Montpelier and Flowers - Hero


As a values-based financial cooperative, we do things a little differently.


To improve the quality of life for all Vermonters.


To inspire a movement that brings people together to empower the possibilities for greater financial, environmental, and social prosperity.

Environmental Mission Statement

We are committed to finding opportunities within both our operations and business products to promote environmentally sound choices for our employees and our member-owners.

Inclusion Statement

We believe that our shared humanity binds us together and our differences make us stronger.

Core Values

Be real, be human, be brave, be playful, and be selfless. These core values have helped us break down silos and build a community of team players who work collaboratively to meet members’ needs.

Our triple bottom line

By banking with VSECU, you’re empowering yourself, protecting the planet, and investing in our shared community.

  • Sharing a Meal - Multi Column


    When you join VSECU, you become a member-owner and benefit from a financial cooperative that improves the lives of Vermonters and supports stronger communities.

    Become a member

  • VSECU Members Farming - Multi Column


    Bank on your values with a credit union that protects our planet by supporting energy efficiency and sustainability with low-cost lending and environmental initiatives.

    Learn more about values-based banking

  • Church Street Shopping - Multi Column


    Instead of extracting money from our communities, credit union profits are reinvested in our members, communities, and small businesses to support a thriving local economy.

    See our community impact

How do we fuel positive impact?

We help you take control of your finances with innovative products and services that support a more prosperous Vermont for us all.

  • Vermont

    Recirculating local wealth

    Buying locally keeps money in our communities. The VERMONT Platinum credit card rewards members with a lower interest rate when they make Vermont-based purchases.

    Learn more about the VERMONT Platinum credit card

  • Hand With Dollar

    Focusing on the real economy

    The real economy is the part of the economy that produces “real” goods and services. For example, we’re investing in the real economy when we help a member buy a new home. If we invested those dollars in the stock market, that would be a move into the financial economy.

    See home loan options

  • Earth

    Supporting environmental prosperity

    Our VGreen program offers low-interest loans that reduce the overall cost of investing in solar and energy efficiency projects. Our VGreen Money Market account allows members to earn a competitive dividend on savings that help fund VGreen loans.

    Explore our Green Loans

  • Dollar Down Arrow

    Returning profits to members

    The prosperity of our membership is important to us. As a not for profit credit union, we prioritize people over profit and help our members thrive by offering lower rates on loans and higher rates on savings.

    Become a member

  • Store Front

    Financing small, local businesses

    By lending to small businesses that often struggle to get funding from larger lending institutions, we support economic growth and local job creation.

    See our business financing options

  • Community

    Supporting economic inclusion

    Members with low credit scores, whether they’re just starting out or have lost credit worthiness over time, can improve their score with our Credit Builder Loan.

    Learn more about Credit Building Loans

Your banking habits make a difference.

We’re serious about improving lives and building communities and we have the numbers to back it up. The following metrics reflect our success in 2021.

in TBL assets
A portion of our assets supports our triple bottom line (people, planet, prosperity).
recirculated locally
Our members kept $24M in the local economy by using our VERMONT Platinum credit card.
We supported 80 Vermont non-profits in 2021.
of debt resolved
Through our GreenPath partnership, we help our members take control of their finances.
in fraud prevented
We protect our members against costly and stressful fraud.

Eight cooperative principles

  • HandKey

    Voluntary and open membership

  • Balance

    Democratic member control

  • HandChess

    Members’ economic participation

  • HandGlow

    Autonomy and independence

  • Board

    Education, training, and information

  • HandShake

    Cooperation among cooperatives

  • Concern For Community

    Concern for community

  • HandKey

    Diversity, equity, and inclusion

Principles of values-based banking

Centered around people, planet, and prosperity

Grounded in communities and the real economy

Invested in long-term relationships

Long-term, self-sustaining, and resilient

Transparent and inclusive

Principles embedded in the credit union

Couple and Dog Hiking in Vermont - Full Width Promo

Become a member

Join the cooperative movement and experience the credit union difference.

Join today