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 you to log in or share 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.

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 May 7, 2026.

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Certificates of Deposit1
Term APY % Interest Rate %
6 Month 2.50 2.47
7 Month
(min $2,500 to open)		 3.60 3.54
8 Month 2.50 2.47
9 Month 2.50 2.47
10 Month
(min $2,500 to open)		 3.70 3.63
12 Month 2.50 2.47
15 Month 2.50 2.47
17 Month
(min $2,500 to open)		 3.40 3.34
24 Month 3.05 3.00
36 Month 2.50 2.47
48 Month 2.50 2.47
60 Month 2.50 2.47
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 2.65 2.62
$75,000-$249,999 3.00 2.96
$250,000-$499,999 3.00 2.96
$500,000-$999,999 3.00 2.96
$1,000,000 & Above 3.00 2.96
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.

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