Current Rates

Current Rates and Fees

Checking, Money Market and Savings Rates
Product Minimum
to Open		 Minimum Balance
to Obtain APY*		 Interest
Rate		 APY*
Hometown Interest Checking $100.00 $20.00 0.15% 0.15%
Neighborhood Business Interest Checking $100.00 $20.00 0.15% 0.15%
Money Market Accounts $1,000.00 $20.00 0.15% 0.15%
$10,000.00 0.25% 0.25%
$50,000.00 0.30% 0.30%
$100,000.00 0.35% 0.35%
$200,000.00 0.40% 0.40%
$500,000.00 0.45% 0.45%
Regular Savings** $100.00 $20.00 0.30% 0.30%
  • *APY = Annual Percentage Yield
  • **Minors and full time students with proof of ID, Minimum of $25 to open savings.
  • Rates are effective as of March 1, 2013.
  • All rates are subject to change, at any time, without being published on this web site.
    Please contact your local branch to ensure the accuracy of these rates.
  • Rates may change after the account is opened.
  • Service fees or penalties charged against the account may reduce earnings.
Certificate of Deposit Rates
Product Minimum
to Open		 Minimum Balance
to Obtain APY*		 Interest Rate APY*
91 Days $1,000.00 $1,000.00 0.25% 0.25%
182 Days $1,000.00 $1,000.00 0.35% 0.35%
12 Months $500.00 $500.00 0.45% 0.45%
24 Months $500.00 $500.00 0.75% 0.75%
36 Months $500.00 $500.00 0.85% 0.85%
48 Months $500.00 $500.00 1.05% 1.05%
60 Months $500.00 $500.00 1.34% 1.35%
PROMOTIONAL CD
15 Months** $5,000.00 $5,000.00 0.60% 0.60%
  • *APY = Annual Percentage Yield
  • **This promotional offer may be withdrawn at any time.  Promotional Offer is not available for placement in the CDARS network.
  • Rates are effective as of March 1, 2013.
  • All rates are subject to change, at any time, without being published on this web site. Please contact your local branch to ensure the accuracy of these rates.
  • Rates may change after the account is opened.
  • Service fees or penalties charged against the account may reduce earnings.
  • For term deposit accounts, there is a penalty fee for any early withdrawal of funds.
  • CDs rates are fixed for the life of the term. Maturity rates are subject to change if automatically renew.
IRA Certificate of Deposit and Savings IRA Rates
Product Minimum
to Open		 Minimum Balance
to Obtain APY*		 Interest Rate APY*
12 Months $500.00 $500.00 0.45% 0.45%
24 Months $500.00 $500.00 0.75% 0.75%
36 Months $500.00 $500.00 0.85% 0.85%
48 Months $500.00 $500.00 1.05% 1.05%
60 Months $500.00 $500.00 1.34% 1.35%
Savings IRA
All Types $100.00 $20.00 0.35% 0.35%
  • *APY = Annual Percentage Yield
  • Rates are effective as of March 1, 2013.
  • All rates are subject to change, at any time, without being published on this web site. Please contact your local branch to ensure the accuracy of these rates.
  • Rates may change after the account is opened. Rates are fixed for the life of the term.
  • Service fees or penalties charged against the account may reduce earnings.
  • For term deposit accounts, there is a penalty fee for any early withdrawal of funds.

Fee Schedule Limits and Fees
The following fees may be assessed against your account:
Replace Debit Card or PIN $10.00
Foreign ATM Usage Fee
(per cash withdrawal, balance inquiry or account transfer) 		$1.00
Check Printing Fee depends on style
of check ordered
EZ Online Banking Business Bill Pay
Includes 15 transactions, each additional
transaction is $0.30 (free for the first 90 days)		 $5.95
Cashier’s Check $5.00
Money Order $5.00
Overdraft Fee $35.00
Return Item (any reason) $35.00
Deposited Checks Returned (any reason) $5.00
Copies of Items $3.00
Additional Copy of Statement $5.00
Stop Payments $35.00
Research – per hour $25.00
Night Deposit Bag $25.00
Plastic Zipper Bag $10.00
Safe Deposit Box Annual Rental
(sizes may vary by location)
3 x 5
5 x 5
3 x 10
5 x 10
7 x 10
10 x 10 		$25.00
$35.00
$45.00
$60.00
$75.00
$85.00
Duplicate Safe Deposit Box Keys $25.00
Safe Deposit Box Drilling Bank’s Cost
Incoming Wire Transfer $10.00
Domestic Outgoing Wire Transfer $20.00
International Outgoing Wire Transfer $30.00
Premature Account Closing
(if closed within 6 months of opening date)		 $25.00
Dormant Checking Account – per month (no customer initiated activity for 12 months) $10.00
Dormant Money Market / Savings Account – per month (no customer initiated activity for 5 years) $10.00
Excessive Withdrawal Fee –
per excessive debit
Savings Account
Market Account		 $1.00
$5.00
Garnishments $75.00
Levies $75.00
Virginia Department of Taxation Levy $20.00