Save More and Support Your Community

VERMONT Platinum Credit Card

The VERMONT Platinum Visa® credit card is the one card that saves you money when you shop locally and doesn’t cost a fortune when you can’t. If you tend to carry a balance on your cards, the great rates will keep your interest payments low.

When you use the VERMONT Platinum credit card, you are truly able to make change, simply by banking. This card helps you make change in two ways:

• It saves you money with a low interest rate on all Vermont-based purchases.
• It supports the local economy by encouraging you to buy in-state.

View Credit Card Agreement

Shop for the Holidays with the VERMONT Platinum Credit Card

If your balances get out of control around the holiday season, the VERMONT Platinum credit card will help you take the reins. With lower interest rates, you’ll make smaller interest payments, which reduces your overall shopping expenses.


8.50% APR1 IN VT

Shop local and enjoy a low 8.50% APR1 on all Vermont-based purchases.


At only 12.50% APR for all purchases outside VT, this is a well-rounded card.


With no annual fee, this card costs nothing to keep around.


No balance transfer fees makes consolidating credit card debt a cinch.


Receive the low rate of 8.50% APR on balance transfers.


Easily pay online at some of your favorite sites with VISA Checkout.


Card Alerts allows you to receive text or email notifications when your card is used.


Check statements, make payments, and more 24/7 through Credit Card Online.

For more details on these benefit enhancements see the full Visa Card Guide to Benefits document or visit Visa’s website.


Cell Phone Protection

If you charge your monthly cell phone bill to your VERMONT Platinum credit 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 Wavier

This benefit reimburses you for repairs/ replacement of a damaged rental vehicle due to collision, theft, or other physical damages not covered by the auto rental company or 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 Event2.

Travel Accident Insurance

You are covered with a $250,000 Accidental Death and Dismemberment insurance policy. This insurance pays a cash benefit in the event of a covered injury or death due to an accident.


Transaction Type APR
For Purchases 8.50% Vermont Based Rate1
or 12.50% Standard Rate
For Cash Advances 12.50% Standard Rate
For Balance Transfers 8.50% Vermont Based Rate

APR = Annual Percentage Rate and is effective as of 9/27/2018. APRs are variable and can change monthly. A Foreign Transaction fee of 1.00% of each transaction in U.S. dollars will be charged for purchase or cash advance transactions outside the U.S.

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 and balance transfers will receive the Vermont Based Rate.

2 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.

Our online loan application offers quick results, sometimes letting qualified applicants know of approval instantly.

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.