Vermont Federal Credit Union
Headquarters
Po Box 2147
So Burlington, VT 05407
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2024 Overview
General Credit Union Information
Vermont is an NCUA insured institution located in So Burlington, VT. It was founded in 1953 and has approximately $955.71 millions in assets.
Who can join?
Membership is open to anyone who lives, works, worships, or attends school in a variety of Vermont counties, as well as to any of their family members. Those counties include: Chittenden, Grand Isle, Franklin, Lamoille, Washington, or Addison counties.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24405 |
| Date Established | 1953 |
| Assets | $955.71 million |
| Loans | $756.30 million |
| Deposits | $846.11 million |
| Capital | $93.28 million |
Field of Membership Restrictions
Membership is open to individuals who live, work, worship, or attend school in one of six north western Vermont counties: Addison, Chittenden, Franklin, Grand Isle, Lamoille, and Washington. Relatives of existing members are also eligible for membership.
Deposit Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
Loan Rates - November 14, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Vermont
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 401822 |
6.692% | 6.500% | 1.00 | $6,400 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Vermont
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Vermont branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Vermont Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 591.65 | A | View Lobby Hours | |
| 592.09 | B | View Lobby Hours | |
| 605.19 | C | View Lobby Hours | |
| 606.66 | D | View Lobby Hours | |
| 623.47 | E | View Lobby Hours | |
| 637.16 | F | View Lobby Hours |
Climate Policy and Initiatives
VERMONT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Vermont Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Vermont. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Vermont | U.S. Average |
|---|---|
| 1.57% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Vermont had $1,422,725 in non-current loans and $85,500 in owned assets. To cover these potential losses it had $93,283,528 in net worth and $2,957,312 in loans loss reserves. That gives it a Texas Ratio of 1.57%.
Net Worth
| Vermont | U.S. Average |
|---|---|
| 9.76% | 13.93% |
Vermont FCU has a net worth of 9.76% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Vermont
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