Important Announcement

Attention VCNB Debit Card Holders: 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.  Feel free to contact our Customer Service Team at 800.542.5004 with questions or click here for our FAQ.

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 July 9, 2024.

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Certificates of Deposit1
Term APY % Interest Rate %
3 Month
(min $2,500 to open)		 5.00 4.88
6 Month .50 .50
7 Month
(min $2,500 to open)		 5.00 4.88
8 Month .50 .50
9 Month .50 .50
10 Month
(min $2,500 to open)		 5.00 4.88
12 Month 1.00 1.00
15 Month
(min $2,500 to open)		 4.50 4.40
17 Month 1.00 1.00
18 Month 1.00 1.00
24 Month "One Bump" CD2
(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 Account3
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. The interest rate may change after account opening with customer's request to initiate a one time rate bump during the initial term of the CD. The CD maturity date will stay the same. 3. Annual Percentage Yield (APY) is based on monthly compounding interest and assumes interest is added to principal balance.

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