Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Vermont
- 3.82%APY$189 over 6 months on $10,000
Requirements
Product: Penalty imposed for early withdrawal prior to maturity date.
Offer: Penalty imposed for early withdrawal prior to maturity date.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
3.68% interest rate · Effective Oct 2, 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 - 3.75%APY$764 over 24 months on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
3.68% interest rate · Effective Oct 2, 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 - 3.41%APY$198 over 7 months on $10,000
Requirements
Product: Fixed or variable interest rate options. Interest credited monthly. Penalties assessed for early withdrawal. 7 to 89 day term \u2013 $10,000 minimum deposit; 90 day or longer term \u2013 $2,500 minimum deposit.
Offer: 7-Month Certificate.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - The First National Bank of OrwellCertificates of DepositCD · 12–17 months · $500 min
Bank · 2 branches
3.29%APYRequirements
Product: Offered as Single Maturity Certificates (interest ceases at maturity) or Automatic Renewal Certificates (automatically re-activated at prevailing rate). Early withdrawal penalty of up to 90 days interest on the principal withdrawn (or all accrued and posted interest if held less than 90 days).
3.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - Heritage Family Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · 10 branches
3.25%APY$325 over 1 year on $10,000Requirements
Product: Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
3.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.05%APY$1,621 over 60 months on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
3.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
2.96% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.95%APY$1,233 over 48 months on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
2.91% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.85%APY$880 over 36 months on $10,000
Requirements
Product: Must live, work or own a second home in Vermont to qualify for an account. A penalty may be imposed for early withdrawal.
2.81% interest rate · Effective Oct 2, 2026
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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 Vermont
236 CDs at 28 banks and credit unions · checked Oct 16–22
- Typical
- 2.50%
- Top 10% from
- 3.80%
- Banks, typical
- 2.25%
- Credit unions, typical
- 2.80%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Vermont
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NorthCountry Federal Credit UnionCredit union · 12 branches
- EastRise Credit UnionCredit union · 16 branches
- Bank of BenningtonBank · 5 branches