Important Announcement

Attention VCNB Debit Card Holders: In an effort to always provide you with valuable financial tools and benefits, your VCNB Mastercard® debit card is becoming a Tap to Pay with Visa® debit card!  Your basic account terms, uChoose Rewards®, and our commitment to your security and satisfaction will remain the same.  As the transition approaches, we’ll send you more information. In the meantime, you can contact our Customer Service Team at 800.542.5004 with any questions.

Auto Loans

CD & IRA

Let your money grow with our personal investment products and contact us about investing in your future!

Current Rates

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.

Interest accrued to the account will result in higher returns. Individuals may select to have interest credited to another account or a check mailed to them on a regular basis.

Open Online

Individual Retirement Account (IRA)

IRA’s can be invested by Certificate of Deposit (CD) or by an IRA Savings. The CD is a great option if you want to invest a lump sum for a CD term rate. Funds to a CD cannot be added to or withdrawn during the CD term. An Individual Retirement Account allows you to save more for your future. 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. 

Educational IRAs

Created as an incentive to help save for future educational expenses, an Educational IRA is an excellent way to save for a college or technical school education. Allowable contributions can be made for a beneficiary under age 18 (or of special needs) and are limited by income. Distributions are tax-free as long as they are used for qualified education expenses.

Open At Branch

IRA Savings Accounts

Our IRA Savings is designed to help you prepare for the future by giving you the ability to continuously contribute and grow your retirement savings. With a tiered rate structure, the more you save, the more interest you can earn. The IRA Savings option offers the flexibility of preparing for your future at your own pace.

Open At Branch

Your accounts are insured up to $250,000 by the Federal Deposit Insurance Corporation. Do you have more than $250,000 on deposit and think you need additional insurance? Ask your local banker how you can fully insure your deposits.

*Penalty fees may apply to early withdrawal on Certificate of Deposit and IRA accounts.

Vinton County National Bank

Vinton County National Bank

Checking Account

Don’t have a checking account with VCNB? Now’s the perfect time to start one. Open online today.

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