Rates

Loans

Vehicle & Collateral Secured Loans

TermAPR *Monthly Payment Per $1,000
24 months2.75%$42.88   
36 months3.25%$29.20   
48 months3.50%$22.36   
60 months3.90%$18.38   
72 months4.25%$15.77   
84 months4.50%$13.91   
96 months5.00%$12.67   
120 months5.50%$10.86   
180 months6.00%$8.45   


*APR is annual percentage rate. Rates quoted "as low as."   Rate is determined by an assessment of credit and may vary from rate shown. Restrictions may apply. Rates effective 08/01/2019 and are subject to change without notice.


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Other LoansTermAPR *
Signature Loan12 months6.99%   
24 months8.99%   
36 months9.99%   
48 months10.99%   
60 months11.99%   
Share Secured (Pledged)1 Share rate + 2.00%   
Certificate Secured (Pledged)2 Certificate Rate + 2.00%   


*APR is annual percentage rate. Rates quoted "as low as."  Rate is determined by an assessment of credit and may vary from rate shown. 1Share Secured APR will be the dividend rate being paid on the Share Account on the date of the advance plus 2.00%. 2Certificate Secured APR will be the dividend rate being paid on the Certificate (Index) offered plus 2.00%. The Certificate must be renewed until the advance is completely paid. Upon renewal, the APR will change to reflect the new dividend rate. Not eligible for rate discounts. Ask for more information. Rates effective 01/01/2018 and are subject to change without notice.


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Credit Card

VISA CardAPR *
Platinum 14.90% Introductory APR - 6 months. 6.90% thereafter   
Classic 212.00%   
Business Visa 37.25%   


APR is annual percentage rate. No annual fee. Rate is subject to change.  1Platinum Visa has a 4.90% introductory APR for purchases and cash advances for a period of six billing cycles, after which the APR will be 6.90%. Platinum Visa has a 4.90% introductory APR for balance transfers for a period of 12 billing cycles, after which the APR will be 6.90%. The APR will vary with the market based on the Prime Rate.  2Visa Classic has a fixed rate of 12.00% APR for purchases and cash advances. Visa Classic has an introductory 8.90% APR for balance transfers for a period of 12 billing cycles, after which the APR will be 12.00%. Click for consumer disclosure.   3Business Visa APR will vary with the market based on the Prime Rate. Click for the Business Visa Disclosure.  All rates effective 04/01/2020 and are subject to change without notice. 


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Mortgage Rates


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TermAPR *Monthly Payment Per $1,000Rate
30 Year Fixed3.125%$4.142.875%   
20 Year Fixed2.974%$5.422.75%   
15 Year Fixed2.753%$6.672.50%   
10/1 ARM3.754%$4.994.375%   
FHA 30 Year4.982%$4.854.125%   
VA 30 Year4.271%$4.854.125%   


*APR is Annual Percentage Rate. Your actual interest rate and fees will be based on your credit history and other qualifying criteria, and may be different than the rates, points and fees displayed here. Please contact us for current rates or get a personalized quote using our rate quote tool. Rate Assumptions: Rates are based on the purchase of a single family primary residence in Vermont for $250,000 with 20% down payment, a loan amount of $200,000, and a qualifying FICO score of 740 or above. Rates are indications only and are subject to change without notice. Rates quoted assume a 1% origination fee. Lower rates may be available. Rate estimates as of 08/03/2020.


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Home EquityTermAPR *Monthly Payment Per $1,000
5 Year Home Equity1 5 year3.00%$17.97   
10 Year Home Equity110 year3.75%$10.01   
15 Year Home Equity1 15 year4.00%$7.40   
Variable Rate Home Equity Line of Credit28 year draw/12 year repayment4.00%$ 8.76   


*APR is annual percentage rate.  Rates effective 7/31/2020 and are subject to change without notice.
1 Terms and restrictions may apply. Ask for more information. Add 1.50% to the published rate when  loan to value is greater than 80%.
2 Rate is variable based on Wall Street Journal Prime Rate minus 0.625%. The rate has a floor of 4.00% and a ceiling of 18.00%. Loan-to-value 90% or less. Click for the full disclosure.


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Deposits

High Yield Savings

Deposit RatesAPY *Dividend Rate
High Yield < $10K0.05%0.05%   
High Yield < $20K0.07%0.07%   
High Yield < $50K0.08%0.08%   
High Yield < $75K0.10%0.10%   
High Yield < $100K0.10%0.10%   
High Yield < $250K0.12%0.12%   
High Yield < $500K0.15%0.15%   
High Yield < $1MM0.15%0.15%   
High Yield > $1MM0.28%0.28%   


*APY is annual percentage yield. Rate is dividend rate.  Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open an account. Rates effective 06/01/2020 and are subject to change without notice. 


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Other Deposit Solutions

Deposit RatesAPY *Dividend Rate
Stash the Cash 0.28%0.28%   
Rewards Plus Checking - Premium Dividend0.50%0.50%   
Rewards Checking - Standard Dividend0.10%0.10%   
IRA & SEP0.35%0.35%   
Health Savings Account (HSA) 0.20%0.20%   
Youth Account0.75%0.75%   
Regular 0.01%0.01%   


*APY is annual percentage yield.  Rate is dividend rate. Rates effective 06/01/2020 and are subject to change without notice.  $5 minimum opening deposit on Youth Accounts. $25 minimum opening deposit on all checking accounts. Fees could reduce earnings on Rewards Checking account. Initial deposit match for Youth Account is available for a limited time only and may be withdrawn without notice.


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Business High Yield Account

Account TypeAPY *Dividend Rate
High Yield < $10K0.05%0.05%   
High Yield < $20K0.07%0.07%   
High Yield < $50K0.08%0.08%   
High Yield < $ 75K0.10%0.10%   
High Yield < $100K0.10%0.10%   
High Yield < $250K0.12%0.12%   
High Yield < $500K0.15%0.15%   
High Yield < $1MM0.15%0.15%   
High Yield > $1MM0.28%0.28%   


*APY is annual percentage yield. Rate is dividend rate.  Once a particular tier is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. No minimum balance required to open an account. Rates effective 06/01/2020 and are subject to change without notice. 


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Other Business Saving Solutions

Account TypeAPY *Dividend RateMin. Opening Deposit
Business Share Draft - Balances over $1K0.10%0.10%$100.00   
Business Regular Shares0.01%0.01%$5.00   
Business Interest on Lawyer Trust Account (IOLTA)2.53%2.50%$100.00   


*APY is annual percentage yield. Rate is dividend rate. Rates effective 06/01/2020 and are subject to change without notice. For IOLTA Share Draft Accounts, interest will be sent to the Vermont or New Hampshire Bar Foundation.


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Certificates


Regular Share & IRA CertificatesAPY *Dividend Rate
CD - 6 Month0.25%0.25%   
CD - 12 Month0.50%0.50%   
CD - 18 Month0.55%0.55%   
CD - 24 Month0.60%0.60%   
CD - 36 Month0.65%0.65%   
CD - 48 Month0.75%0.75%   
CD - 60 Month0.80%0.80%   


*APY is Annual Percentage yield. Minimum Deposit on Share Certificates is $1,000.00. Minimum Deposit on Jumbo Regular and Jumbo IRA Share Certificates is $100,000.00. Minimum deposit for a Youth Certificate is $100.00.  Penalty for early withdrawal. Penalties may reduce earnings. Ask for more information. Rate is dividend rate. Rates effective 04/01/2020 and are subject to change without notice.


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