Give your money some security and some room to grow in a Certificate of Deposit (CD). With FDIC insurance coverage and market-leading rates, VCB CDs are in your best interest!
| Fixed-Term CD / IRA2 | Step-Up CD3 | Bump-Up CD4 | No-penalty CD2 | MEGA CD / IRA5 | |
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Account Overview |
Get a fixed rate on terms from 91 days to 5 years. | Guarantee rate increases and access your money with one penalty-free withdrawal. | Bump your rate to the current, higher interest rate once during the term. | Access your money for unexpected expenses once without penalty. | Get one of the highest local rates with our premier CD — It goes great with MEGA Checking! |
| Minimum Opening Deposit | $500 for CD $100 for IRA |
$500 |
$500 |
$5,000 |
$5,000 |
| Early Withdrawal Penalty1 |  |
Waived on 1 (one) withdrawal after account has been open 12 months |
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Waived on 1 (one) withdrawal after account has been open 14 days |
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| VCB Checking Account Required | |
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| FREE Online Banking and Mobile Banking | |
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View a complete list of our consistently high Deposit Rates.
You can read our Banking Services Agreement.
Open a CD with a great rate today; call (877) 822-5015 or use our locator to find a conveniently located branch and to experience our outstanding customer service.
How can you access FDIC insurance on your large-dollar deposits? CDARS might have the right benefits for you.
1. Principal and interest must remain on deposit for entire term to avoid fees.
2. A penalty may be imposed for early withdrawal of the CD or IRA. Available to entities eligible to maintain interest bearing accounts and all individuals.
3. Interest rate and APY for the three 12-month periods are established at account opening and fixed for the full term. Additional withdrawals are subject to standard penalties. Requires a VCB checking account. If required checking account is new, minimum opening deposit is $500. Available to entities eligible to maintain interest bearing accounts and all individuals.
4. Upon request, a one-time rate adjustment to the then-current standard 48-month CD rate will be made and will apply for the remainder of the term. Requires a VCB checking account. If required checking account is new, minimum opening deposit is $500. A penalty may be imposed for early withdrawal of the CD. Available to entities eligible to maintain interest bearing accounts and all individuals.
5. MEGA CD requires a VCB checking account. If required checking account is new, minimum opening deposit is $1,000. A penalty may be imposed for early withdrawal of the CD. Available to entities eligible to maintain interest bearing accounts and all individuals. Limit one per household.
