RATES
VISIONBank offers competitive rates for your personal checking, savings, and money market accounts as well as CD's and IRA's.
Personal Checking + Savings Accounts
| ACCOUNT TYPE | INTEREST RATE | APY* | MINIMUM DEPOSIT TO OPEN ACCOUNT | MINIMUM BALANCE TO EARN APY* |
|---|---|---|---|---|
| Ultimate Checking | 0.25% | 0.25% | $400 | $400 |
| Youth Savings | 0.25% | 0.25% | $0 | $0.01 |
| Regular Savings | 0.25% | 0.25% | $50 | $50 |
| Money Market Savings | 0.75% | 0.75% | $500 | $500 |
| IRA Savings | 0.75% | 0.75% | $100 | $100 |
*Annual Percentage Yield accurate as December 16, 2024.
Fees May Reduce Earnings
Rates May Change After the Account is Opened
Ultimate Money Market Account Rates
| ACCOUNT TYPE | INTEREST RATE | APY* | MINIMUM BALANCE TO EARN APY* | MINIMUM DEPOSIT TO OPEN ACCOUNT |
|---|---|---|---|---|
| $0 - $99,999.99 | 0.75% | 0.75% | $0.01 | $100,000 |
| $100,000 - $249,999.99 | 1.25% | 1.26% | $100,000 | $100,000 |
| $250,000 - $499,999.99 | 1.50% | 1.51% | $250,000 | $100,000 |
| $500,000 + | 2.00% | 2.02% | $500,000 | $100,000 |
*Annual Percentage Yield accurate as December 16, 2024.
Fees May Reduce Earnings
Rates May Change After the Account is Opened
CD Rates
| TERM | INTEREST RATE | APY* | MINIMUM DEPOSIT TO OPEN ACCOUNT | MINIMUM BALANCE TO EARN APY* |
|---|---|---|---|---|
| 3 Month | 4.00% | 4.06% | $500 | $500 |
| 6 Month | 4.25% | 4.30% | $500 | $500 |
| 9 Month | 4.15% | 4.17% | $500 | $500 |
| 12 Month | 3.85% | 3.85% | $500 | $500 |
| 15 Month | 3.50% | 3.50% | $500 | $500 |
| 18 Month | 3.00% | 3.02% | $500 | $500 |
| 24 Month | 3.00% | 3.00% | $500 | $500 |
| 36 Month | 2.85% | 2.85% | $500 | $500 |
| 48 Month | 2.85% | 2.85% | $500 | $500 |
| 60 Month | 3.15% | 3.15% | $500 | $500 |
*Annual Percentage Yield accurate as December 16, 2024.
Penalty for Early Withdrawal May Apply.
Please contact a VISIONBank employee for further information.
PERSONAL CHECKING
ULTIMATE CHECKING
Interest Rate: 0.25%
APY*: 0.25%
Min. Deposit to Open Account: $400
Min. Balance to Earn APY*: $400
*Annual Percentage Yield accurate as
December 16, 2024. Fees may reduce earnings. Rates may change after the account is open.
SAVINGS ACCOUNTS
YOUTH SAVINGS
Interest Rate: 0.25%
APY*: 0.25%
Min. Deposit to Open Account: $0
Min. Balance to Earn APY*: $0.01
REGULAR SAVINGS
Interest Rate: 0.25%
APY*: 0.25%
Min. Deposit to Open Account: $50
Min. Balance to Earn APY*: $50
MONEY MARKET SAVINGS
Interest Rate: 0.75%
APY*: 0.75%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
IRA SAVINGS
Interest Rate: 0.75%
APY*: 0.75%
Min. Deposit to Open Account: $100
Min. Balance to Earn APY*: $100
*Annual Percentage Yield accurate as December 16, 2024.
Fees may reduce earnings. Rates may change after the account is open.
ULTIMATE MONEY MARKET SAVINGS
$0-$99,999.99 TIER
Interest Rate: 0.75%
APY*: 0.75%
Min. Deposit to Open Account: $100,000
Min. Balance to Earn APY*: $0.01
$100,000 - $249,999.99 TIER
Interest Rate: 1.25%
APY*: 1.26%
Min. Deposit to Open Account: $100,000
Min. Balance to Earn APY*: $100,000
$250,000 - $499,999.99 TIER
Interest Rate: 1.50%
APY*: 1.51%
Min. Deposit to Open Account: $100,000
Min. Balance to Earn APY*: $250,000
$500,000+ TIER
Interest Rate: 2.00%
APY*: 2.02%
Min. Deposit to Open Account: $100,000
Min. Balance to Earn APY*: $500,000
*Annual Percentage Yield accurate as December 16, 2024.
Fees may reduce earnings. Rates may change after the account is open.
CD RATES
3 MONTH
Interest Rate: 4.00%
APY*: 4.06%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
6 MONTH
Interest Rate: 4.25%
APY*: 4.30%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
9 MONTH
Interest Rate: 4.15%
APY*: 4.17%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
12 MONTH
Interest Rate: 3.85%
APY*: 3.85%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
15 MONTH
Interest Rate: 3.50%
APY*: 3.50%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
18 MONTH
Interest Rate: 3.00%
APY*: 3.02%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
24 MONTH
Interest Rate: 3.00%
APY*: 3.00%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
36 MONTH
Interest Rate: 2.85%
APY*: 2.85%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
48 MONTH
Interest Rate: 2.85%
APY*: 2.85%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
60 MONTH
Interest Rate: 3.15%
APY*: 3.15%
Min. Deposit to Open Account: $500
Min. Balance to Earn APY*: $500
*Annual Percentage Yield accurate as December 16, 2024.
Penalty for early withdrawal may apply. Please contact a VISIONBank employee for further information.
