Your Southern & Central Ohio Community Bank | Vinton County National Bank

Important Announcement

SCAM ALERT: We've received reports that scammers are spoofing our phone numbers and pretending to be the bank when calling customers and requesting personal and account information. Please remember that we will never call, text, or email you asking for your personal information like your PIN, account numbers, account balances, or full social security number. If you received a call from someone saying they work for VCNB and you answered these types of questions, please contact our Customer Service Team immediately at 800.542.5004.

Integrity. Security. Trust.

At VCNB, we work hard every day to do what’s right – even when no one is looking. We treat people the way we want to be treated, volunteer in our communities, and keep a watchful eye to safeguard our customers.

Find a Location Near You
Dream Big. Start Small.

Have BIG dreams and a small amount saved for buying your new home? We offer low down payment options and our lenders can walk you through the entire home mortgage process - from starting your loan application and finding the right financing to turning the key on move-in day! Equal Opportunity Lender.

Let's Talk Mortgages
Dream Big. Start Small.

Have BIG dreams and a small amount saved for building your home? We offer low down payment options to make it easier for you to achieve your dreams. Our lenders walk you through the entire process from financing the loan through the construction process and right up until you turn the key on move-in day. Equal Opportunity Lender.

Land & Construction Loans
Saving for a New Home?

We offer a special savings account that can help you achieve your goal. Check out Ohio Homebuyer Plus!

Ohio Homebuyer Plus

Deposit Rates
Mortgage Rates

Today's Featured Rates			7 Month CD		10 Month CD		Rate Watchers Money Market
Open Online			APY 3.60%	Interest Rate 3.54%	APY 3.70%	Interest Rate 3.63%	Click for Rates!

Disclosures: The following deposit rates are subject to change. 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. Featured 7 Month and 10 Month rates require $2,500 minimum balance. Penalty will be imposed for early withdrawal. Fees could reduce earnings on accounts. Rates accurate as of May 7, 2026.

Today's Featured Rates			30 Year Fixed Rate			20 Year Fixed Rate			15 Year Fixed Rate
Apply Now!			Rate 6.250%	APR 6.332%	Points 0.00%	Rate 6.250%	APR 6.358%	Points 0.00%	Rate 5.875%	APR 6.010%	Points 0.00%

Disclosures: Annual Percent Rate (APR) and fees are subject to change without notice. Credit subject to approval and sufficient property appraisal. Rate shown is for a single family residence/owner occupied and requires a 20% down payment. A $150,000 fixed-rate mortgage for 30 years (360 monthly payments) at an annual interest rate of 6.250% will have a monthly payment of approximately $923.58. Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Rates accurate as of May 14, 2026.

Hello! How can we help you today?

VCNB offers a variety of ways for our customers to do business. Make a fee-free payment to your VCNB loan account from a checking or savings at another bank, open a checking account or apply for a mortgage all from the comfort of your computer, tablet or phone. If you would rather visit us in-person, we'd be happy to meet with you.

Vinton County Nationall Bank

LEADING TECHNOLOGY, LOCAL SUPPORT

VCNB provides you with the leading technology you need to do your everyday banking. We offer technology like mobile banking and mobile deposit, best in class bill pay and customized account alerts. We even have Zelle® so you can easily send and receive money with friends and family.

Find out more

Longtime VCNB Lender Jeff Thacker To Retire This Month

Longtime VCNB lender Jeff Thacker will retire soon. Today he talks about his colorful career.

Small Business Spotlight: Elliot's Wood Fired Kitchen...

Being a small business is tough but the folks at Elliot's Wood Fired Kitchen And Tap make it look easy!

Ben Junk Will Retire This Week After 30 Years With VCNB

When Ben Junk retires this week, he will leave behind a legacy that cannot be measured.

Simple Ways To Start Making Better Money Choices

The path to making smart money choices can be challenging but it isn’t complicated. In fact, it’s mostly about being aware, avoiding...

President Mark Erslan

VCNB President, Tom Oyer

In 1867, my ancestor, Dan Will founded the Vinton County National Bank with a commitment to serving the neighbors and small businesses of his community. Over the past century and a half, VCNB has grown and expanded while remaining true to our founding purpose: serving the communities we call home.

I invite you to experience the value, commitment, and personal service of Vinton County National Bank. The community bank serving your community.

Login to Your Account

Integrity. Security. Trust.

Dream Big. Start Small.