Deposit Account Rates



SAVINGS ACCOUNT RATES

Account Type APY Minimum Daily Balance to Earn APY
Share Savings: Premium Tier
$0.00 – $1,000.00
.50% None
Share Savings: Base Tier
$1,000.01 and over
.50% to .05%1 None

1Share Savings accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The Annual Percentage Yields (APYs), which vary depending on the balance in the account, are shown for each tier.

APYs effective as of 4/1/2020 and may change after account opening.



SPECIAL SAVINGS (Includes Fiduciary Special Savings)

Account Type APY Minimum Daily Balance to Earn APY
Special Savings 0.05% None

APYs effective as of 4/1/2020 and may change after account opening.



CHECKING ACCOUNT RATES (Includes Fiduciary Checking)

Account Type APY Minimum Daily Balance to Earn APY
Checking 0.00% None

APYs effective as of 7/1/2020 and may change after account opening.



CD RATES (Includes Fiduciary CDs)

Account Type Minimum Daily Balance to Earn APY Minimum Balance to Open Account APY
Six-Month $500 $500 0.70%
One-Year $500 $500 0.65%
Eighteen-Month $500 $500 0.60%
Two-Year $500 $500 0.60%
Three-Year $500 $500 0.60%
Four-Year $500 $500 0.60%
Five-Year $500 $500 0.60%

APYs effective as of 7/1/2020 and may change at maturity. Fees could reduce earnings. Early withdrawal penalties may apply



INDIVIDUAL RETIREMENT ACCOUNT RATES

Account Type Minimum Daily Balance to Earn APY APY
IRA Savings None 0.05%
One-Year Certificate $500 0.65%
Two-Year Certificate $500 0.60%
Three-Year Certificate $500 0.60%
Four-Year Certificate $500 0.60%
Five-Year Certificate $500 0.60%

APYs effective as of 7/1/2020 and may change at maturity. Fees could reduce earnings. Early withdrawal penalties may apply. Seek legal counsel to learn more about tax consequences for IRA certificates.



MONEY MARKET RATES (Includes Fiduciary Money Market Savings)

Total Balance APY Minimum Daily Balance to Open Account and Earn APY Minimum Daily Balance to Avoid Fee Below Minimum Balance Fee Monthly Transaction Fee Monthly Fee
$1,000-$4,999.99 0.30% $1,000 $1,000 $5/month None None
$5,000-9,999.99 0.35% $1,000 $1,000 $5/month None None
$10,000-$24,999.99 0.40% $1,000 $1,000 $5/month None None
$25,000-49,999.99 0.45% $1,000 $1,000 $5/month None None
$50,000-249,999.99 0.60% $1,000 $1,000 $5/month None None
$250,000.00-$999,999.99 0.65% $1,000 $1,000 $5/month None None
1,000,000.00 and over 0.70% $1,000 $1,000 $5/month None None

VGreen Money Market Savings Accounts are Tiered Rate accounts. For these accounts, if the balance falls within the range for a particular tier, the interest rate applicable to that tier will apply to the full balance in the account.

APY effective as of 5/29/2020. Rates and yields may change after account opening. Fees could reduce earnings.