Impact Investing in Vermont, for Vermont. Investments with Value...and Values.

The money we lend comes to us as impact investments from hundreds of community-focused individuals and families, faith-based groups, foundations and other nonprofits, community and national banks, corporations, and local, state, and federal governments. They want to do more with their money, and they are: investments in the Loan Fund’s work have helped us make over $152 million in loans since 1987.

HOW IT WORKS

We offer five unique, customizable impact investment vehicles to meet our investors’ financial and impact needs.

SOCIAL INVESTMENT TERM ACCOUNT

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

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.

Some VCLF investors choose to focus their impacts within a certain issue area. You can dedicate your impact investment to local food and Vermont’s working landscape via our Food, Farms & Forests Fund or you can support quality early childhood education by investing in the Next Generation Fund.

>>> Learn more about this account
>>> Register for a social investment term account

SOCIAL INVESTMENT CASH ACCOUNT

Open-Ended Maturity, Withdrawals Upon Demand
0.25%

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.

>>> Learn more about this account
>>> Register for a social investment cash account

SOCIAL INVESTMENT GRADUATING ACCOUNT

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.

>>> Learn more about this account
>>> Register for a social investment graduating account

CHARITABLE HOUSING TAX CREDIT

Variable Rate, Set Annually
3%

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 about this tax benefit
>>> Register for a charitable housing tax credit account

JUSTICE FORWARD FUND

Our Most Equitable and Impactful Investment
0%

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.

>>> Register for a Justice Forward Fund account

Rates are subject to change.

LEARN MORE:

The money we lend comes to us as impact investments from hundreds of community-focused individuals and families, faith-based groups, foundations and other nonprofits, community and national banks, corporations, and local, state, and federal governments. They want to do more with their money, and they are: investments in the Loan Fund’s work have helped us make over $152 million in loans since 1987.

HOW IT WORKS

We offer five unique, customizable impact investment vehicles to meet our investors’ financial and impact needs.

SOCIAL INVESTMENT TERM ACCOUNT

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

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.

Some VCLF investors choose to focus their impacts within a certain issue area. You can dedicate your impact investment to local food and Vermont’s working landscape via our Food, Farms & Forests Fund or you can support quality early childhood education by investing in the Next Generation Fund.

>>> Learn more about this account
>>> Register for a social investment term account

SOCIAL INVESTMENT CASH ACCOUNT

Open-Ended Maturity, Withdrawals Upon Demand
0.25%

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.

>>> Learn more about this account
>>> Register for a social investment cash account

SOCIAL INVESTMENT GRADUATING ACCOUNT

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.

>>> Learn more about this account
>>> Register for a social investment graduating account

CHARITABLE HOUSING TAX CREDIT

Variable Rate, Set Annually
3%

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 about this tax benefit
>>> Register for a charitable housing tax credit account

JUSTICE FORWARD FUND

Our Most Equitable and Impactful Investment
0%

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.

>>> Register for a Justice Forward Fund account

Rates are subject to change.

LEARN MORE:

Borrow

Borrow

Learn more about Borrowing with VCLF or contact us today to get started!

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Invest

Invest

Learn more about Investing with VCLF or contact us today to get started!

“I needed something to do with my money that pleased my conscience as well as fulfilling my financial goals. It’s the best of both worlds.” Michelle Barber

“I'll get some return on investment while promoting values-led endeavors. What could be better?” Duane Peterson

“It is extremely important that my money not do things I’m unwilling to do myself.” Reverend Sister Laurian Seeber

“If that’s something I can invest in - opportunities, equality - then that’s what I want to invest in.” Bonnie Acker

“The Loan Fund is a good model for addressing social problems and the issues we all face. I see it in so many places, in such a concrete way.” Jane Knodell

“I know my money will be there when I need it. But for now, the Loan Fund allows me to turn my assets into opportunities for Vermonters.” Jonah Bourne

“We could have made more money somewhere else, but we couldn’t have gotten what we really wanted from our investment anywhere other than VCLF.” Rita McCaffrey, Dismas of Vermont

“I’m no high-powered salesman, but when friends ask me about VCLF, I tell them it just seems right to invest.” Harris Webster

“We thought, ‘How do we manage our assets so they do good in the world?'” Dawn Andrews

“What is a better idea than to invest in a good cause?” Lilla McLane-Bradley

“The more we can help each other out as neighbors, the better off we'll all be. The Loan Fund helps others like you would expect a neighbor to help you.” Zeke Goodband

“Investing in Vermont is a good deal for taxpayers. By stimulating local economic development, we create jobs and vibrant communities.” State of Vermont Treasurer Beth Pearce

“The Loan Fund lets you put your money where your mouth is, or put your money where your heart is.” Charlie Hunter

“The Loan Fund is the prime example of ‘think globally, act locally.’ It’s the ideal place to see our money put to work.” Rick Winston & Andrea Serota

“Investing is a way to pay forward the charitable support that Shelburne Farms receives, supporting other food, farming, forestry and agri-tourism enterprises.” Alec Webb, Shelburne Farms

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