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25 Years of VCLF


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The Vermont Community Loan Fund is located in the heart of historic downtown Montpelier. For more information on our loan programs, or to learn how you can make an investment, please contact us.


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We were using a small-scale system, so you had to remove each bag and heat-seal it.  We found a bagger, but it was a ton of money for us.  We weren't large and banks weren't interested in helping us. VCLF approved our loan and we were able to buy it.  It solidified our place in the market. 

Francie Caccavo
Olivia's Croutons


The VCLF Social Investment Term Account

1-2 Years3-4 Years5-6 Years7-9 Years10+ Years
0.85% 1.25% 2.25% 2.5% 3.0%

Our Social Investment Term Account functions like a bank Certificate of Deposit (CD), with fixed interest and a set maturity date.  You have the option to renew and change rates or terms upon maturity.  Interest payments can be made quarterly, semi-annually, annually or at maturity; interest can also be "reinvested" (added to your principal) on a regular basis.

The VCLF Social Investment Cash Account

Open-Ended Maturity, Withdrawals Upon Demand

Our Social Investment Cash Account works like a bank money market account, giving you greater flexibility in withdrawing or adding to your investment.  Cash Accounts have an open-ended maturity date.  The investor may withdraw funds once a month; there is no limit to deposits.

The VCLF Social Investment Graduating Account

Fixed Rate, With Monthly Deposits

Our Social Investment Graduating Account allows VCLF investors to “start small,” with a lower opening minimum and monthly deposits that grow your principal (and impact!) over time.

Rates are subject to change. 

If you'd like to talk about how the Vermont Community Loan Fund can help you meet your investment needs, please call Susan Hood at 802-223-9133.

CLICK HERE to download everything you'll need to start the process of investing with the Vermont Community Loan Fund.