Save More and Support Your Community

VERMONT Platinum Visa® Credit Card

With a low interest rate on local purchases, the biggest reward with the VERMONT Platinum credit card is that you can make change, simply by banking locally. Not only do you save more; you benefit the most when you support a local business. Traditional rewards cards may offer cash back. But with our low-interest credit card, the cash never even leaves your pocket. Why? Because the VERMONT Platinum credit card offers

  • a low standard interest rate of 12.5% APR, and
  • an even lower rate of 8.5% APR on Vermont-based purchases.

View Credit Card Agreement


IS YOUR HOLIDAY CREDIT CARD BALANCE GROWING?

Low rates on holiday purchases mean low payments on post-holiday balances. This can be a huge relief when the holidays are over but your card balances remain. Shop for the holidays with a Vermont-based credit card that rewards you AND your local businesses.



MAKE YOUR HOLIDAYS MORE AFFORDABLE

Not sure how you’ll pay for the holidays? Learn five ways to reduce your payments and improve your cash flow.



SHOP LOCAL AND SAVE

You can save money and time when you shop locally this year. These simple ideas will make it easy.



7 LAST-MINUTE SHOPPING TIPS

Is the stress of holiday procrastination getting to you? These seven tips will help you get back on track.

Used responsibly, credit cards can support your lifestyle without creating debt. Check out our resources on how to spend, save, and eliminate debt so you can achieve your financial goals.


FEATURES

8.50% APR1 IN VT

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

LOW INTEREST

Enjoy a low standard rate of 12.50% APR for out-of-state purchases.

NO HIDDEN FEES

You won’t pay a fee for cash advances, transfers, alerts, or annual membership.

LOW RATE ADVANCES

Cash advances get the same low APR as standard purchases (and no fee!).

LOWER RATE TRANSFERS

Need to consolidate debt? Balance transfers get the low 8.50% APR.

VISA CHECKOUT

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

CARD ALERTS

Card alerts allow you to receive text or email notifications when your card is used.

ONLINE ACCESS

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.


BENEFITS

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.


RATES

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.


Apply-now-cta
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.






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