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Rate Page Deposits
APY* - Annual Percentage Yield



Deposit Rates

Rates effective as of May 20, 2014

Rates may change after the account is opened.
Fees may reduce earnings on the account



Balance to OpenAccount NameInterest RateAPY*Balance to obtain APY*
$1,000.00Now Account0.15%0.15%$500.00
$100.00Classic 550.15%0.15%$100.00
$2,500.00Money Market0.15%0.15%$0.00
$10,000.00Super Money Market0.25%0.25%$0.00
$100.00Regular Savings0.15%0.15%$100.00
$100.00VIP Relationship0.15%0.15%$0.00

CD Rates

Opening Deposit - $500.00
A penalty may be imposed for early withdrawal.

Account NameInterest RateAPY*
91 Day CD0.10%0.10%
182 Day CD0.25%0.25%
VIP 182 Day CD*0.38%0.38%
1 Year CD0.30%0.30%
VIP 1 Year CD*0.43%0.43%
2 Year CD0.40%0.40%
3 Year CD0.50%0.50%
4 Year CD0.60%0.60%
5 Year CD0.65%0.65%
VIP 5 Year CD*0.78%0.78%

*Requires VIP Relationship Account


IRA Rates

Opening Deposit - $100.00
A penalty may be imposed for early withdrawal.

Account NameInterest RateAPY*
6 Month IRA0.25%0.25%
18 Month IRA0.40%0.40%
5 Year IRA0.75%0.75%

Automobile Loan Rates

Rates Effective as of January 3, 2014.

Rates offered are not guaranteed and are subject to change without notice

Model YearTermsContract Rate**APR*
2015 - 201160 Months4.399% Fixed Rate4.624%***
2015 - 200848 Months4.399% Fixed Rate4.677%***
2007 - Older36 Months6.759% Fixed Rate7.133%***

* Disclosed Annual Percentage Rates (APR) assume a $17,500 loan with a $95 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. For Example:
A $17,500 loan at 4.399% would require 60 monthly payments of $328.50.
A $17,500 loan at 4.399% would require 48 monthly payments of $402.00.
A $17,500 loan at 6.759% would require 36 monthly payments of $543.50.
** The contract rate (interest rate) will be higher if the payments are not automatically deducted each month from a checking account at Valley State Bank.
*** APR based on credit worthiness for qualified borrowers.

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