Minimum Opening Deposit	Minimum Balance to Earn Annual Percentage Yield (APY)a	Interest Rate	APY
MEGA CDsb,c,d 48 months 60 months	$5,000	$0.01	1.00% 1.24%	1.00% 1.25%
MEGA Checkinge – Rewards Ratef	$100	$0.01	0.20% 0.40%	0.20% 0.40%
MEGA Money Marketc,e	$100	$1,000,000.00+	0.40%	0.40%
		$100,000.00 – $999,999.99	0.30%	0.30%
		$25,000.00 – $99,999.99	0.10%	0.10%
		$0.01 – $24,999.99	0.10%	0.10%
MEGA Savingsc,e	$100	$100,001.00+	0.30%	0.30%
		$10,000.00 – $100,000.99	0.20%	0.20%
		$0.01 – $9,999.99	0.10%	0.10%

CDs and IRAs	Minimum Opening Deposit		Minimum Balance   to Earn APYa	Interest Rate	APY
	CDs	IRAs
3 to < 6 monthsb	$500	$100	$0.01	0.10%	0.10%
6 months to < 1 yearb	$500	$100	$0.01	0.20%	0.20%
1 year < 18 monthsb	$500	$100	$0.01	0.35%	0.35%
18 months to < 2 yearsb	$500	$100	$0.01	0.40%	0.40%
2 years to < 30 monthsb	$500	$100	$0.01	0.50%	0.50%
30 months to < 3 yearsb	$500	$100	$0.01	0.55%	0.55%
3 years to < 4 yearsb	$500	$100	$0.01	0.75%	0.75%
4 years to < 5 yearsb	$500	$100	$0.01	0.90%	0.90%
5 yearsb	$500	$100	$0.01	1.00%	1.00%
12 Month No Penalty CDg	$5,000	–	$0.01	0.20%	0.20%
36 Month Step-Up CDh First 12 months Second 12 months Third 12 months	$500	$100	$0.01	– 0.50% 1.00% 1.50%	1.00% – – –
48 Month Bump-Up CDi	$500	$100	$0.01	0.90%	0.90%

	Minimum Opening Deposit	Minimum Balance to Earn APYa	Interest Rate	APY
Money Markete	$100	$50,000.00+	0.10%	0.10%
		$25,000.00 – $49,999.99	0.10%	0.10%
		$0.01 – $24,999.99	0.10%	0.10%

	Minimum Opening Deposit	Minimum Balance to Earn APYa	Interest Rate	APY
Premier Interest Checkingj	$100	–	0.30%	–
Medallion Checkinge – Rewards Ratef	$100	$0.01	0.10% 0.20%	0.10% 0.20%
Interest Checkinge and Business Interest Checking	$100	$0.01	0.10%	0.10%

Minimum Opening Deposit Minimum Balance to Earn APYa Interest Rate APY Savingse $100 $0.01 0.10% 0.10% Escrow Manager Savingsk $100 $0.01 0.10% 0.10% VCBee Savingsl – up to $10,000.00 2.47% 2.50% $10,000.01+ 0.10% 0.10%

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a) The minimum balance is the minimum amount of the principal in the account each day. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. Minimum opening deposit requirements apply.
b) A penalty may be imposed for early withdrawal.
c) Requires a VCB MEGA Checking account. If required checking account is new, opening deposit must be at least $1,000. For businesses, any VCB Business Checking account would satisfy eligibility for the stated APYs for MEGA Money Market and MEGA Savings accounts.
d) If any other VCB Consumer Checking account other than MEGA Checking is opened, the MEGA CD APY for all terms would be 0.10% lower. For businesses, any VCB Business Checking account would satisfy eligibility for the stated APYs for MEGA CD.
e) This is a variable rate account. The interest rate and APY may change after account opening. Available to entities eligible to maintain interest bearing accounts and all individuals.
f) This is a variable and conditional rate account.The Rewards Rate applies when 5 or more transactions are completed and posted to the account during the monthly statement period. Returned items, interest, maintenance fees and services fees do not qualify towards this condition.
g) Permits one penalty-free withdrawal after the account has been opened for 14 days. Additional withdrawals are subject to standard penalties.
h) Interest rate and APY for the three 12-month periods are established at account opening and fixed for the full term. Permits one penalty-free withdrawal after the account has been opened for 12 months. Additional withdrawals are subject to standard penalties. Requires a VCB checking account. If required checking account is new, minimum opening deposit is $500. MEGA and Medallion Checking bonus rates do not apply.
i) 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. MEGA and Medallion Checking bonus rates do not apply.
j) This is a variable rate account. The interest rate may change after account opening. The balances in excess of the amount required to offset fees earn the stated interest rate. Available to eligible entities only. Ask for details.
k) This is a variable rate account. The interest rate and APY may change after account opening. Available to entities eligible to maintain interest bearing accounts. The Escrow Manager Savings account is not available to individuals.
l) This is a variable rate account. The interest rate and APY may change after account opening. Available for children under age 18 and limited to one account per child.

Fees could reduce the earnings on the account. Deposits of $3 million or more are subject to management approval. Interest Rates and Annual Percentage Yields are current as of January 25, 2013. For additional information, call (877) 822-5015. Member FDIC.