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
15 Month Add-On CD2 .50 .50
15 Month Add-On CD2
(Apply online only)
.60 .60
18 Month .40 .40
24 Month .55 .55
24 Month Bump Rate CD3
($2,500 minimum)
.75 .75
24 Month Bump Rate CD3
($2,500 minimum and apply online only)
.85 .85
30 Month 1.05 1.04
36 Month .60 .60
48 Month 1.00 1.00
60 Month 1.05 1.04
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
Rate Watcher Index Account4 APY % Interest Rate %
$0.01 - $24,999 .15 .15
$25,000 & 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. The advertised special of 0.60% APY applies only to Add-On certificates of deposit opened ONLINE with a term of 15 months. You may add additional funds to the CD at any point during the 15 month term. Additional deposits must be a minimum of $500 per deposit, will not extend the maturity date and will earn interest from the date of deposit. Funds may be deposited at a banking center location, or initiated via online chat, secure email or telephone. Rates offered on all CDs are within the banks discretion.

3. 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.

4. This is a variable rate account. The rate is subject to change after account is open. Minimum balance to open Rate Watchers Money Market Index Account is $10,000. Balance required to earn APY tied to the index is $25,000. Interest rate and APY are subject to change without notice. Member FDIC.