Personal Deposit Rates

Checking Account 1

Type

Minimum Opening Deposit

APY

APY = annual percentage yield, effective as of 02/01/2023 and reflects the current minimum APY offered.

Type

Basic Checking

Minimum Opening Deposit

$25

APY

0.05%

Type

Edge Pay Checking

Minimum Opening Deposit

$25

APY

None

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Savings Account 1

Type

Minimum Opening Deposit

APY

APY = annual percentage yield. Share Savings APY effective as of 02/01/2023 and reflects the current minimum APY offered. Special Savings APY effective as of 02/01/2023 and reflects the current minimum APY offered.

Type

Share Savings

Minimum Opening Deposit

$5

APY

0.20%

Type

Special Savings

Minimum Opening Deposit

$5

APY

0.20%

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Money Market Account 1

Minimum Balance 2

APY

APY = annual percentage yield, effective as of 02/01/2023 and reflects the current minimum APY offered.

Minimum Balance 2

$1,000 – $4,999.99

APY

1.51%

Minimum Balance 2

$5,000 – $9,999.99

APY

1.51%

Minimum Balance 2

$10,000 – $24,999.99

APY

1.51%

Minimum Balance 2

$25,000 – $49,999.99

APY

1.51%

Minimum Balance 2

$50,000 – $249,999.99

APY

2.02%

Minimum Balance 2

$250,000.00 – $999,999.99

APY

2.53%

Minimum Balance 2

$1,000,000.00 and over

APY

2.53%

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Certificates of Deposit (CD) 1,3

Term

Minimum Balance

APY

APY = annual percentage yield, effective as of 03/01/2023 and reflects the current minimum APY offered.

Term

6-month

Minimum Balance

$500

APY

0.75%

Term

1-year

Minimum Balance

$500

APY

1.26%

Term

18-month

Minimum Balance

$500

APY

4.07%

Term

2-year

Minimum Balance

$500

APY

1.76%

Term

3-year

Minimum Balance

$500

APY

2.02%

Term

4-year

Minimum Balance

$500

APY

2.12%

Term

5-year

Minimum Balance

$500

APY

2.27%

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Individual Retirement Account (IRA) 1,3

Term

Minimum Balance

APY

APY = annual percentage yield, effective as of 03/01/2023 and reflects the current minimum APY offered.

Term

IRA Savings

Minimum Balance

None

APY

.20%

Term

1-year certificate

Minimum Balance

$500

APY

1.26%

Term

18-month certificate

Minimum Balance

$500

APY

4.07%

Term

2-year certificate

Minimum Balance

$500

APY

1.76%

Term

3-year certificate

Minimum Balance

$500

APY

2.02%

Term

4-year certificate

Minimum Balance

$500

APY

2.12%

Term

5-year certificate

Minimum Balance

$500

APY

2.27%

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Disclosures

1
– Fees may reduce earnings.
2
– The VGreen Money Market account is a tiered rate account.  The applicable tiered interest rate is applied to the total account balance. There is a $5 monthly below minimum balance fee.
3
– Early withdrawal penalties may apply to certificates of deposit.