Rates


Certificates of Deposit

For Personal and Business accounts up to $1,000,000
For rates over $1,000,000 please contact us at 918-495-1700
Term Balance to obtain APY 1 Interest Rate APY 1
3 Month * $1,000.00 A 0.50% 0.50%
3 Month Jumbo * $100,000.00 A 0.50% 0.50%
6 Month * $1,000.00 A 0.75% 0.75%
6 Month Jumbo * $100,000.00 A 0.75% 0.75%
6 Month Variable * $2,500.00 A 2.25% D 2.27% D
12 Month * $1,000.00 A 0.90% 0.90%
12 Month Jumbo * $100,000.00 A 0.90% 0.90%
18 Month * $1,000.00 A 1.00% 1.00%
18 Month Jumbo * $100,000.00 A 1.00% 1.00%
2 Year * $1,000.00 A 1.25% 1.26%
2 year Jumbo * $100,000.00 A 1.25% 1.26%
3 Year * $1,000.00 A 1.40% 1.41%
3 year Jumbo * $100,000.00 A 1.40% 1.41%
4 Year * $1,000.00 A 1.60% 1.61%
4 year Jumbo * $100,000.00 A 1.60% 1.61%
5 Year * $1,000.00 A 1.65% 1.66%
5 year Jumbo * $100,000.00 A 1.65% 1.66%

Personal Account Rates

Account Type Balance to obtain APY 1 Interest Rate APY 1
Rewards Checking** $100.00 - $25,000.00 A 2.03% 2.05%
Rewards Checking** $25,001.00 + A 0.12% 0.12%
Rewards Checking** Any A (if qualifications are not met) 0.05% 0.05%
Interest Plus Checking** - 0.10% 0.10%
Personal Savings** $100.00 B 0.15% 0.15%
Money Market Account** $1,000.00 - $9,999.99 C 0.05% 0.05%
Money Market Account** $10,000.00 - $49,999.99 A 0.25% 0.25%
Money Market Account** $50,000 - $100,000.00 A 0.25% 0.25%
Money Market Account** $100,000.01 + A 0.25% 0.25%
30 Month Fixed IRA* $1,000.01 + A 1.30% 1.31%

Business Account Rates

Account Type Balance to obtain APY 1 Interest Rate APY 1
Business Savings** $100.00 B 0.15% 0.15%
Money Market Account** $1,000.00 - $9,999.99 C 0.05% 0.05%
Money Market Account** $10,000.00 - $49,999.99 A 0.25% 0.25%
Money Market Account** $50,000 - $100,000.00 A 0.25% 0.25%
Money Market Account** $100,000.01 + A 0.25% 0.25%
Sole Ownership Account** $1,500.00 + B 0.10% 0.10%
Deposit Rates as of
1) APY = Annual Percentage Yield
2) Certificates of Deposit and IRAs require a minimum $1,000 opening deposit; subject to penalty for early withdrawal.

* A penalty may be imposed for early withdrawal. Account fees could reduce earnings.
** The interest rate and APY may change after account opening

A - Daily balance. The amount of the principle in the account each day.
B - Average daily balance. The average daily balance is calculated by adding the principle in the account for each day of the period and dividing that figure by the number of days in the period.
C - APY is paid on balances of $1,000 and higher.
D - Indexed to Wall Street Journal prime rates minus 3%.

Rates may change without notice. For up-to-the-minute rates, please call 918-495-1700.

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About VNB

Since February of 1982, Valley National Bank has been a locally owned and operated full-service financial institution that prides itself on being one of the few remaining independent banks in northeastern Oklahoma.


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