Current Rates →Opening an account has never been easier. If available, simply click "Open Online" and follow the instructions. For any accounts not available to open online please visit a VCNB Banking Center today!
Personal Checking Accounts
Checking My Way
When you need flexibility and choice. Checking My Way has no balance requirement, free electronic statements, online and mobile banking and deposits.
Get unlimited check writing and free official checks and money orders, along with the convenience of our online products and services.
Personal Savings Accounts
The Passbook savings account requires an opening balance of $100 minimum, no minimum for minors. Interest is paid on this type of savings account.
Hi-Fi Money Market
The Money Market account can be opened with a balance of $1,000 and interest is paid on tiered amounts. As your balance increases so do the rates.
Rate Watchers Index
The Rate Watchers account allows you to invest for higher returns without the high risk. There is instant liquidity, no loss of principal, and you are able to add money anytime.
Health Savings Accounts (HSA)
Health Savings Accounts (HSA) are offered to help individuals with high deductible health insurance plans to save money tax-free for qualified medical expenses.
Business Checking Accounts
Regular Business Checking is the perfect account for a larger business, such as a corporation.
EZ Business Checking is tailored to the small business owner: sole proprietorship, partnership, limited liability company, or small corporation.
Certificate of Deposit (CD)
A Certificate of Deposit is a great way to save money and earn a higher rate of interest. Simply select the length of time you would like to invest your money and watch your money grow. CDs can be opened by an individual or a business.
Individual Retirement Account (IRA)
Earn interest on your money and continue to contribute to your retirement over time. We offer Traditional, ROTH, SEP and Educational IRA's allowing you to choose what is best for your long term goals. Open to individuals only.
Whether you are buying a new home or car, refinancing or building the house of your dreams, we have the options and experienced lenders to help you make the right decision.
To support the many business needs we offer loans on commercial real estate, construction, inventory, working capital, business equipment, lines of credit and letters of credit.
Online banking allows you to view all of your VCNB accounts including checking accounts, savings accounts, loans, individual retirement accounts and certificates of deposit.