Q2 2026 call reports
Credit union loan rates in Vermont
Vermont credit unions reported a median new auto loan rate of 5.93% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, North Country Federal Credit Union reported the lowest, 5.18%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Vermont median | US median |
|---|---|---|
| New auto | 5.93% | 5.46% |
| Used auto | 6.72% | 6.32% |
| Credit card | 10.95% | 11.50% |
| Personal | 13.44% | 11.75% |
| Mortgage | 6.50% | 5.75% |
| Home equity | 7.50% | 6.75% |
Lowest credit card rate reported in Vermont: North Country Federal Credit Union, 7.45%. Lowest first mortgage rate: Vermont Federal Credit Union, 3.00%. (Same size rules as the national rankings.)
Every Vermont credit union's reported rates
All 12 Vermont credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| EastRise Federal Credit Union | 5.65% | 5.65% | 13.75% | 14.00% | 6.12% | 6.75% |
| Vermont Federal Credit Union | 6.81% | 6.70% | 9.60% | 10.63% | 3.00% | 6.25% |
| North Country Federal Credit Union | 5.18% | 5.18% | 7.45% | 10.94% | 6.75% | 6.75% |
| Heritage Family Federal Credit Union | 6.48% | 8.83% | 10.79% | 15.00% | 6.50% | 7.50% |
| 802 Credit Union | 7.49% | 8.99% | 10.99% | 15.99% | 5.84% | 7.85% |
| One Credit Union | 6.75% | 7.25% | 12.50% | 14.50% | 6.50% | 7.50% |
| Green Mountain Credit Union | 5.39% | 8.49% | 12.00% | 10.50% | 8.75% | 5.99% |
| Northern Lights Federal Credit Union | 5.87% | 6.75% | – | 13.28% | 8.80% | 8.28% |
| Members 1st Credit Union | 2.99% | 5.99% | 10.90% | 15.00% | 7.75% | 7.75% |
| Central Vermont Medical Center,inc. Credit Union | 4.57% | 6.39% | – | 13.48% | – | – |
| Orlex Government Employees Credit Union | 6.07% | 5.30% | – | 13.39% | – | – |
| Northeast Schools and Hospital Credit Union | 5.99% | 7.50% | – | 10.99% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Vermont credit unions · Lowest rates nationally