Welcome Vermonters
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Move Your Money and Save
Our goal is to help you save money. All your loan solutions are right here, in one place. -
Energy Saving Loans
Financing solutions for energy efficient home improvements and green vehicles. -
VERMONT Platinum
Buy local. Save more. The best credit card for Vermont. -
Savings For Everybody
Boost Your Savings! The one savings account every Vermonter should have.
Why bank when you can VSECU?
VSECU is a locally owned not for profit banking alternative for all Vermonters. We are the first state chartered financial institution in Vermont to offer credit union membership to every Vermonter. A variety of deposit and lending products are available to you as a member, to meet all your financial needs and goals. Our knowledgeable and friendly staff take great pride in servicing our member owners.
What’s In It For Me?
- You are an owner of the credit union.
- You won’t be banking with a bank.
- You enjoy the benefit of profits – not some outside stockholder.
- You get better rates on loans and deposit products.
- You pay less fees compared to most banks.
- You get to vote for your Board of Directors.
- You are a member of a cooperative – people helping people.
- You are eligible for free AD&D Insurance.
- And best of all is Member Rewards – the more you do business with your credit union, the more you will save!
When refinancing a loan, you want to shorten your term or lower your rate to save money. Here’s why:
- A shorter term with a higher monthly payment will help you reach your long term goals by saving the most money over the life of the loan.
- The same, or longer, term with a lower rate will help you reach your short term goals by lowering your monthly payments.
Sometimes, you might even be able to shorten your loan term and lower your rate at the same time, maximizing the savings benefits in both instances! Find your loan term and rate below, then use the calculators to see if you can save money by refinancing with VSECU!
Auto Loan Rates
| Term up to: | APR as low as: | Monthly Payment (per $1,000 borrowed) |
|---|---|---|
| 24 Months | 1.95% | $42.52 |
| 36 Months | 2.25% | $28.76 |
| 48 Months | 2.45% | $21.90 |
| 60 Months | 2.99% | $17.97 |
| 72 Months | 3.45% | $15.40 |
| 84 Months | 4.25% | $13.79 |
APR = Annual Percentage Rate. APR is effective as of 11/26/2012 and reflects the current minimum APR offered. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments.
Personal Loan Rates
| Term up to: | APR as low as: | Monthly Payment (per $1,000 borrowed) |
|---|---|---|
| 60 Months | 9.90% | $21.21 |
APR = Annual Percentage Rate. APR is effective as of 11/26/2012 and reflects the current minimum APR offered. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments.
Credit Card Rates
| Transaction Type | APR | Annual Fee |
|---|---|---|
| For Purchases | 6.50% Vermont Based Rate1 or 10.50% Standard Rate |
None |
| For Cash Advances | 10.50% Standard Rate | None |
| For Balance Transfers | 6.50% Vermont Based Rate1 | None |
| APR = Annual Percentage Rate and is effective as of 11/26/2012. APRs are variable and can change monthly. See VERMONT Platinum Credit Card Agreement for additional disclosures. 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. | ||
Fixed and Adjustable Rate Mortgages
| Type | Rates | Points | APR | Terms |
|---|---|---|---|---|
| Fixed and Adjustable Rate | Click here for all fixed and adjustable mortgage rates and terms. | |||
Other Home Loan Rates
To view the full line of VSECU home loan products and rates, such as Home Equity Loans or Lines of Credit, visit our corporate site by clicking here.
With another financial institution? Make the switch to VSECU with our Money Mover Switch Kit.
- Energy Saving Loans
- Long Term & Off Grid Mortgages
- Energy Saving Home Loans
- Green Personal & Vehicle Loans
“VSECU is committed to finding opportunities within both our operations and business products to promote environmentally sound choices for our employees and our member-owners.”
- VSECU’s Environmental Mission Statement. Adopted October 2005
Our Energy Savings Program – VGreen – provides financing for your home energy audit improvements or any other renewable savings project, purchase or goal you may have. Here you will find a variety of loans with discounted rates and longer terms to help increase energy efficiency in your life and reduce long term energy costs. From your home to your vehicle we have a loan option that will work for you.
Choices, Choices, Choices
We offer a variety of ways to finance your energy saving needs. Learn more about the loans below and if you don’t specifically see what you’re looking for just call us. We are committed to helping you live green.
| Loan Type | Benefits | Typically Works Best For: |
| Energy Improvement Mortgage (primary residence with energy audit retrofits) |
Rolls the cost of energy efficiency projects into a first mortgage without increasing monthly payments. - Fixed rate products available - Keeps monthly payments the same |
- People who are payment sensitive - People who plan to sell their home before payoff - People with large projects that require more time to pay back |
| Off Grid Mortgage (off grid primary residence) |
VSECU makes financing an “off grid” home easy. - Allows alternative and/or renewable energy sources - Fixed rate products available |
- People who are looking to live in a home without traditional power or fuel sources |
| Energy Improvement Home Equity Loans (available as a discounted loan or "a longer term loan) | Use your home’s equity to get a discounted or longer term loan. - Fixed rate - Rate reduction for shorter terms - Extended terms are available |
- People who have equity in their home - People who do not want to extend the term of a mortgage - People who are not payment sensitive |
| Energy Improvement Loan (discounted, unsecured loan) |
Offers flexibility for home improvements. - Fixed rate - Reduced rate - Longer terms |
- People that don’t have equity in a home - People that do not want to extend the terms of a mortgage - People that are not payment sensitive |
| Green Vehicle Loan (discounted car loan) |
More manageable payments at a lower rate and longer term. - Fixed rate - Reduced rate - Longer terms |
- People that are interested in using hybrid, electric, and alternative fuel powered vehicles, or high fuel economy vehicles (Flex fuel vehicles are NOT considered qualified for this loan) |
Energy Improvement Mortgage
This mortgage is for a primary residence with energy audit retrofits. With the option to extend your mortgage beyond traditional mortgage terms you can keep your monthly payments the same, or close to the same as they are today, and still finance the energy improvements that help lower your monthly utility bills!
- Flexible terms
- Energy audit is required
- Fixed rate financing available
- Maximum loan-to-value is 80%
Update your home with a new heating system, solar panels or other improvements that increase its energy efficiency. The flexible, extended terms will help to keep your payments low.
Please Note: The extended terms offered are for the sole purpose of keeping your payments as close to the same as you are paying today. You may not use the extended terms beyond the energy audit financing needed, for the purposes of lowering your monthly mortgage payment.
Rates
| Type | Rates | Points | APR | Terms |
| Fixed Rate | Click here for all fixed mortgage rates and terms. | |||
Off Grid Mortgages
Good news for those that have decided to “unplug” and live off the grid. VSECU has removed the hassles commonly associated with financing an off grid home and made it easy. This mortgage is for a primary residence that is not using a traditional power supply.
- Flexible terms
- Fixed rate financing available
- Maximum loan-to-value is 70%
- An estimate of the costs to be connected to the grid will be required
- Alternative energy source must be approved by VSECU
This unique lifestyle deserves a unique loan. Contact a Mortgage Originator today if you have any questions about financing your off grid home.
Rates
| Type | Rates | Points | APR | Terms |
| Fixed Rate | Click here for all fixed mortgage rates and terms. | |||
Apply Today!
To apply for an Energy Improvement Mortgage or an Off Grid Mortgage use our online application.
Energy Improvement Home Equity Loans
The Discounted Home Equity Loan
The discounted Energy Improvement Home Equity Loan is great for home upgrade projects. Allowing for alternative or renewable energy upgrades, efficiency projects or home energy improvements, this loan has the flexibility to cover many of the upgrades you are looking to perform on your primary residence.
- No closing costs
- Maximum term 15 years
- Maximum loan-to-value 90%
- Discounted fixed rate product
Rates
Enter the amount you wish to borrow:
| Type | Rate as low as* |
APR as low as* |
Max LTV | Term (months) | Estimated Monthly Payment |
Apply Now |
|---|---|---|---|---|---|---|
| Fixed Rate | 4.50% | 4.50% | Less than or equal to 80% | 180 | Apply Now | |
| Fixed Rate | 3.75% | 3.75% | Less than or equal to 80% | 120 | Apply Now | |
| Fixed Rate | 2.74% | 2.74% | Less than or equal to 80% | 60 | Apply Now | |
| Fixed Rate | 5.50% | 5.50% | Greater than 80%; up to 90% | 180 | Apply Now | |
| Fixed Rate | 4.75% | 4.75% | Greater than 80%; up to 90% | 120 | Apply Now | |
| Fixed Rate | 3.74% | 3.74% | Greater than 80%; up to 90% | 60 | Apply Now | |
| APR= Annual Percentage Rate. Estimated monthly payments are based on a $10,000 loan. *See additional disclosures for more information. | ||||||
The Longer Term Home Equity Loan
The longer term Energy Improvement Home Equity Loan is great for home upgrade projects. Allowing for alternative or renewable energy upgrades, efficiency projects or home energy improvements, this loan has the flexibility to cover many of the upgrades you are looking to perform on your primary residence.
- Fixed rate product
- Terms between 15 and 30 years
- Maximum loan-to-value 100%
- An appraisal is required
Rates
Enter the amount you wish to borrow:
| Type | Rate as low as* |
APR as low as* |
Max LTV | Term (months) | Estimated Monthly Payment |
Apply Now |
|---|---|---|---|---|---|---|
| Fixed Rate | 6.75% | 6.75% | Up to 100% | 360 | Apply Now | |
| Fixed Rate | 6.75% | 6.75% | Up to 100% | 300 | Apply Now | |
| Fixed Rate | 5.25% | 5.25% | Up to 80% | 240 | Apply Now | |
| APR= Annual Percentage Rate. Estimated monthly payments are based on a $10,000 loan. *See additional disclosures for more information. | ||||||
If you’re looking to complete energy efficient upgrades to your home and have equity to take advantage of, these home equity loan options might be right for you. Speak to a Mortgage Originator if you have any questions about putting your equity to work in a Energy Improvement Home Equity Loan.
Apply Today!
To apply for one of the Energy Improvement Home Equity Loans use our online application.
Energy Improvement Loan
The Energy Improvement Loan offers so much more than a standard “personal loan.” With longer terms and discounted rates, this loan offers flexibility in financing energy improvements to your primary residence. For smaller projects, including doors, windows or energy efficient appliances, you may find an Energy Improvement Loan is exactly what you need make changes that will start impacting your monthly utility bills.
- Reduced rates
- Fixed rate product
- Maximum term 10 years
- Ideal for smaller energy upgrade projects
This loan comes with options and levels of discounts and terms. If your smaller project will improve the energy efficiency of your home, this financing option may be just what you need. Please contact a Member Service Consultant with any questions.
Rates
Enter the amount you wish to borrow:
| Term up to: |
Maximum loan amount: |
APR as low as: |
Estimated Monthly Payment |
Apply Now |
|---|---|---|---|---|
| 60 Months | $10,000 | 4.90% | Apply Now | |
| 120 Months | $20,000 | 5.90% | Apply Now |
APR = Annual Percentage Rate. APR is effective as of 11/26/2012 and reflects the current minimum APR offered. Estimated monthly payments shown are based on a $10,000 loan. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments. Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.
Green Vehicle Loan
The Green Vehicle Loan offers lower rates and extended terms to help make financing that hybrid, electric, alternative fuel or high fuel economy rated vehicle easy. With so many options for green vehicles available, we designed this loan to fit every make and model that fit your lifestyle.
- Fixed rates
- Discounted rates
- Maximum loan-to-value 110%
- Terms up to 8 years for new
- Terms up to 6 years for used
This loan is for the following types of cars or trucks:
- Hybrids
- Electric
- Fuel cell and alternative fuel (ethanol, natural gas, propane, hydrogen) powered vehicles
- High fuel economy rated—combined city/highway MPG higher than 351 as defined on www.fueleconomy.gov
This loan is not for the financing of scooters, mopeds or motorcycles. This loan is available for cars and trucks only.
1 The combined MPG is a weighted calculation with more emphasis on the city miles. This loan is not available for scooters, mopeds or motorcycles. This loan is for a car or truck purchase only.
Rates
Enter the amount you wish to borrow:
| Term up to: |
APR as low as: |
Estimated Monthly Payment |
Apply Now |
|---|---|---|---|
| 24 Months | 1.45% | Apply Now | |
| 36 Months | 1.75% | Apply Now | |
| 48 Months | 1.95% | Apply Now | |
| 60 Months | 2.49% | Apply Now | |
| 72 Months | 2.95% | Apply Now | |
| 84 Months | 3.75% | Apply Now | |
| 96 Months | 5.25% | Apply Now |
APR = Annual Percentage Rate. APR is effective as of 11/26/2012 and reflects the current minimum APR offered. Estimated monthly payments shown are based on a $10,000 loan. Other rates and terms may be available. The APR may be adjusted based on individual credit standing and term. For open-end loans, the term noted is used solely to determine periodic payments. Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.
Apply Today!
To apply for an Energy Improvement Loan or a Green Vehicle Loan use our online application.
APR = Annual Percentage Rate. APRs are effective as of 11/26/2012, are variable, and can change monthly.
See The VERMONT Platinum Card Agreement for more information.
The VERMONT Platinum Visa® credit card is truly unique. Its the only credit card that offers a lower rate on Vermont based1 purchases and a great standard rate when you use it outside of Vermont, all with the same card!
- Standard rate of 10.50% APR2 for all other purchases.
- Its the one card that saves you money when you shop locally and doesn’t cost a fortune when you can’t.
The VERMONT Platinum card, designed with the best interest of Vermont and Vermonters in mind.
APR = Annual Percentage Rate and is effective as of 11/26/2012. See VERMONT Platinum Credit Card Agreement for additional disclosures.
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 will receive the Vermont Based Rate.
2 The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 3.25% for the Vermont Based Rate and 7.25% for the Standard Rate.
The VERMONT Platinum Visa Card Benefits
When you carry the VERMONT Platinum card you’ll receive the following free VISA card benefits:
Cell Phone Protection
- If you charge your monthly cell phone bill to your VERMONT Platinum 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 Waiver
- This benefit will reimburse you for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, not covered by the auto rental company or your 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 Event1.
Travel Accident Insurance
- You are covered with a $250,000 Accidental Death and Dismemberment insurance policy.
For more details on these benefit enhancements see the full Visa Card Guide to Benefits.
1 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.
Compare Apples to Apples Savings
How much is in your savings account?
Add the baskets. Your total annual return would be $0.00 earning a blended APY of 0.00.
Compare that to what other financial institutions are paying and you'll see that VSECU truly is redefining banking!
Your blended APY would be 0.00
- 3.00% APY
- On The First $1,000
- 0.10% rate
- $1,000.01 - $10,000
- 0.15% rate
- $10,000.01 - $25,000
- 0.25% rate
- $25,000.01 - $50,000
- 0.40% rate
- Over $50,000
- Premium
- $0.00
- Base
- $0.00
- Tier 3
- $0.00
- Tier 4
- $0.00
- Tier 5
- $0.00
This annual percentage yield (APY) calculator is for illustrative purposes only. See Rate Sheet for more info. With another financial institution? Making the switch to VSECU is easy with our Money Mover Switch Kit.
It’s fair. It’s simple. It’s smart.
At VSECU we encourage savings for all Vermonters.
- Fair: Every hard earned dollar saved is treated the same – regardless of who you are or how much money you have in your account.
- Simple: No more stress looking for ways to squeeze more earnings from your savings by spreading your money around in Money Market Accounts and short term CDs.
- Smart: Maximize your savings without tying up your money or risking a penalty if you need your savings.
You will always earn a premium rate on your savings up to $1,000 in your account and earn competitive tiered rates on all other amounts for an overall blended annual percentage yield on your savings. What is the difference between a rate and a yield?
This one powerful savings account does it all. Earn more, faster.
With another financial institution? Make the switch to VSECU with our Money Mover Switch Kit.
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