Highest Savings Rates in Vermont
23 Vermont-specific accounts
The Vermont market
Vermont accounts
23
Institutions
12
Top Vermont APY
3.40% APY
Nationally: 5.00% APY
FDIC national average
0.37%
As of Sep 2026
23 savings accounts are open only to Vermont residents, from 12 institutions. The highest advertised APY among them is 3.40%.
The highest nationally available rate is 5.00% APY, 160 basis points above the Vermont leader.
10 of the 23 Vermont savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Vermont-Specific Savings Accounts
These savings accounts are specifically available to Vermont residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | South Shore Bank High-Yield Savings Up to3.40%APY On balances of $10,000 to $2,499,999.99 · 0.01% below Min. balance: $10,000 Observed: Oct 3, 2026 Show Details | +$340per year | Deposit Insurance FDIC InsuredRequires High Minimum Features In-Person Access | $10,000 | |
| #2 | Show Details | +$315per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #3 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $0 | |
| #4 | The Camden National Bank High-Yield Savings Account Up to3.10%APY Needs at least $250,000 Observed: Oct 7, 2026 Show Details | +$265per yearEffective: 2.65% | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $25 | |
| #5 | The Bank of Bennington Kid's Savers Up to1.00%APY On balances up to $25,000 · 0.50% above No min. balance for APY Observed: Oct 5, 2026 Show Details | +$100per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #6 | Show Details | +$100per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #7 | Wells River Savings Bank Kasasa Saver Up to1.00%APY On balances up to $74,999.99 · 0.25% above No min. balance for APY Observed: Oct 7, 2026 Show Details | +$100per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $100 | |
| #8 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #9 | Peoples Trust Company of St. Albans Personal Savings 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #10 | Show Details | +$10per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #11 | Peoples Trust Company of St. Albans Coach Club Savings 0.10%APY No min. balance for APY Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | $0 | |
| #12 | Show Details | +$10per year | Deposit Insurance FDIC InsuredRequires Linked Account Features No MinimumsIn-Person Access | $0 | |
| #13 | The Brattleboro Savings and Loan Association Statement Savings 0.10%APY Min. balance: $250 Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #14 | Wells River Savings Bank Statement Savings Up to0.15%APY Needs at least $100,000 No min. balance for APY Observed: Oct 7, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #15 | Show Details | +$8per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #16 | Florence Bank High-Yield Savings Up to3.20%APY Relationship rate from $10 · 0.05% without the relationship Min. balance: $10 Observed: Oct 3, 2026 Show Details | +$5per yearEffective: 0.05% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #17 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #18 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #19 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #20 | Show Details | +$5per year | Deposit Insurance FDIC InsuredRequires Linked Account Features Low MinimumsIn-Person Access | $10 | |
| #21 | The Camden National Bank Promise Savings Account Up to0.05%APY Needs at least $100,000 Observed: Oct 7, 2026 Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #22 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #23 | TD Bank TD Signature Savings Up to2.50%APY Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account Min. balance: $250,000 Observed: Oct 13, 2026 Show Details | +$1per yearEffective: 0.01% | Deposit Insurance FDIC InsuredRequires High MinimumLinked Account Features Great iOS AppGreat Android AppIn-Person Access | $0 |
South Shore Bank
High-Yield Savings
On balances of $10,000 to $2,499,999.99 · 0.01% below
What to Watch
The preferred rate applies only to a balance from $10,000 up to $2,500,000. A balance below or above that range earns the bank's base rate on the entire balance. The account must be opened with funds not already on deposit at the bank, and deposits are capped at $2,500,000 per household. Online opening is limited to residents of Massachusetts, New Hampshire, Connecticut, Rhode Island, Vermont and Maine.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10,000 |
| Min. Balance | $10,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90303) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
PNC
PNC High Yield Savings
What to Watch
Eligibility restricted to select states.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI |
| Deposit Insurance | FDIC Insured(Cert: 6384) |
| Eligibility | AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY |
| Zelle® | SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite. |
| Mobile Ratings | |
| BBB Rating | A+(Not BBB Accredited) |
Rate Stability
Citibank
Citi Accelerate Savings
What to Watch
Eligibility restricted to select states.
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| Min. Deposit | $0 |
| Min. Balance | $0.01 |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 |
| Compound Freq | Daily |
| Direct Deposit | Not required |
| Branches | U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami. |
| Deposit Insurance | FDIC Insured(Cert: 7213) |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Zelle® | SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher). |
| Mobile Ratings | |
| BBB Rating | D-(Not BBB Accredited) |
Rate Stability
The Camden National Bank
High-Yield Savings Account
Needs at least $250,000
What to Watch
A personal Camden National Bank checking account is required, either held already or opened at the same time. The account must be funded with new money: transfers from an existing Camden National Bank account are not eligible.
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| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4255) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
The Bank of Bennington
Kid's Savers
On balances up to $25,000 · 0.50% above
What to Watch
The stated APY applies to balances up to $25,000. Balances above $25,000 earn a lower rate.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30350) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The First National Bank of Orwell
Passbook Savings
What to Watch
The bank requires the passbook to be presented to withdraw funds. The bank does not accept ACH debit transactions from this account.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 6280) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Wells River Savings Bank
Kasasa Saver
On balances up to $74,999.99 · 0.25% above
What to Watch
Needs Kasasa checking that meets monthly terms: 12 or more debit card purchases, e-statements and an online banking login. If not met, the whole balance earns the base rate. Lower rate over $75,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14136) |
| Eligibility | Available only to residents of the bank's local market area in Vermont and New Hampshire. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Bank of Bennington
Savings Account
What to Watch
A monthly service fee applies unless the account keeps an average balance of $100.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30350) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Trust Company of St. Albans
Personal Savings
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| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14168) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Trust Company of St. Albans
Access Savings
We could not confirm: minimum deposit.
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| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14168) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Trust Company of St. Albans
Coach Club Savings
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| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14168) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples Trust Company of St. Albans
Club Choice
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| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14168) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Brattleboro Savings and Loan Association
Statement Savings
What to Watch
The monthly service fee and the minimum balance requirement are both waived for account holders under age 18 and for account holders aged 70 or older, and are waived in any month with at least one direct deposit ACH credit into the account.
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| Min. Deposit | $50 |
| Min. Balance | $250 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 28837) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Direct Link to Product Page (Not Sponsored)
Wells River Savings Bank
Statement Savings
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $2.00 (if average daily balance for the month falls below $100) |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14136) |
| Eligibility | Available only to residents of the bank's local market area in Vermont and New Hampshire. |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Passumpsic Savings Bank
Statement Savings
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| Min. Deposit | $50 |
| Min. Balance | $50 |
| Maintenance Fee | Must maintain a $30 average daily balance to avoid a $2 service fee |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14134) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Florence Bank
High-Yield Savings
Relationship rate from $10 · 0.05% without the relationship
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
Florence Bank
Statement Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Florence Bank
Passbook Savings
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Florence Bank
Security Deposit Account
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| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Florence Bank
EZ $ave
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 23293) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Camden National Bank
Promise Savings Account
Needs at least $100,000
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4255) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
South Shore Bank
Free Savings
What to Watch
Online opening is limited to residents of Massachusetts, New Hampshire, Connecticut, Rhode Island, Vermont and Maine.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 90303) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
TD Bank
TD Signature Savings
Needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account
What to Watch
Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $0 |
| Min. Balance | $250,000 |
| Maintenance Fee | $15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account. |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Branches | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Deposit Insurance | FDIC Insured(Cert: 18409) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | Not Rated(Not BBB Accredited) |
Rate Stability
No movement is shown for an “Up to” rate.
Nationally Available Savings Accounts
The 8 highest-rate savings accounts available nationwide, including in Vermont.
| Institution | Product / Term | APY |
|---|---|---|
| Axos Bank | Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate | Up to5.00% |
| GO2bank | High Yield Savingsfirst $5,000 only · needs a linked account at the bank | Up to4.50% |
| Elevault | High Yield Savings Account | 4.34% |
| Peak Bank | Envision High Yield Savingsup to $499,999.99 only | 4.27% |
| Betterment | Cash Reservepromotional rate | Up to4.25% |
| Neighbors Bank | Neighbors Savings Account | 4.25% |
| Pibank | Pibank Savings | 4.25% |
| EverBank | Performance Savings | 4.20% |