Important Announcement

Attention VCNB Debit Card Holders: VCNB Tap To Pay with Visa® debit cards have been sent out to all cardholders! Your old VCNB Mastercard will be deactivated on September 30 so it is vital you activate and begin using your new Visa immediately. If you are a uChoose Rewards® customer, you will need to create a new uChoose account for this debit card. Call our Customer Service Team at 800.542.5004 for assistance. Get more details about your new Visa debit card on our blog - click here!

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 unless otherwise noted. No broker deposits accepted and other terms may be available. Rates accurate as of September 10, 2024.

Open Online

Certificates of Deposit1
Term APY % Interest Rate %
3 Month
(min $2,500 to open)		 4.80 4.69
6 Month .50 .50
7 Month
(min $2,500 to open)		 4.80 4.69
8 Month
(min $2,500 to open)		 4.45 4.35
9 Month .50 .50
10 Month
(min $2,500 to open)		 4.45 4.35
12 Month 1.00 1.00
15 Month 1.00 1.00
17 Month 1.00 1.00
18 Month 1.00 1.00
24 Month
(min $2,500 to open)		 3.41 3.35
36 Month 1.26 1.25
48 Month 1.26 1.25
60 Month 1.26 1.25
Personal Savings Account
Product APY % Interest Rate %
Passbook Savings ($100 & Above) .05 .05
Minor Savings .05 .05
Hi Fi Money Market Account2
Minimum balance to obtain interest APY % Interest Rate %
$0.01 - $24,999 .10 .10
$25,000- $49,999 .10 .10
$50,000 - $99,999 .25 .25
$100,000 - $249,999 .50 .50
$250,000 - $499,999 1.00 1.00
$500,000 - $999,999 1.00 1.00
$1,000,000 & Above 1.00 1.00
Velocity Money Market Account3
Minimum balance to obtain interest APY % Interest Rate %
$0.01 - $74,999 .10 .10
$75,000 - $249,999 1.00 1.00
$250,000 - $499,999 1.26 1.25
$500,000 - $999,999 1.26 1.25
$1,000,000 & Above 1.51 1.50
Rate Watchers Money Market Account3
Minimum balance to obtain interest APY % Interest Rate %
$0.01 - $24,999 .10 .10
$25,000-$74,999 3.56 3.50
$75,000-$249,999 3.56 3.50
$250,000-$499,999 3.56 3.50
$500,000-$999,999 3.56 3.50
$1,000,000 & Above 3.56 3.50
Savings IRA
Minimum balance to obtain interest APY % Interest Rate %
$0 - $4,999 .10 .10
$5,000 - $9,999 .15 .15
$10,000+
 		 .40 .40
Health Savings Accounts
Minimum balance to obtain interest APY % Interest Rate %
$0 - $250 .05 .05
$250 - $1,000 .05 .05
$1,000+
 		 .30 .30

1. All CDs require $1,000 minimum balance unless otherwise noted. Substantial penalty for early withdrawal. Fees could reduce earnings on accounts. 2. Annual Percentage Yield (APY) is based on monthly compounding interest and assumes interest is added to principal balance.

scrolltop