VERMONT Platinum Credit Card

The VERMONT Platinum Visa® credit card is truly unique. It’s the one card that saves you money when you shop locally and doesn’t cost a fortune when you can’t. The same low interest rate for Vermont-based purchases applies to balance transfers too, meaning you can consolidate other credit cards onto the VERMONT Platinum credit card at the lower in-state rate. We don’t raise the interest rate if you’re late on payments or if your credit score changes in the future, and you get a 25-day grace period on purchases. You must be 18 years or older to apply.


8.25% APR1 IN VT

Shop local and enjoy a low 8.25% APR1 on all Vermont-based purchases.


At only 12.25% 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 8.25% 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 8.25% Vermont Based Rate1
or 12.25% Standard Rate
For Cash Advances 12.25% Standard Rate
For Balance Transfers 8.25% Vermont Based Rate

APR = Annual Percentage Rate and is effective as of 6/18/2018. 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.

Click here to view the VERMONT Platinum Credit Card agreement.

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.

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.