Vermont Platinum credit card on Table with Wallet - Hero 2

Credit Card

Pay lower interest when you shop locally.

Apply now

Support your community and save money

With a low interest rate on local purchases, the VERMONT Platinum Visa® credit card is one way our members make change, simply by banking.


  • Vermont

    11.75% in Vermont

    Keep money in the state. Shop local and pay a low 11.75% annual percentage rate4 on all Vermont-based purchases.

  • Percentage Arrow Down

    Low rates

    Need to consolidate debt? Balance transfers get the low 11.75% APR4. Plus, enjoy a low standard rate for out-of-state purchases and cash advances.

  • Computer

    Online Access

    Check statements, make payments, and more 24/7 in Digital Banking. Plus, you can easily pay online at some of your favorite sites with Visa Click to Pay.

  • Credit Card

    Card alerts and safety

    Set card alerts in online banking so you’ll always know when your card has been used. Enjoy additional security for online purchases with Visa Secure.

Current rates

VERMONT Platinum Visa Credit Card

Transaction Type


APR = annual percentage rate, effective as of 11/6/2023.

Transaction Type

Vermont Based Rate 4



Transaction Type

Standard Rate



Transaction Type

Cash Advances



Transaction Type

Balance Transfers



Added protection for peace of mind.

  • Shield

    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 $250 per claim and up to $500 per year.

  • Vehicle

    Auto Rental Collision Damage Waiver

    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.

  • Magnifying Glass

    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 Event.5

  • Hand Dollar

    Travel Accident Insurance

    You are covered with a $500,000 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.

  • Contact


    If your personal information shows up on the dark web or through a data breach, you’ll get a notification and support as you secure your information and restore your identity.

  • Mobile Home

    Travel and Emergency Assistance Services

    Emergencies can be scarier when you’re traveling. You may not know the language or how to access services. This coverage supports you when things go wrong during your trip.

  • Wrench

    Roadside Dispatch

    Whether your car has broken down or you’ve run out of gas, locked yourself out of your car, or blown a tire, you can be assured assistance 24 hours a day at a set price.

Are your credit card balances out of control?

If your debt has become overwhelming, it may be time to consolidate your credit card balances. Save money and streamline your monthly payments by transferring balances from your high-interest cards to the low-interest VERMONT Platinum credit card. Your balance transfers will earn the card’s lowest interest rate and you won’t pay any transfer fees. Here are more resources to help you take control:

  • Holding Credit Card Next to Computer

    How to Pay off Credit Card Debt Fast

    Now that the holidays are over, how is your credit card balance looking? This is often the time of year …
    Read more

  • Person Holding Glasses and Working on Calculator

    How to Calculate Your Debt Payoff

    When you pay off debt, you open up options for yourself. You improve your cash flow, so you can stop …
    Read more

  • Person Holding Open Wallet with Cash

    How to Save Money and Pay off Debt

    Reducing debt and saving money go hand in hand because you can’t save money if you use every paycheck to …
    Read more

See our other credit card offerings.

We have two additional credit cards that you can explore and apply for, depending on your financial goals. Visit to learn more about our NEFCU Visa and Visa Rewards cards.

credit card options - long form txt

Apply for the VERMONT Platinum credit card

If you are already a member and want to apply for the VERMONT Platinum credit card, it’s easier to open an account once you’ve logged into online or mobile banking. That way we can save you time by pre-filling the application with your information.

Apply online
Get started
Email or call
Contact us


- 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. See Consumer Credit Card Agreement and Disclosure for important terms and conditions.
– 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.