Vinton County National Bank

Deposit Rates

The following deposit rates are subject to change, to verify rates please call (800) 542-5004. Annual Percentage Yield (APY) is based on daily compounding of interest and assumes interest is added to principal balance. No Broker deposits accepted and other terms may be available.

Certificates of Deposit1 APY % Interest Rate %
6 Month .20 .20
12 Month .30 .30
17 Month
($2500 Min. to open)
.75 .75
18 Month .40 .40
24 Month .55 .55
24 Month Bump Rate CD2
($2,500 minimum)
.75 .75
24 Month Bump Rate CD2
($2,500 minimum and apply online only)
.85 .85
30 Month .75 .75
36 Month .75 .75
48 Month 1.25 1.24
60 Month 1.50 1.48
Personal Savings Account APY % Interest Rate %
Passbook Savings ($100 & Above) .10 .10
Minor Savings .10 .10
Hi Fi Money Fund Account APY % Interest Rate %
$0.01 - $2,499 .15 .15
$2,500- $24,999 .15 .15
$25,000 - $49,999 .20 .20
$50,000 & Above .20 .20
Health Savings Accounts APY % Interest Rate %
$0 - $250 .10 .10
$250 - $1000 .15 .15
$1000+ .75 .75

1. All CDs require $1,000 minimum balance unless otherwise noted. Substantial penalty for early withdrawal. Fees could reduce earnings on accounts.

2. A penalty will be imposed for early withdrawal. You may change (bump up) the rate of your Bump Rate CD (ACE) twice before maturity. The rate change you select must be a rate VCNB is offering for a Bump Rate CD of identical term. Rates offered on all CDs are within the banks discretion. If you utilize this option, your interest rate and annual percentage yield will change. Customers must notify the banking office when wanting to change (bump up) the interest rate. The initial rate of .85%APY is available Online Only.