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 October 6, 2026.

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Certificates of Deposit1
Term APY % Interest Rate %
6 Month 3.35 3.30
8 Month 3.35 3.30
10 Month
(min $2,500 to open)		 3.80 3.73
12 Month 3.40 3.34
15 Month
(min $2,500 to open)		 3.80 3.73
17 Month 3.50 3.44
24 Month
(min $2,500 to open)		 3.80 3.73
Personal Savings Account2
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 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. The interest rate and APY are variable and may change after account opening. Fees may reduce earnings.3. Minimum opening deposits are $1,000 for Hi-Fi Money Market, $25,000 for Rate Watchers Money Market, and $75,000 for Velocity Money Market. The interest rate and APY are variable and may change after account opening. Fees may reduce earnings. See the account disclosure and fee schedule for complete terms.  

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