Deposit Rates

Annual Percentage Yield is accurate as of March 18, 2020

Does not apply to CDs opened prior to June 1, 2007

Tier Balance* Days Terms (Months)
  182 - 364 12 - 23 24 - 35 36 - 47 48 - 59 60  
$2,500 -
$9,999.99
0.24%
0.24%
0.29%
0.29%
0.37%
0.37%
0.47%
0.47%
0.58%
0.58%
0.68%
0.68%
Rate
APY**
$10,000 -
$24,999.99
0.24%
0.24%
0.29%
0.29%
0.37%
0.37%
0.47%
0.47%
0.58%
0.58%
0.68%
0.68%
Rate
APY**
$25,000 -
$99,999.99
0.34%
0.34%
0.39%
0.39%
0.47%
0.47%
0.57%
0.57%
0.78%
0.78%
0.88%
0.88%
Rate
APY**
$100,000 + 0.46%
0.46%
0.51%
0.51%
0.59%
0.59%
0.69%
0.69%
0.90%
0.90%
1.00%
1.01%
Rate
APY**

* Minimum Balance and Minimum Term to earn Annual Percentage Yield (APY)
** Annual Percentage Yield (APY)

A penalty may be imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates subject to change without notice.

Annual Percentage Yield (APY) is accurate as of March 18, 2020

Term Interest Rate APY*
24 Months 0.37% 0.37%

* Annual Percentage Yield (APY)

Minimum balance to earn APY is $100.00 and can be added to in $25.00 increments.

A penalty may be imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates subject to change without notice.

Annual Percentage Yield is accurate as of March 18, 2020

  Interest Rate APY* Minimum Balance to earn APY
Regular Savings 0.10% 0.10% $100.00
Christmas Club 0.10% 0.10% $1.00

* Annual Percentage Yield (APY)

A penalty may be imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates subject to change without notice.


Please contact one of our Customer Service Representatives for more information concerning terms & conditions.

Derby 802-334-7915, Barre 802-476-6565, Barton 802-525-3524, Derby Line 802-873-3101, Enosburg Falls 802-933-8500. Island Pond 802-723-4356, Lyndonville 802-626-1200, Montpelier 802-223-0598, Morrisville 802-888-4633, Newport 802-334-7915, St. Johnsbury 802-748-3605 and Troy 802-744-2287.