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Personal Banking Rates


Checking and Savings Account Rates

Effective Date: 10/01/13

Account Type Daily Balances of: Minimum Opening DepositMinimum Balance to Obtain Annual Percentage YieldInterest RatesAnnual Percentage Yield
Interest Checking* $750.00 - 2,499.99 $0.00$750.00**0.05%0.05%
$2,500.00 and up 0.05%0.05%
Alliance Checking* $0.00$750.00**0.05%0.05%
Classic 55* $0.00$750.00**0.05%0.05%
Money Market Checking* $2,500.00 $2,500.00**
$2,500.00 - 9,999.99 0.20%0.20%
$10,000.00 - 24,999.99 0.20%0.20%
$25,000.00 - 99,999.99 0.20%0.20%
$100,000.00 - 249,999.99 0.25%0.25%
$250,000.00 and up 0.25%0.25%
Personal Savings* $0.00$100.00**0.15%0.15%
Club Savings* $0.000.15%0.15%
Kids$ave (Children's Savings)* up to $2,499.99 $0.00 $1.00** 1.00% 1.00%
$2,500.00 and up $0.00 0.15% 0.15%

* Interest Rates and Annual Percentage Yields are subject to change without notice or posting here. For current rate information call (540) 591-5000. Fees could reduce earnings on the account

** Daily Balance. The amount of the principal in the account each day.


Certificates of Deposit and IRA Rates

Effective Date: 09/01/13

Account Type Minimum Opening Deposit Minimum Balance to Obtain Annual Percentage Yield Interest Rates Annual Percentage Yield
Certificate of Deposit less than 1 year* $2,500.00 $2,500.00*** .15% Varies by term
Certificate of Deposit 1 year* $500.00 $500.00*** .25% .25%
Certificate of Deposit 2 year* $500.00 $500.00*** .45% .45%
Certificate of Deposit 3 year* $500.00 $500.00*** .65% .65%
Certificate of Deposit 4 year* $500.00 $500.00*** 1.05% 1.05%
Certificate of Deposit 5 year* $500.00 $500.00*** 1.20% 1.21%
No Penalty - Certificate of Deposit 1 Year* $5,000.00 $5,000.00*** .20% .20%
Stepping Stone Certificate of Deposit*, ** $2,500.00 $2,500.00*** .65% .65%
1 Year IRA* $100.00 $100.00*** .30% .30%
2 year IRA* $100.00 $100.00*** .50% .50%
3 Year IRA* $100.00 $100.00*** .60% .60%
4 year IRA* $100.00 $100.00*** 1.10% 1.10%
5 year IRA* $100.00 $100.00*** 1.25% 1.26%

* A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account

** Interest Rates and Annual Percentage Yields are subject to change without notice or posting here. For current rate information call (540) 591-5000.

***Daily Balance. The amount of the principal in the account each day.


Vehicle Loan Rates

We can make the car-buying process hassle free. We provide competitive rates, quick approvals, and customer discounts. For more information, please call (540) 591-5000 or visit any of our convenient offices. Our knowledgeable, experienced lenders will assist you in determining the best borrowing option for your circumstances and tailor a loan that will be a perfect fit for you.

 

VISA® Credit Card Rates

Effective Date: 03/01/2010

  VISA bronze VISA silver VISA gold
ANNUAL PERCENTAGE RATE FOR PURCHASES 18.00% 13.92% 10.80%
GRACE PERIOD FOR PURCHASES 25 Days*
BALANCE CALCULATION METHOD FOR PURCHASES The finance charge is calculated on the average daily balance (including new transactions).
ANNUAL FEES $10 per year $10 per year $20 per year
MONTHLY PERIODIC RATE 1.50% 1.16% .90%
TRANSACTION FEE FOR CASH ADVANCES AND FEES FOR PAYING LATE LATE-PAYMENT FEE: $25.00
CASH ADVANCE FEE: 3%
A finance charge will be assessed on cash advances from the date of the cash advance, or the first day of the billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.

*A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit purchases posted to your account, and subtracting any payments as received any credits as posted to your account, but excluding any unpaid Finance Charges.

To obtain the most accurate and up-to-date rate quotes, give us a call at 540-591-5000 or stop by one of our convenient locations. Our smiling employees will be glad to assist you over the phone or in person.

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