APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 10/7/2025.
Contact us for current rates.
Certificates of Deposit (CDs) Learn More
| Term | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 3 Month | $10,000.00 | 3.99% | 4.05% |
| 6 Month | $1,000.00 | 2.23% | 2.25% |
| 7 Month | $10,000.00 | 3.84% | 3.90% |
| 12 Month | $1,000.00 | 2.97% | 3.00% |
| 14 Month | $25,000.00 | 1.49% | 1.50% |
| 15 Month | $5,000.00 | 3.60% | 3.65% |
| 18 Month | $1,000.00 | 1.74% | 1.75% |
| 24 Month | $1,000.00 | 2.97% | 3.00% |
| 27 Month Jump CD1 | $5,000.00 | 1.05% | 1.06% |
| 30 Month | $1,000.00 | 3.65% | 3.70% |
| 36 Month | $1,000.00 | 2.97% | 3.00% |
| 37 Month Jump CD1 | $5,000.00 | 1.24% | 1.25% |
| 38 Month | $5,000.00 | 1.79% | 1.80% |
| 48 Month | $1,000.00 | 2.72% | 2.75% |
| 48 Month Jump CD1 | $5,000.00 | 1.89% | 1.90% |
| 60 Month | $1,000.00 | 2.48% | 2.50% |
A penalty will be imposed for early withdrawal.
1 The interest rate and APY may change after account opening.
Annual percentage yield assumes interest will remain on deposit.
Jumbo Certificates
| Term | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 15 Month Jumbo CD | $15,000.00 | 3.94% | 4.00% |
| 18 Month Jumbo CD | $25,000.00 | 3.89% | 3.95% |
| 15 Month Jumbo IRA | $15,000.00 | 3.94% | 4.00% |
| 18 Month Jumbo IRA | $25,000.00 | 3.89% | 3.95% |
A penalty will be imposed for early withdrawal.
Annual percentage yield assumes interest will remain on deposit.
IRA Certificates Learn More
| Term | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 3 Month | $10,000.00 | 3.99% | 4.05% |
| 6 Month | $1,000.00 | 2.23% | 2.25% |
| 7 Month | $10,000.00 | 3.84% | 3.90% |
| 12 Month | $1,000.00 | 2.97% | 3.00% |
| 14 Month | $25,000.00 | 1.49% | 1.50% |
| 15 Month | $5,000.00 | 3.60% | 3.65% |
| 18 Month | $1,000.00 | 1.74% | 1.75% |
| 24 Month | $1,000.00 | 2.97% | 3.00% |
| 27 Month Jump IRA Certificate1 | $5,000.00 | 1.05% | 1.06% |
| 30 Month | $1,000.00 | 3.65% | 3.70% |
| 36 Month | $1,000.00 | 2.97% | 3.00% |
| 37 Month Jump IRA Certificate1 | $5,000.00 | 1.24% | 1.25% |
| 38 Month | $5,000.00 | 1.79% | 1.80% |
| 48 Month | $1,000.00 | 2.72% | 2.75% |
| 48 Month Jump IRA Certificate1 | $5,000.00 | 1.89% | 1.90% |
| 60 Month | $1,000.00 | 2.48% | 2.50% |
A penalty will be imposed for early withdrawal.
1 The interest rate and APY may change after account opening.
Annual percentage yield assumes interest will remain on deposit.
Checking & Savings Accounts
| Account | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Interest Checking | $1,000.00 | 0.20% | 0.20% |
| 50 Plus Interest Checking | $1000.00 | 0.20% | 0.20% |
| True Savings | $100.00 | 0.20% | 0.20% |
| Youth Savings | $25.00 | 0.20% | 0.20% |
| Christmas Club | $5.00 | 0.20% | 0.20% |
You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.
The interest rate and APY may change after account opening.
Fees may reduce earnings.
Money Market Learn More
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| up to $9,999.99 | $500 | 0.50% | 0.50% |
| $10,000 - $24,999.99 | $500 | 0.55% | 0.55% |
| $25,000 - $49,999.99 | $500 | 0.80% | 0.80% |
| $50,000 - $99,999.99 | $500 | 0.95% | 0.95% |
| $100,000 - $249,999.99 | $500 | 1.34% | 1.35% |
| $250,000 and greater | $500 | 1.79% | 1.80% |
The interest rate and APY may change after account opening.
Fees may reduce earnings.
Auto Loans Learn More
| Loan Type | APR |
|---|---|
| New & Used Vehicles | as Low as 5.596% |
Example based upon $50,000 loan on 2025 model year vehicle with 48 monthly payments and excellent credit (760+) approved by Exchange Bank & Trust. Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2024. Subject to credit approval. Contact us for details.
Real Estate Loans
| Loan Type | Terms | APR |
|---|---|---|
| Adjustable Rate Mortgages | Up to 25 years | See current rates |
| Construction Loans | up to 9 months | See current rates |
| Home Equity Line of Credit* | 10 years | As low as 6.50% |
* Introductory rate for first 12 months following loan origination. After first 12 months, variable rate loan with annual adjustments. Except for the introductory period, rates will never go below 5.00% APR or exceed 18.00% APR. Current rates are approximately 5.50% APR. Interest rate based upon an interest rate index plus margin rounded to the nearest .125%. Terms of up to 10 years. Contact us for details.