.43%
- Credit unions, typical
- 3.65%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Burlington, VT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NorthCountry Federal Credit UnionCredit union · 5 branches
- EastRise Credit UnionCredit union · 9 branches