Impact Investing

What if your investments could help build affordable housing, a small business to expand, or a Vermont community build something it's been missing?

A rocky mountain stream flowing through a forested landscape with evergreen and leafless trees, with a cabin and blue sky with clouds in the background.

That's what impact investing with VCLF makes possible. Since 1987, impact investments have allowed us to put over $168 million to work in Vermont.

Getting Started

Investment accounts

Protecting your investment

Tax benefits

FAQ

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Investment Accounts

We offer five unique, customizable impact investment accounts to meet your financial and impact needs.

1 year	2 years	3–6 years	7–9 years	10+ years
3.5%	3%	2.5%	2.75%	3%

Social Investment Term Account

Line drawing of a watering can watering two plant sprouts on soil.

Our Social Investment Term Account works like a bank CD, earning a fixed interest rate until the maturity date of your choice. Interest payments can be made quarterly, semi-annually, annually or at maturity; interest can also be added to your investment principal. You can also choose to focus your impacts on certain issue areas.

Learn more

Our Social Investment Cash Account provides greater flexibility in withdrawing or adding to your investment. You can withdraw funds once a month, there is no limit on deposits, and no fixed maturity.

➡️ Download a one page account overview

Maturity	Rate
Open-ended, withdrawals upon demand	0.25%

Social Investment Cash Account

Social Investment Graduating Account

Illustration of mountains, a winding road, trees, and water in a circular emblem.

Structure	Rate
Fixed rate, with monthly deposits	0.25%

Our Social Investment Graduating Account allows VCLF investors to “start small,” with a lower opening minimum of $250 and automated monthly deposits that grow your principal (and impact!) over time.

➡️ Download a one page account overview

Icon of a hiker with a backpack climbing a mountain with a hiking stick, on a navy blue circular background.

Rate type	Rate
Variable, set annually	3%

Charitable Housing Tax Credit Account

Impact investors who dedicate their funds to affordable housing can choose to receive a State of Vermont income tax credit based on the value/term of their investment.

Learn more

Structure	Rate
Maturity term of your choice	0%

Justice Forward Fund

Our Justice Forward Fund is dedicated to serving Vermonters who have been traditionally and systemically excluded from financial products and services: Black, Indigenous, and Vermonters of Color. To keep borrower costs as low as possible, we’re asking VCLF impact investors to support this critical work by investing a portion of your funds—whatever feels right to you—in the JFF. This is a truly philanthropic investment, earning 0% interest, with a maturity term of your choice.