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Become a Member

Make change, simply by banking. It’s easy to join.

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People over profit

You do more than just banking with VSECU. Your funds support the financial stability and goals of other members, so you can help build a better Vermont for us all.

Why bank with a credit union?

A credit union is an alternative to a traditional bank. As a not-for-profit community-based financial cooperative, we are owned by our members.

  • Global Love Tripple Bottom Line

    Triple bottom line

    Many financial institutions measure their success using one bottom line: profit. We measure our success using a triple bottom line model that accounts for our impact on people, planet, and prosperity.

  • Hand With Heart

    Members first

    Our members always come first. We answer to you, not shareholders, and we’re committed to helping you reach your next financial milestone. We only succeed when you succeed.

  • Community

    Community impact

    As a credit union, we are deeply committed to the philosophy of people helping people. That’s why we partner with organizations and businesses that share our mission to improve the lives of all Vermonters.

  • Rocket

    Innovative solutions

    As a VSECU member, you get access to innovative solutions, designed to meet your unique needs, along with all the standard financial products and services you expect.

Learn more about credit unions vs. banks

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    Why Bank with a Credit Union?

    Credit unions and banks offer a similar experience but operate from a very different structure and philosophy. One is not …
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  • Farmer Holding Box of Produce

    How Credit Unions Keep Your Money Local

    There’s more to a credit union than meets the eye. Take a look at how they operate and benefit members …
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John Mullet - Testimonial

[VSECU is] kind of a one-stop shop for everything I need. I’ve had a lot of different interactions with staff, and it’s always been really incredible.

— John M.

Membership benefits

  • Computer

    Easy to use online & mobile banking

    Technology makes banking so much easier and more convenient. Our online banking and mobile banking app make banking faster so you can get on with your life.

  • ATM

    Fee-free ATMs

    The CO-OP Network gives you access to nearly 30,000 fee-free ATMs nationwide. That’s more than most banks can offer.

  • Store Front

    Branches nationwide

    We’re part of a network of shared credit union branches. This means that, in addition to our nine branches throughout Vermont, you can bank at over 5,000 shared branch locations across the country.

  • Percentage Arrow Down

    Discounted interest rates

    Our VGreen program offers discounted interest rates on energy efficiency and solar purchases to reduce the cost of your energy upgrades.

  • House

    Heating discounts

    By joining VHeat, you can get discounted pricing on heating fuel and reduce your costs during the winter season.

  • Shield

    Member insurance

    Membership benefits include access to low- or no-cost insurance programs for home, auto, life, disability, and loan coverage.

  • Speach Bubbles

    Free financial counseling

    A certified expert will help you explore options for easing financial stress and assist you in achieving your goals with a personalized plan.

Want to become a member? Joining is simple.

The easiest way to become a member is through a complimentary membership with the American Consumer Council (ACC)1 provided by the credit union.

Other ways to join

Individuals, businesses, and other legal entities can join in the following additional ways. For an organization, partnership, corporation, or association to join, a majority of individuals or stakeholders within the entity must be eligible for membership.

If you have an immediate family or household member who is a member of NEFCU or VSECU.

If you are employed by any of the following:

  • State of Vermont
  • Vermont State Employees Association
  • Vermont State Colleges
  • Vermont Foodbank
  • Vermont Community Loan Fund
  • Green Mountain United Way
  • IBM – working in ME, MA, RI, VT, or Hartford or Litchfield counties in CT
  • UVM – Health Network who work or are paid from Burlington, VT

How to join

We can’t wait to welcome you to the VSECU community. Joining is easy and quick.


  • Number 1

    Fill out the application

    You can fill out our online application or schedule an appointment at a branch.

  • Number 2

    Provide documentation

    We’ll just need your Social Security number and a government-issued ID.

  • Number 3

    Deposit $5

    All you need is $5 in your savings account to activate your membership!

  • Number 4

    Get confirmation

    We’ll reach out for more information or confirm your membership is active within two business hours.

Become a member today

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– The American Consumer Council (ACC) is a non-profit organization dedicated to consumer advocacy, financial literacy, and corporate social responsibility, and provides member resources to help consumers make consumer product and financial decisions. NEFCU covers the first-year ACC membership fee if needed to qualify for NEFCU membership. Members may choose, but are not required, to continue ACC membership.