Credit Cards · Vermont
8 credit unions in Vermont report credit card APRs to the NCUA. Rates range from 7.45% to 13.75%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
7.45%
Lowest Card APR
10.99%
State Average APR
8
Cities Covered
8 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | NORTH COUNTRY BURLINGTON | 7.45% | 10.94% |
| 2 | VERMONT So Burlington | 9.52% | 10.66% |
| 3 | HERITAGE FAMILY Rutland | 10.79% | 15.00% |
| 4 | MEMBERS 1ST Brattleboro | 10.90% | 14.41% |
| 5 | 802 Barre | 10.99% | 15.99% |
| 6 | GREEN MOUNTAIN South Burlingto | 12.00% | 10.50% |
| 7 | ONE SPRINGFIELD | 12.50% | 14.50% |
| 8 | EASTRISE Williston | 13.75% | 14.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Vermont accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Vermont offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.