Annual Percentage Yields (APY) Effective as of  

 Contact us to learn about our Special Certificate of Deposit Rate!

Certificates of Deposit ($1000 and over)

Term	APY*
3 Months	.25%
6 Months	.35%
12 Months	.50%
18 Months	.65%
24 Months	.80%
36 Months	1.10%
48 Months	1.40%

May be subject to early withdrawal penalties. Fees could reduce earnings. Certificates with terms greater than 12 months have interest compounded annually. The 36 and 48 month CDs contain a one-time step-up feature, allowing our customers the option of raising their interest rate one time during the term of the CD, for the current rate then in effect for that CD, based on the original term and dollar amount.

Personal Savings Accounts

Village Money Market Savings	APY*	Opening Deposit
$0.01 to $4,999.99	0.10%	$100
$5,000 to $99,999.99	0.15%	$100
$100,000 and over	0.35%	$100
Village Classic Savings	APY*	Opening Deposit
$50.00	.10%	$50
Health Savings Account	APY*	Opening Deposit
$100 to $4,999.99	0.10%	$100
$5,000 to $24,999.99	0.15%	$100
$25,000 and over	0.20%	$100
Minor Thrift	APY*	Opening Deposit
$1.00	0.10%	$1.00

Variable rate accounts, rates may change at the discretion of Village Bank. Fees could reduce earnings.

College Savings Fund

Minimum to Earn Interest	APY*
$ .01 and over	.30%

$100 per year deposit required to maintain CSF account. Required opening deposit is $100. Failure to deposit annually will cause the account to convert to a Village Classic Savings account and earn the posted rates thereof. Account matures on child's 21st birthday; account must be converted from an UGMA account at maturity or it will be closed. Variable rate account, rate subject to change at the discretion of Village Bank.

Individual Retirement Accounts (IRAs)

Minimum Balance to Obtain APY*	APY*
$500 to $49,999.99	0.20%
$50,000 and over	0.40%

Minimum Opening Deposit on both of these IRA accounts is $500.00. Fees could reduce earnings.

Village Bank Interest Bearing Checking

	Minimum Balance to Obtain APY*	APY*	Opening Deposit
50+ Interest	$.01 and over	0.05%	$50
VIP Interest	$.01 and over	0.05%	$50
Premium Interest**	$.01 - $1499.99	0.05%	$50
Premium Interest**	$1,500.00 and over	0.10%	$50
Business Interest***	$.01 and over	0.05%	$50
Health Savings Account	$100	0.05%	$100

	Minimum Balance to Obtain APY*	APY*
eChecking****	$0.01 - $9,999.99	0.10%
eChecking****	$10,000.00 and over	0.05%
eChecking****	If minimum account requirements are not met	0.05%

Variable rate accounts, rates may change at the discretion of Village Bank.
**Minimum balance of $1500 to avoid a $5 monthly fee. ***Minimum balance of $3000 to avoid $10 monthly fee
****Account is not available to open after 11/18/11. Minimum account requirements: sign up for Village Bank eStatements and five debit card transactions per statement cycle (cash withdrawals excluded). No minimum balance required. .10% APY will be paid on balances up to $10,000. For deposits over $10,000 the APY will be .05%. If minimum account requirements are not met an APY of .05% will be paid. For each check over five in the monthly statement cycle, a $3.00 fee will apply per check. Variable rate account, rates subject to change. Fees could reduce earnings.

 Village Bank Business Savings

Business Money Market	APY*	Opening Deposit
$0.01 to $4,999.99	0.10%	$100
$5,000 to $99,999.99	0.15%	$100
$100,000 and over	0.35%	$100

Variable rate account, rates may change at the discretion of Village Bank.

*All deposit rates are stated as APY, an abbreviation for Annual Percentage Yield.  

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