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Loan Rates


Vehicle & Collateral Secured Loans

APR* RATE Term Monthly Payment Per $1000
2.75% 2.75% 24 months $42.88
3.25% 3.25% 36 months $29.20
3.50% 3.50% 48 months $22.36
3.90% 3.90% 60 months $18.38
4.25% 4.25% 72 months $15.77
4.50% 4.50% 84 months $13.91
5.00% 5.00% 96 months $12.67
5.50% 5.50% 120 months $10.86
6.00% 6.00% 180 months $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. Terms may be limited, depending upon your credit, model year and type of collateral.


Holiday Loan

APR* RATE Term Monthly Payment Per $1000
4.99% 4.99% 12 months $85.69

 

*APR is annual percentage rate. Rates quoted "as low as," subject to credit approval. Rate may vary based on your credit history. Maximum loan amount is $2,000. Maximum term is 12 months. Offer valid November 16 through January 31, 2021.


Signature Loan

APR* RATE Term Monthly Payment Per $1000
6.99% 6.99% 12 months $86.53
8.99% 8.99% 24 months $45.69
9.99% 9.99% 36 months $32.27
10.99% 10.99% 48 months $25.85
11.99% 11.99% 60 months $22.25

 

*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.


Share Secured (Pledged)

APR*
Share rate + 2.00%1

*APR is annual percentage rate. Restrictions may apply. Rates effective 08/01/2019 and are subject to change without notice. 
1 Terms ranging from 1-180 months. Rate is variable monthly based on index and margin of 2.00%.

Certificate Secured (Pledged)

APR*
Certificate Rate + 2.00%2

*APR is annual percentage rate. Rates quoted "as low as."  Rate is determined by an assessment of credit and may vary from rate shown.
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.


Credit Cards

VISA APR *
Platinum1 4.90% Intro APR - 6 months. 6.90% thereafter
Classic2 12.00%
Business3 7.25%

*APR is annual percentage rate. No annual fee. Rate is subject to change.
1 Platinum 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.
2 Visa 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. 
3   Business 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.


Mortgage Loans

Apply Now Get a Personalized Rate Quote

Term RATE APR* Monthly Payment Per $1000
30 Year Fixed 2.75% 2.938% $4.08
20 Year Fixed 2.75% 3.002% $5.42
15 Year Fixed 2.50% 2.753% $6.67
10/1 ARM 5.50% 4.478% $5.67
FHA 30 Year 2.625% 3.447% $4.01
VA 30 Year 2.625% 2.769% $4.01

*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 11/30/2020.


Home Equity Loans

TYPE TERM APR* RATE Monthly Payment Per $1000
5 Year 1 5 year 3.00% 3.00% $17.97
10 Year 1 10 year 3.75% 3.75% $10.01
15 Year 1 15 year 3.875% 3.875% $7.40
Variable Rate HELOC2 8 year draw / 12 year repayment 4.00% 4.00% $7.34

*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.

Deposit Rates


 

High Yield Savings Rates

deposit
rates
APy* dividend
rate
High Yield < $10K 0.05% 0.05%
High Yield < $20K 0.07% 0.07%
High Yield < $50K 0.08% 0.08%
High Yield < $75K 0.10% 0.10%
High Yield < $100K 0.10% 0.10%
High Yield < $250K 0.12% 0.12%
High Yield < $500K 0.15% 0.15%
High Yield < $1MM 0.15% 0.15%
High Yield > $1MM 0.28% 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. 


Other Deposit Solutions

deposit rates APy* dividend
rate
Stash the Cash  0.28%  0.28%
Rewards Plus Checking
- Premium Dividend
0.50% 0.50%
Rewards Checking
- Standard Dividend
 0.10%  0.10%
IRA & SEP 0.35% 0.35%
Health Savings Account (HSA) 0.20% 0.20%
Youth Account 0.75% 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.

Certificate Rates

Regular Shares
& IRA Certificates
APY * Dividend
Rate
CD - 60 Month 0.80% 0.80%
CD - 48 Month 0.75% 0.75%
CD - 36 Month 0.65% 0.65%
CD - 24 Month 0.60% 0.60%
CD - 18 Month 0.55% 0.55%
CD - 12 Month 0.50% 0.50%
CD - 6 Month 0.25% 0.25%


*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.

Business Rates

 


Business High Yield Savings Rates

 

account
type
APY* dividend
rate
High Yield < $10 K 0.05% 0.05%
High Yield < $20 K 0.07% 0.07%
High Yield < $50 K 0.08% 0.08%
High Yield < $75 K 0.10% 0.10%
High Yield < $100 K 0.10% 0.10%
High Yield < $200 K 0.12% 0.12%
High Yield < $500 K 0.15% 0.15%
High Yield < $1 MM 0.15% 0.15%
High Yield > $1 MM 0.28% 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. 

 


Other Business Saving Solutions

account
type
APY* dividend
rate
Min Opening 
Balance
Business Share Draft
- Balances over $1K
0.10% 0.10% $100.00
Business Regular Shares 0.01% 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.