Personal Loans · Vermont
12 credit unions in Vermont report personal loan rates to the NCUA. Rates range from 10.50% to 15.99%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
10.50%
Lowest Rate
13.06%
State Average Rate
11
Cities Covered
12 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | GREEN MOUNTAIN South Burlingto | 10.50% | 12.00% |
| 2 | VERMONT So Burlington | 10.66% | 9.52% |
| 3 | NORTH COUNTRY BURLINGTON | 10.94% | 7.45% |
| 4 | NORTHEAST SCHOOLS AND HOSPITAL Newport | 10.99% | — |
| 5 | NORTHERN LIGHTS Saint Johnsbury | 12.79% | — |
| 6 | CENTRAL VERMONT MEDICAL CENTER,INC. BARRE | 13.45% | — |
| 7 | ORLEX GOVERNMENT EMPLOYEES Newport | 13.49% | — |
| 8 | EASTRISE Williston | 14.00% | 13.75% |
| 9 | MEMBERS 1ST Brattleboro | 14.41% | 10.90% |
| 10 | ONE SPRINGFIELD | 14.50% | 12.50% |
| 11 | HERITAGE FAMILY Rutland | 15.00% | 10.79% |
| 12 | 802 Barre | 15.99% | 10.99% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.