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 1–15 results in Vermont
- 8.02%APY$327 over 5 months on $10,000with conditions
Requirements
Product: A Base Shares, Youth Savings, or Business account is required to open a CD. Formerly known as Share Certificates. Dividends paid monthly. Early withdrawal penalties may apply.
Offer: 5 month special. Dividends paid monthly. Auto-renews at maturity into a standard 6 month CD.
Qualified rate · 7.72% interest rate · Effective Apr 1, 2025
Rate checked
More details - Central Vermont Medical Center Credit UnionCertificatesCD · 6 months · $2,000 min
Credit union · 1 branch
5.00%APY$247 over 6 months on $10,000intro rateRequirements
Offer: Must be funded by new money not currently on deposit. Dividends paid monthly.
Promotional rate · 5.00% interest rate · Effective Aug 19, 2024
Rate checked
More details - 4.25%APY$175 over 5 months on $10,000intro rate
Requirements
Product: Auto renewal with 30-day grace period. Early withdrawal penalty may apply. Fees or penalties may reduce earnings.
Offer: Promotional rate is available for personal accounts only that are opened with new-to-the-bank funds. At maturity, funds will roll over automatically into a regular 6-month term and rate.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Open to anyone who lives, works, or worships in Grand Isle, Franklin, Chittenden, Addison, Rutland, and Washington counties. Minimum investment of $500 required. Interest is compounded and paid monthly based on an average daily balance. Early withdrawal penalties and restrictions may apply. Additional funds cannot be added to an existing Certificate.
Offer: 7 Months Special certificate. Early withdrawal penalties may apply. Interest compounded and paid monthly.
Promotional rate · 4.17% interest rate · Effective Jun 22, 2026
Rate checked
More details - 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 - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: All Certificates of Deposit are subject to penalty for early withdrawal. No minimum balance required to earn the posted Annual Percentage Yields (APY).
4.11% interest rate · Effective Aug 31, 2026
Rate checked
More details - 4.15%APY$240 over 7 months on $10,000
Requirements
Product: Quarterly statements. Automatically renewable at maturity. May be pledged as collateral for a loan. Early withdrawal penalty may apply.
Offer: eStatements only. Business and personal accounts qualify. Early withdrawal penalty may apply.
3.97% interest rate · Effective Sep 8, 2026
Rate by balance
Rate by balance for Fixed-Rate CD Balance APY $500 and up 4.05% $10,000 and upYour amountNew money $10,000 or more. 4.15% Rate checked
More details - 4.07%APY$442 over 13 months on $10,000intro rate
Requirements
Product: Federally insured by NCUA. Penalties may apply for early withdrawal. Fees could reduce earnings. Limited time offers may be discontinued at any point.
Offer: CD Special / Fall CD Special. Limited time offer. There is no maximum limit.
Promotional rate · 4.00% interest rate · Effective Oct 8, 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$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 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 - 4.00%APY$400 over 1 year on $10,000
3.92% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000with conditions
Requirements
Product: Available to consumers only. Requires a Ledyard Bank consumer checking account to open and earn stated APYs. Penalty may apply for early withdrawal. Fees could reduce earnings.
Offer: Requires a $1,000 minimum deposit and a Ledyard Bank consumer checking account to open and earn stated APY.
Qualified rate · Effective Jul 24, 2026
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
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