Vermont Federal Credit Union has some good youth CD rates, as we told you in April, but it’s also advertising some decent specials for the adults.

For a limited time, with a minimum $500 deposit it’s paying:

• 2.75% APY on 60-month CDs.
• 2.25% APY on 48-month CDs.

The credit union is paying more than a tenth of a percentage point better on its 5-year certificates of deposit than the best nationally available deal on our CD Rates Leaderboard.

The credit union advertises these CD rates as a “limited time special.” The earlier special, cut this week, was more than a quarter point higher.

Only members of Vermont Federal Credit Union (www.vermontfederal.org) can purchase these CDs.

Membership is open to those who live, work, worship or attend school in Addison, Chittenden, Franklin, Grand Isle, Lamoille and Washington counties. Relatives of current members may also join.

To join you must open a savings account and keep at least $25 in the account.

Members can buy these certificates of deposit online, over the phone or in person at one of the Vermont Federal Credit Union’s six branches in Burlington, Middlebury, St. Albans, South Burlington and Vergennes.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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