Welcome Vermonters
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VERMONT Platinum
Buy local. Save more. The best credit card for Vermont. -
Savings For Everybody
The one savings account every Vermonter should have. -
Move Your Money and Save
A new loan term or rate may put more money in your pocket. -
With Vermont At Heart
Dedicated to improving the quality of life for all Vermonters.
APR = Annual Percentage Rate. APRs are effective as of 3/26/2012, are variable, and can change monthly.
See The VERMONT Platinum Card Agreement for more information.
The VERMONT Platinum Visa® credit card is truly unique. Its the only credit card that offers a lower rate on Vermont based1 purchases and a great standard rate when you use it outside of Vermont, all with the same card!
- Standard rate of 10.50% APR2 for all other purchases.
- Its the one card that saves you money when you shop locally and doesn’t cost a fortune when you can’t.
The VERMONT Platinum card, designed with the best interest of Vermont and Vermonters in mind.
APR = Annual Percentage Rate and is effective as of 3/26/2012. See VERMONT Platinum Credit Card Agreement for additional disclosures.
1 The Vermont Based Rate is contingent on, and applies to purchases identified by the state code used by the merchant’s processing system. All transactions processed by merchants with a Vermont state code will receive the Vermont Based Rate.
2 The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 3.25% for the Vermont Based Rate and 7.25% for the Standard Rate.
The VERMONT Platinum Visa Card Benefits
When you carry the VERMONT Platinum card you’ll receive the following free VISA card benefits:
Cell Phone Protection
- If you charge your monthly cell phone bill to your VERMONT Platinum card this benefit will cover the damage or theft of your cell phone up to $200 per claim and up to $400 per year.
Auto Rental Collision Damage Waiver
- This benefit will reimburse you for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, not covered by the auto rental company or your personal insurance.
Personal Identity Theft
- In the event of personal identity theft you will be reimbursed up to $5,000 for covered expenses incurred to restore your identity as a result of a Covered Stolen Identity Event1.
Travel Accident Insurance
- You are covered with a $250,000 Accidental Death and Dismemberment insurance policy.
For more details on these benefit enhancements see the full Visa Card Guide to Benefits.
1 Covered Stolen Identity Event means the theft or unauthorized or illegal use of your name, transaction card account or account number, Social Security number, or any other method of identifying you.
View Rate Sheet for more information.
Compare Apples to Apples Savings
How much is in your savings account?
Add the baskets. Your total annual return would be $0.00 earning a blended APY of 0.00.
Compare that to what other financial institutions are paying and you'll see that VSECU truly is redefining banking!
Your blended APY would be 0.00
- 4.00% APY
- On The First $1,000
- 0.10% rate
- $1,000.01 - $10,000
- 0.15% rate
- $10,000.01 - $25,000
- 0.25% rate
- $25,000.01 - $50,000
- 0.40% rate
- Over $50,000
- Premium
- $0.00
- Base
- $0.00
- Tier 3
- $0.00
- Tier 4
- $0.00
- Tier 5
- $0.00
This annual percentage yield (APY) calculator is for illustrative purposes only. See Rate Sheet for more info. With another financial institution? Making the switch to VSECU is easy with our Money Mover Switch Kit.
It’s fair. It’s simple. It’s smart.
At VSECU we encourage savings for all Vermonters.
- Fair: Every hard earned dollar saved is treated the same – regardless of who you are or how much money you have in your account.
- Simple: No more stress looking for ways to squeeze more earnings from your savings by spreading your money around in Money Market Accounts and short term CDs.
- Smart: Maximize your savings without tying up your money or risking a penalty if you need your savings.
You will always earn a premium rate on your savings up to $1,000 in your account and earn competitive tiered rates on all other amounts for an overall blended annual percentage yield on your savings. What is the difference between a rate and a yield?
This one powerful savings account does it all. Earn more, faster.
With another financial institution? Make the switch to VSECU with our Money Mover Switch Kit.
When refinancing a loan, you want to shorten your term or lower your rate to save money. Here’s why:
- A shorter term with a higher monthly payment will help you reach your long term goals by saving the most money over the life of the loan.
- The same, or longer, term with a lower rate will help you reach your short term goals by lowering your monthly payments.
Sometimes, you might even be able to shorten your loan term and lower your rate at the same time, maximizing the savings benefits in both instances! Find your loan term and rate below, then use the calculators to see if you can save money by refinancing with VSECU!
Auto Loan Rates
| Term up to: | APR as low as: | Monthly Payment (per $1,000 borrowed) |
|---|---|---|
| 24 Months | 2.60% | $42.81 |
| 36 Months | 2.95% | $29.07 |
| 48 Months | 3.45% | $22.33 |
| 60 Months | 3.74% | $18.30 |
| 72 Months | 4.74% | $15.99 |
| 84 Months | 6.49% | $14.85 |
APR = Annual Percentage Rate. APR is effective as of 3/26/2012 and reflects the current minimum APR offered. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments.
Personal Loan Rates
| Term up to: | APR as low as: | Monthly Payment (per $1,000 borrowed) |
|---|---|---|
| 60 Months | 9.90% | $21.21 |
APR = Annual Percentage Rate. APR is effective as of 3/26/2012 and reflects the current minimum APR offered. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments.
Credit Card Rates
| Transaction Type | APR | Annual Fee |
|---|---|---|
| For Purchases | 6.50% Vermont Based Rate1 or 10.50% Standard Rate2 |
None |
| For Cash Advances | 10.50% Standard Rate2 | None |
| For Balance Transfers | 10.50% Standard Rate2 | None |
| APR = Annual Percentage Rate and is effective as of 3/26/2012. See VERMONT Platinum Credit Card Agreement for additional disclosures. 1 The Vermont Based Rate is contingent on, and applies to purchases identified by the state code used by the merchant’s processing system. All transactions processed by merchants with a Vermont state code will receive the Vermont Based Rate. 2 The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 3.25% for the Vermont Based Rate and 7.25% for the Standard Rate. | ||
Fixed and Adjustable Rate Mortgages
| Type | Rates | Points | APR | Terms |
|---|---|---|---|---|
| Fixed and Adjustable Rate | Click here for all fixed and adjustable mortgage rates and terms. | |||
Other Home Loan Rates
To view the full line of VSECU home loan products and rates, such as Home Equity Loans or Lines of Credit, visit our corporate site by clicking here.
To apply for a mortgage click here. All other loans, including Home Equity or Line of Credit, click the image above.
We know that switching financial institutions is not an easy process. Our Member Service Consultants are here to help you every step of the way. Make the switch, you’ll be glad you did!
Our Money Mover Switch Kit provides you with the forms you need to switch from your current financial institution to VSECU.
The kit includes:
- A check list to keep you organized through the process
- A Direct Deposit form you can provide your employer
- An Authorization to Transfer Automatic Payments form for companies that regularly withdraw from your checking account (you may need to make copies of this page)
- An Authorization to Close Your Account form to provide to your current financial institution.
Please Note: These companies and organizations may require their own paper work to complete the process.
With another financial institution? Make the switch to VSECU with our Money Mover Switch Kit.
We’re your neighbors and we’re just like you
- We strive to support Vermont and Vermonters with each decision made.
- We honor your voice and encourage your participation.
- We understand your financial future weighs on your mind.
- We realize emotions affect your immediate needs.
- We know your time is a valuable asset.
At VSECU we know the challenges, successes, worries and joys you experience everyday because we have them too.
When you’re ready go ahead and open your account online. With another financial institution? Making the switch to VSECU is easy with our Money Mover Switch Kit.
Project Independence
Harpoon
VT History
Shred Saturday
Steeple
Our roots are deep…
- Born and raised in Vermont.
- Over 60 years old.
- Locally owned and operated.
- All business you do with VSECU is serviced right here in Vermont.
- Not up for sale to any out of state entity.
- Our faces can be seen in our branches and in your local communities.
When you’re ready go ahead and open your account online. With another financial institution? Making the switch to VSECU is easy with our Money Mover Switch Kit.
Making life easier
- We offer a fuel buyers co-op to reduce home heating costs.
Learn more about VHeat.
- We offer discounted loan rates for alternative solar energy home solutions. Learn more about Solar Loans.
- We offer convenient auto financing at many dealerships across the state. Learn more about CUDL.
- We rebate ATM fees. Learn more about Member Rewards.
When you’re ready go ahead and open your account online. With another financial institution? Making the switch to VSECU is easy with our Money Mover Switch Kit.
