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Deposit Rates

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Certificates of Deposit ($1,000 and over)
Personal Savings Accounts
College Savings Fund
Individual Retirement Accounts (IRAs)
Village Bank Interest Bearing Checking
Village Bank Business Savings


Annual Percentage Yields (APY) Effective as of
Certificates of Deposit ($1,000 and over)
Term APY
3 Months 0.10%
6 Months 0.15%
12 Months 0.25%
18 Months 0.35%
24 Months 0.45%
36 Months 0.65%
48 Months 0.85%
60 Months 1.05%

May be subject to early withdrawal penalties. Fees could reduce earnings. Certificates with terms greater than 12 months have interest compounded annually. The 36, 48 and 60 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.

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Personal Savings Accounts
Village Money Market Savings APY* Opening Deposit
$0.01 to $4,999.99 0.05% $100
$5,000 to $99,999.99 0.10% $100
$100,000 and over 0.15% $100
Village Classic Savings APY* Opening Deposit
$50 and over 0.10% $50
Health Savings Account APY* Opening Deposit
$100 and over 0.10% $100
Minor Thrift APY* Opening Deposit
$1.00 and over 0.10% $1.00

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

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College Savings Fund
Minimum to Earn Interest APY*
$0.01 and over 0.10%

$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.

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Individual Retirement Accounts (IRAs)
Minimum Balance to Obtain APY* APY*
$500 to $49,999.99 0.10%
$50,000 and over 0.15%

Minimum Opening Deposit on both of these IRA accounts is $500. Fees could reduce earnings.

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Village Bank Interest Bearing Checking
Minimum Balance to Obtain APY* APY* Opening Deposit
50+ Interest $0.01 and over 0.05% $50
VIP Interest $0.01 and over 0.05% $50
Premium Interest** $0.01 - $1,499.99 0.05% $50
Premium Interest** $1,500 and over 0.10% $50
Business Interest*** $0.01 and over 0.05% $50
Health Savings Account $100 0.05% $100

Variable rate accounts, rates may change at the discretion of Village Bank. Fees could reduce earnings.
**Minimum balance of $1500 to avoid a $5 monthly fee. ***Minimum balance of $3000 to avoid $10 monthly fee

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Village Bank Business Savings
Business Money Market APY* Opening Deposit
$0.01 to $4,999.99 0.05% $5,000
$5,000 to $99,999.99 0.10% $5,000
$100,000 and over 0.15% $5,000

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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