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March 30, 2026

Spring Into Savings at VNB

At Virginia National Bank, it is our mission to invest in the long-term health and stability of our communities. We offer a wide range of Savings accounts designed to align with your financial goals.  

Spring into Savings this season and watch your money GROW!

Spring into Savings at VNB web image

Savings Accounts

Account Learn More Opening Deposit Minimum Balance Maintenance Fee Check Writing and Withdrawals Interest Earned
Personal Savings More $25.00 None No 6 withdrawals per month Yes

PERSONAL SAVINGS

  • Minimum opening deposit of $25
  • Limit of 6 check withdrawal items per month, $10 each if over 6
  • No monthly minimum balance
  • No monthly maintenance fee
  • Market interest rate earned on all balances greater than $100
  • Interest paid monthly
Dogwood Savings More $10.00 None No 6 withdrawals per month Yes

DOGWOOD SAVINGS

  • Minimum opening deposit of $10
  • Minor account - for clients under 18 years of age
  • Limit of 6 withdrawal items per month, $10 each if over 6
  • No monthly minimum balance
  • No monthly maintenance fee
  • Market interest rate earned on all balances greater than $10
  • Interest rate may change
  • Fees may reduce earnings
Money Market Account More $100.00 $1,000.00 Yes if balance under minimum 6 items per month Yes

MONEY MARKET ACCOUNT

  • Minimum opening deposit of $100
  • Limit of 6 check writing and withdrawal items per month, $10 each if over 6
  • $1,000 minimum balance to avoid monthly maintenance fee of $10
  • Interest paid monthly
  • Tiered interest rates
Premium Money Market Account More $100,000.00 $100,000.00 Yes if balance under minimum 6 items per month Yes

PREMIUM MONEY MARKET ACCOUNT

  • Minimum opening deposit of $100,000
  • Limit of 6 check writing and withdrawal items per month, $15 each if over 6
  • $100,000 minimum balance to avoid monthly maintenance fee of $25
  • Interest paid monthly
  • Tiered premium interest rates
Phoenix Account More $1,000.00 $1,000.00 None 10 day grace period after maturity Yes

PHOENIX ACCOUNT

  • Minimum balance of $1,000
  • Deposits permitted at any time
  • Maturity every 90 days
  • 10 day grace period after maturity for withdrawals
  • Automatic renewal
  • Interest paid every 90 days at maturity
  • Early-withdrawal penalty equal to 90 days' forfeiture of interest, regardless if earned
  • Market interest rate is tiered by age of account:
    1-12 months                    Stated initial rate
    13-24 months                  1 year CD rate
    25-36 months                   2 year CD rate
    37 months or longer       3 year CD rate
Certificate of Deposit More $500.00 $500.00 None 10 day grace period after maturity Yes

CERTIFICATE OF DEPOSIT

  • Minimum opening deposit of $500, unless otherwise stated
  • Terms of 3 months to 5 years
  • 10 day grace period after maturity for withdrawals
  • Penalty for early withdrawal, forfeiture of interest, regardless if earned, as follows: 3 months' forfeiture for CD with term of 1 year or less; 6 months' forfeiture for CD with term greater than 1 year
  • Automatic renewal
  • Interest paid quarterly
CDARS® More $10,000 if over $250,000 in other VNB accounts $10,000.00 None Unavailable Yes

CDARS® CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICES®

  • Full FDIC Insurance on CDs up to $50 million
  • Work with 1 bank on all CD deposits from $10,000 to $50,000,000
  • 1 interest rate on CDs placed through CDARS®
  • 1 monthly statement detailing your CD balances
  • Wide variety of maturities ranging from 4 weeks to 5 years

Visit one of our bankers or contact us to open a VNB Savings account today!


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