Deposit Rates

CD Specials

Annual Percentage Yield is accurate as of December 11, 2025

Term	Interest Rate	APY*
9 Months	3.73%	3.80%
Terms: 9 months, fixed-rate $10,000.00 minimum balance to open and to earn Annual Percentage Yield (APY) *Annual Percentage Yield Available as an IRA This CD is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks). A penalty of 90 days interest imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates are subject to change without notice.

Term

Interest Rate

APY*

9 Months

3.73%

3.80%

Terms:

9 months, fixed-rate

$10,000.00 minimum balance to open and to earn Annual Percentage Yield (APY)
*Annual Percentage Yield

Available as an IRA
This CD is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks). A penalty of 90 days interest imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates are subject to change without notice.

Term	Interest Rate	APY*
Pick Your Term CD Special	3.00%	3.05%
Terms: 12, 24, 36 months, fixed-rate $10,000.00 minimum balance to open and to earn Annual Percentage Yield (APY) *Annual Percentage Yield Available as an IRA This CD is auto-renewable, paperless (statement only) and interest will be credited monthly to a deposit account or the CD (no checks). A penalty of 90 days interest imposed for early withdrawal of funds. Fees may reduce earnings on the account. All rates are subject to change without notice.

Term

Interest Rate

APY*

Pick Your Term CD Special

3.00%

3.05%

Terms:

12, 24, 36 months, fixed-rate

$10,000.00 minimum balance to open and to earn Annual Percentage Yield (APY)
*Annual Percentage Yield

Fixed Rate CDs and IRAs

Annual Percentage Yield is accurate as of August 16, 2024.

Tier Balance*	Days	Terms (Months)
	182 - 364	12 - 23	24 - 35	36 - 47	48 - 59	60
Regular CD $2,500 - $99,999.99	0.44% 0.44%	0.49% 0.49%	0.59% 0.59%	0.69% 0.69%	0.90% 0.90%	1.00% 1.01%	Interest Rate APY**
Jumbo CD $100,000 +	0.55% 0.55%	0.59% 0.59%	0.71% 0.71%	0.81% 0.81%	1.12% 1.13%	1.22% 1.23%	Interest 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.

Please contact one of our Customer Service Representatives for Terms & Conditions.

Youth CD

Annual Percentage Yield (APY) is accurate as of August 16, 2024.

Term	Interest Rate	APY*
24 Months	0.59%	0.59%

* 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.

Community Savings and Christmas Club

Annual Percentage Yield is accurate as of August 16, 2024.

Account	Interest Rate	APY*	Minimum Balance to earn APY
Community Savings	0.05%	0.05%	$100.00
Christmas Club	0.05%	0.05%	$1.00

* Annual Percentage Yield (APY)

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.