Vermont Federal Credit Union

Just amazingly bad online systems, records, and no help. I can't even transfer money into this place after over a month of trying, and they remain clueless about how to fix the issue, which is entirely on their side. Horrible IT, website, and app—extremely bad.

It’s manageable and definitely I got a great deal as well will definitely recommend anyone else without hesitation and the staff at the credit union are also really nice and helpful

Thanks for great services and letting me able to keep up with credits and payments. Vermont federal credit Union is honest and good company

Good card. Very low interest rate. Customer service polite and willing to work with you. I use this one first whenever a large purchase is needed

Hey I want to start off by saying the loan and the payments have been going great. I have had no problems at all with this bank. It has really been a great experience and I will definitely be doing business with them again. Thanks again.

I agree with another reviewer - inaccurate reporting to credit bureaus and ineffective dispute system. I'm a former Vermonter and previous customer of VTFCU. I had a home equity line of credit that went to collections in 2015. In 2016 I sold my home and moved out of state and the debt was paid in full with the proceeds of the sale of my house. I discovered earlier this year that VTFCU was still reporting to Experian the original balance that went to collections in 2015, so I disputed it. Experian investigated and updated my credit report to show the account had a $0 balance, paid in full in 2016. My score increased by 46 points. The very next month, when VTFCU reported their data to Experian, the inaccurate account information reappeared. This has been a vicious cycle. VTFCU refuses to remove the tradeline, and their internal system is incapable of updating my account to reflect the correct information. Ridiculous - this is an FCRA violation. I'm ready to find an attorney.

Inaccurate reporting to credit bureaus, uncooperative dispute system. Payments are reported late to credit bureaus when they are made on-time. Deferred payments are reported as late payments. Over-payments are disregarded/ignored. I paid extra on every payment and they never credited my account, and have never refunded me. They have hurt my credit immensely with their inaccurate reporting. When disputing the inaccurate reports, with VTFCU receipts in-hand, VTFCU re-authenticated their incorrect report despite the receipt. I'm amazed that they are doubling down on incorrect information, hurting their borrowers' credit scores and reputation.
Update: VTFCU has cooperated with removing one missed payment but are unable to produce a correct report of my payments. Seven years of credit hell thanks to this. I’ve been working with all three credit bureaus and spent hundreds but I cannot get this bank to report my loan properly. Stop reporting people for missed payments that weren’t missed, don’t offer deferments and then report the account as 60 days past due. It ruins lives.

I've always had good experiences with Vermont Federal Credit Union. The tellers are all very helpful and seem to go out of their way to help. I'v never had any large issues in my dealings with them so I can't really give any negative feedback. Their online platform works great and they have enough different products to take care of all my needs. They've been able to satisfy all of the needs I required from a bank or credit union. My only issue with them is that they only have locations in Vermont so when I moved for a while I needed to find a different bank and thats when my problems started.

I usually use my online only checking account, but when I moved to a new location I needed a local branch I could visit for certain banking needs. I didn't want to go the big banking route with their high hidden fees and extra costs and what not. So I checked out Vermont Federal Credit Union. I haven't had any problems with them what so ever. The employees and other staff have always been very friendly and treated me like a real person instead of just another account. No hidden fees, and they are straight forward with their policies so there's nothing to surprise you later. Overall a great credit union.

I've had a checking account with VTFCU for over 20 years. Overall, I am happy with my credit union. In-person and phone service is always friendly and first-rate. As another reviewer mentioned, there are not a lot of branches but the credit union experience is worth that small inconvenience.

A few years ago I would have given my credit union 5 stars, but I'm only giving it 4 for the following reasons. Fees have gone up drastically in the past year or two while rates have become less competitive. Foreign currency exchange is ridiculously expensive, forcing me to use another bank for that service.

I'm a big fan of banking with VFCU. They don't have loads of locations, but they are pretty central to me, the tellers are always friendly, and everything about this bank is uncomplicated. I applied for a checking account and the process was really simple, not at all invasive feeling. I'm always greeted kindly, rarely have to wait long - even when it's busy, and the branches I've been to (Milton and Burlington) have always been clean and well staffed. I don't have a lot of experience with various types of accounts, but I have a joint checking with my husband, and I do a lot of online banking. It's not a perfect online banking site, but it works well enough for me. I'd recommend them because I really like banking with a smaller bank that is local to me.

My husband and I are long-time members of VTFCU. We opened our first accounts with them in 1989 and have never had a bad experience. Not only do we have savings/checking accounts with them, but we went through them for our mortgage.

The women at the three locations closest to us know us by name. Lines move quickly when we do stop by, and hours are convenient with later hours on Friday night and morning hours on Saturday. ATM fees are non-existent as long as we stick to any of the ATM's at VTFCU's machines or any of the other local credit unions. Having no fees for ATM usage is always a plus!

After 20 years with them, I'd expect to have at least one negative situation to share, but the truth is, I don't. They've never given us any hassles. They're friendly, courteous, and answer questions and handle transactions quickly.

I've been using Vermont Federal Credit Union for about 8 months now. I signed up when I started doing some saving and I liked the rates they were offering. Having a credit union has let me keep my money in a place that is not as easily accessible as my primary bank, and that has let me save better and more frequently. I also like their option for personal loans should I need one, but I haven't yet. Their customer service has been top notch both over the phone and in person. The waits have been short, allowing me to get in and get out quickly. It is an excellent credit union that I would recommend to anyone.

I want to take the time to mention my experience with Vermont Federal CU. Last year, my ancient car died and I had to sell it. Since Vermont tends to be very muddy in the late winter and spring, I really needed to buy something with AWD or 4WD, which can be expensive. I didn't want to buy a new car, but wanted a simple used car for a fair price. I found one that I liked and wanted to buy, and needed to take out a loan to do it. I have had my checking account with Vermont Federal CU for years, so automatically I went to them to inquire about the loan. I couldn't have been happier with the experience. Their customer service was fantastic. They sat me down, discussed all my options, the different interest rates per option, and we came up with the loan that would work out best for me. Even the paperwork is never that fun or that simple, but with their assistance, I was done with it and approved for the loan within a few days. I was so happy, and they pretty much guaranteed my loyalty as a customer because of all the assistance I was given. I highly recommend Vermont Federal CU.