Certificates

Certificates of Deposit (CDs) are a secure, safe, and federally insured investment choice to increase your savings potential beyond your savings account. Our low minimum balance and flexible terms make it easy for all members to add a high yield CD to their investment portfolio.


BENEFITS

Flexible terms

FLEXIBLE TERMS

Terms for VSECU certificates can be as short as 18 months or as long as 5 years.

Low minimum deposit

LOW MINIMUM DEPOSIT

The minimum deposit required to open any certificate is only $500.

High annual yield

HIGH ANNUAL YIELD

Certificates have a higher APY than regular savings for long term investments.

Ncua insured

NCUA INSURED

Deposits are insured by the NCUA for up to $250,000 aggregate per member.

Fixed rate

FIXED RATE

Certificates feature a fixed rate annual percentage yield for all term lengths.

Monthly-Dividends

MONTHLY INTEREST

Interest earnings are compounded and credited to your account monthly.

No penalty withdrawal

INTEREST WITHDRAWAL

Earned interest can be withdrawn without penalty.

If you think you need a shorter-term certificate – look no more! We’ve simplified short-term savings with our one powerful savings option. Our Share Savings account offers a premium return for short-term investing without locking up your money, or risking a penalty payment if you need to access money tied up in a short term certificate. Learn more about the one savings account every Vermonter should have.


RATES

Account Type Minimum Daily Balance to Earn APY APY
Eighteen Month $500 .35%
Two Year $500 .50%
Three Year $500 .75%
Four Year $500 1.00%
Five Year $500 1.25%

APYs listed for Certificate accounts also apply to Fiduciary Certificate accounts. APYs may change at maturity. Fees could reduce earnings. Early withdrawal penalties may apply.




Open an Account


You can complete this online application to open a credit union savings, checking, or certificate of deposit account. You will have the option to fund the account via ACH debit or credit, and if you are an existing member you may do an ACH debit or credit or transfer from an existing account. If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you.






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