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Rates

Fees could reduce the earnings on the account. Interest rates and annual percentage yields are current as of March 22nd 2021 and are subject to change without notice. Certain restrictions may apply. See your branch professional for further details, terms and conditions. For current rate information please call Bank of Botetourt at 540-591-5000. Member FDIC.

Checking and Savings Accounts

Effective Date: 08/04/22

Account Type	Daily Balance of:	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rates	Annual Percentage Yield
Everyday Banking^*				N/A	N/A
Alliance Banking*	$1,250.00	$50.00	$1,250.00	0.10%	0.10%
Timeless Banking*	$750.00	$50.00	$750.00	0.05%	0.05%

Money Market*	$2,500.00	$2,500.00
	$2,500.00 - 9,999.99			0.15%	0.15%
	$10,000.00 - 24,999.99			0.15%	0.15%
	$25,000.00 - 99,999.99			0.25%	0.25%
	$100,000.00 - 249,999.99			0.25%	0.25%
	$250,000.00 and up			0.30%	0.30%
Personal Savings^*	$100.00	$0.00	$100.00	0.15%	0.15%
Club Savings^*	$100.00	$0.00		0.15%	0.15%
Kids$ave (Children's Savings)^*	up to $2,499.99	$0.00	$1.00	0.50%	0.50%
	$2,500.00 and up	$0.00		0.15%	0.15%

* Interest Rates and Annual Percentage Yields are subject to change without notice or posting here. For current rate information call 540-591-5000. Fees could reduce earnings on the account

Learn more about our Personal Banking Options

Certificates of Deposit and IRA's

Effective Date: 11/25/24

Account Type	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rates	Annual Percentage Yield
Certificate of Deposit 10 Month Special****	$2,500.00	$2,500.00	4.00%	4.01%****
Certificate of Deposit 5 Month Special*****	$2,500.00	$2,500.00	4.30%	4.35%*****
Certificate of Deposit 1 Year	$500.00	$500.00	0.50%	0.50%
Certificate of Deposit 1 Year - No Penalty	$5,000.00	$5,000.00	1.00%	1.00%
Certificate of Deposit 18 Months	$2,500.00	$500.00	0.55%	0.55%
Certificate of Deposit 24-Month^*	$500.00	$500.00^***	0.65%	0.65%
Certificate of Deposit 30 Months^*	$2,500.00	$2,500.00^***	0.70%	0.70%
Certificate of Deposit 3 year^*	$500.00	$500.00^***	0.75%	0.75%
Certificate of Deposit 4 year^*	$500.00	$500.00^***	0.90%	0.90%
Certificate of Deposit 5 year^*	$500.00	$500.00^***	1.00%	1.00%
Stepping Stone 3 Year^**	$2,500.00	$2,500.00^***	0.75%	0.75%
Stepping Stone 5 Year^**	$2,500.00	$2,500.00^***	1.00%	1.00%
24-Month IRA Special*	$100	$100***	4.00%	4.05%
1 Year IRA^*	$100.00	$100.00^***	0.55%	0.55%
2 Year IRA^*	$100.00	$100.00^***	0.65%	0.65%
3 Year IRA^*	$100.00	$100.00^***	0.85%	0.85%
4 year IRA^*	$100.00	$100.00^***	1.00%	1.00%
5 year IRA^*	$100.00	$100.00^***	1.10%	1.10%

* A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account
** Interest Rates and Annual Percentage Yields are subject to change without notice. The Stepping Stone CD can be bumped one time up to 1% within the term of the CD based on the current 36-month and 60-month Stepping Stone board rate.
***Daily Balance. The amount of the principal in the account each day.
****Interest is compounded and paid at maturity. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings. 10-month CD offer is valid for consumer and commercial customers.

*****Interest is compounded and paid at maturity. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings.5-Month CD offer is valid for consumer and commercial customers.

Annual Percentage Yield (APY) is accurate as of 09/25/24 and is subject to change without notice.

Learn more about our Certificates of Deposit

Vehicle Loan Rates

We can make the car-buying process hassle free. We provide competitive rates, quick approvals, and customer discounts. For more information, please call 540-591-5000 or visit any of our convenient offices. Our knowledgeable, experienced lenders will assist you in determining the best borrowing option for your circumstances and tailor a loan that will be a perfect fit for you.

VISA^® Credit Card

Effective Date: 08/04/2022

Account Type	Classic VISA^®	Platinum VISA^®	Business Platinum VISA^®
Annual Percentage Rate for Purchases	18.00%	10.80%	10.80%
Grace Period for Purchases	25 Days^*	25 Days^*	25 Days^*
Balance Calculation Method for Purchases	The finance charge is calculated on the average daily balance (including new transactions).
Annual Fees	$0 per year	$0 per year	$0 per year
Transaction Fee for Cash Advances and Fees for Paying Late	Late-Payment Fee: $25.00 Cash Advance Fee: 3% A finance charge will be assessed on cash advances from the date of the cash advance, or the first day of the billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.

*A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit purchases posted to your account, and subtracting any payments as received any credits as posted to your account, but excluding any unpaid Finance Charges.

Learn more about our Visa Card Options

To obtain the most accurate and up-to-date rate quotes, give us a call at 540-591-5000 or stop by one of our convenient locations. Our smiling employees will be glad to assist you over the phone or in person.

Personal Banking Services

Business Checking and Savings Accounts

Effective Date: 09/28/22

Account Type	Daily Balances of:	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rates	Annual Percentage Yield
Business Interest Banking^*			$5,000.00^**	0.05%	0.05%
Business Money Market^*		$2,500.00	$2,500.00^**
	$2,500.00 - 49,999.99			0.15%	0.15%
	$50,000.00 - 99,999.99			0.25%	0.25%
	$100,000.00 - 249,999.99			0.30%	0.30%
	$250,000.00 - 999,999,999			0.30%	0.30%
	$1,000,000.00 and up			0.35%	0.35%
Business Savings^*		$100.00	$100.00^***	0.15%	0.15%

* Interest Rates and Annual Percentage Yields are subject to change without notice or posting here. For current rate information call 540-591-5000. Fees could reduce earnings on the account
**Required Average Monthly Balance.
***Daily Balance. The amount of the principal in the account each day.

Learn more about our Business Banking Options

Business Certificates of Deposit

Effective Date: 11/04/22

Account Type	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rates	Annual Percentage Yield
Certificate of Deposit 18-Month Special****	$2,500.00	$2,500.00	0.55%	0.55%***
CD's Less than 1 Year^*	$2,500.00	$2,500.00^**	0.40%	0.40%
CD's 1 Year^*	$500.00	$500.00^**	0.50%	0.50%
CD's 2 Year^*	$500.00	$500.00^**	0.65%	0.65%
CD's 30 Months^*	$500.00	$500.00^**	0.70%	0.70%
CD's 3 Year^*	$500.00	$500.00^**	0.75%	0.75%
CD's 4 Year^*	$500.00	$500.00^**	0.90%	0.90%
CD's 5 year^*	$500.00	$500.00^**	1.00%	1.00%

*A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account
**Daily Balance. The amount of the principal in the account each day.
***Interest is compounded quarterly. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings.

To obtain the most accurate and up-to-date rate quotes, give us a call at 540-591-5000 or stop by one of our convenient locations. One of our dedicated employees will be happy to assist you over the phone or in person.

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If you don't see what you're looking for, or if you have additional questions, just give us a call at 540-591-5000 or stop by one of our convenient locations. One of our dedicated employees will be happy to assist you over the phone or in person.

Rates

Checking and Savings Accounts

Certificates of Deposit and IRA's

Vehicle Loan Rates

VISA® Credit Card

Business Checking and Savings Accounts

Business Certificates of Deposit

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Important Info

VISA^® Credit Card