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Account Product NameMinimum Opening DepositMinimum Balance to Obtain
Annual Percentage Yield
Interest RateAnnual Percentage Yield
7 to 90 Day Certificate of Deposita $1000.00 $1000.00c0.40%0.40%
6 Month Certificate of Deposita $1000.00 $1000.00c0.80%0.80%
1 Year Certificate of Deposita $100.00 $100.00c1.29%1.30%
1 Year No Penalty Certificate of Deposit $100.00 $100.00c1.10%1.10%
18 Month Certificate of Deposita$100.00$100.00c1.44%1.45%
2 Year Certificate of Deposita $1000.00 $1000.00c1.54%1.55%
36 Month “Step Up” Certificate of Depositab $1,000.00 $1,000.00c1.54%1.55%
3 Year Certificate of Deposita $100.00 $100.00c1.64%1.65%
5 Year Certificate of Deposita $100.00 $100.00c2.10%2.12%
6 Month Individual Retirement Accounta$100.00$100.00c0.80%0.80%
12 Month IRA $1000.00$1000.00c1.29%1.30%
24 Month Individual Retirement Accounta$100.00$100.00c1.54%1.55%
36 Month Individual Retirement Accounta $100.00 $100.00c1.64%1.65%
60 Month Individual Retirement Accounta $100.00 $100.00c2.10%2.12%
 Premier Money Market Accountb $2,500.00   
Daily balances of:    
 Up to $2,499.99  0.30%0.30%
 $2,500.00 to $49,999.99  0.40%0.40%
$50,000.00 to $99,999.990.40%0.40%
 $100,000.00 and up
 Interest Checking NOW Accountb $500.00   
 Daily balances of:    
 Up to $24,999.99  0.15%0.15%
 25,000.00 and up  0.20%0.20%
 Statement Savings Account $25.00$100.00c0.15%0.15%
 Christmas Club $25.00$100.00c0.50%0.50%
 SmartBusiness Money Marketb $2,500.00   
 Daily balances of:    
Up to $2,499.99  0.15%0.15%
 $2,500.00 – $99,999.99  0.20%0.20%
$100,000.00 and up  0.50%0.50%
 SmartBusiness Interest Checking $150.00 $2,500.00c0.10%0.10%

a) A penalty may be imposed for early withdrawal.

b) The interest rate and annual percentage yield may change after account opening.

c) Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account. Interest rates and annual percentage yields are current as of December 16, 2019 and are subject to change without notice. Certain restrictions may apply.  See your branch professional for further details, terms and conditions. For current rate information please call The Bank of Fincastle at (540) 473-2761. Member FDIC.