VHeat Resources



The unique VHeat accounts and payment system are designed to make saving, and paying for, the heating season simple and easy. The payment system consists of a VHeat Clearing account and VHeat Credit Line that are required to participate in the program.

The VHeat Clearing account is where you should make regular deposits all year to budget and save for fuel. After each delivery, the dealer automatically debits this account for your payment. The VHeat Clearing account also earns interest like a regular checking account.

There are no checks or debit cards issued with the VHeat Clearing account. The account is strictly for deposits and dealer automatic debits.

Account Type Dividend Rate APY Minimum Opening Deposit Minimum Daily Balance to Earn APY
VHeat 0.10% 0.10% $25 None
APY = Annual Percentage Yield. Rates and yields may change after account opening. Fees could reduce earnings.

The VHeat Credit Line is intended to be a safety net for your fuel payments. If you don’t have sufficient funds in your VHeat Clearing account your VHeat Credit Line is activated to make the payment to the dealer. The VHeat Credit Line may also be used to cover the expense of heating related services such as cleaning, repairs or upgrades.

The VHeat Credit Line is a loan and subject to underwriting and approval. For complete equipment replacement or efficiency upgrades, consider applying for a VGreen loan.

Type APR
VHeat Credit Line 8.00%

APR = Annual Percentage Rate. APR is effective as of 9/1/2018 and is a variable rate.


Estimate how much you should be saving in your VHeat Clearing account every month to pay for heating costs.

Note: This tool is intended for estimation purposes as fuel prices and consumption can fluctuate.

Estimated Number of Gallons Needed
Estimated Price Per Gallon
Total Estimated Annual Fuel Costs:
Add Any Outstanding Balance or Planned Maintenance Cost (if applicable)
Estimated Amount to Save Each Month


Once you’ve enrolled, your participation in the program will automatically renew each year unless you choose to cancel. As part of your continuous enrollment, annual dues will be assessed at the beginning of each heating season on September 1.

Annual dues for participation in the VHeat program are $25.


To change dealers and/or add a new dealer, please call 802/800 371-5162 or email Info@vsecu.com.


Contact your fuel dealer if you have questions about your fuel delivery schedule, delivery invoice, heating equipment/system or pricing.

Barrows and Fisher Oil Co. 1-802-254-4574

Bourne’s Energy 1-800-326-8763

Energy Co-op of Vermont 1-802-860-4090

Irving 1-888-310-1924

Suburban Propane 1-800-776-7263

Trono Fuels 1-802-476-8999

Contact VSECU at 802/800 371-5162 if you have questions about your VHeat Clearing account, VHeat Line of Credit, budgeting or payment schedule.


If you wish to terminate your participation in the VHeat program, you must do so at least 30 days prior to September 1. Please call 802/800 371-5162 or email Info@vsecu.com.


As the heating season comes to a close each year, we want to help guide you through the end of the season and help prepare you for the next.

  • Fuel dealers will continue to deliver through the summer unless you make arrangements with them to stop automatic deliveries.
    Note: You will continue to receive discounted pricing throughout the summer months.
  • Use the budgeting tool to create a monthly savings plan for the next heating season.
  • Make monthly deposits into your VHeat Clearing account to start saving for next winter.