Annual Percentage Yield (APY) accurate as of 5/01/08 and subject to change. MEGA Checking requires a $10,000 average personal checking account balance OR a combined personal deposit relationship of $50,000 must be maintained to obtain yield and avoid a $25 monthly service charge. Fees may reduce earnings. We will waive any overdraft fees but reserve the right to return checks presented against an insufficient balance. VCB will pay all ATM fees, including fees assessed by non VCB ATMs. VCB reserves the right to modify or discontinue the ATM fee waivers at any time. MEGA CD and MEGA Savings are available for both businesses and consumers. 3 - 35 months, 36 - 47 months or 48 - 60 months (pick your term) promotional CD minimum to open and obtain yield is $5,000 and a penalty may be imposed for early withdrawal. If the required checking account is new, opening deposit must be at least $1,000. MEGA Savings APY may change after account opening. Maintain a balance of $10,000 or greater to earn 3.00% APY. If the account balance is below $10,000, the account pays 0.50% APY and is assessed a $10 monthly maintenance fee. Transaction limits apply and fees could reduce earnings. MEGA Savings is limited to one account per household. MEGA Money Market Account is available for both businesses and consumers and requires a VCB checking account. If the required checking account is new, opening deposit must be at least $1,000. MEGA Money Market APY may change after account opening; a balance of less than $25,000 earns 1.00% APY. Maintain a $2,500 minimum balance to avoid a $10 monthly maintenance fee. Transaction limits apply, and fees could reduce earnings. Ask for details. Member FDIC. |