Vinton County National Bank

Personal Banking

Personal Banking

Click on a category below for product details and options. Please contact us if you have any additional questions.

Checking Accounts
Savings Accounts
Mortgage Loans
Auto and Personal Loans
CDs & IRAs

Current Rates → Let your money grow with our personal investment products and contact us about investing in your future!

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Certificate of Deposit (CD)

A Certificate of Deposit is a great way to save money and earn a higher rate of interest. Simply select the length of time you would like to invest your money and watch your money grow.

Interest accrued to the account will result in higher returns. Individuals may select to have interest credited to another account or a check mailed to them on a regular basis.

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Individual Retirement Account (IRA)

An Individual Retirement Account allows you to save more for your future. Earn interest on your money and continue to contribute to your retirement over time. We offer Traditional, ROTH, SEP and Educational IRA's allowing you to choose what is best for your long term goals. Stop in today and see an account representative to open your IRA.

Educational IRA's

Created as an incentive to help save for future educational expenses a Coverdell Education Savings Account is an excellent way to save for a college or technical school education.

Allowable contributions are made for a beneficiary under age 18 (or of special needs) and are limited by income. Distributions are tax-free as long as they are used for qualified education expenses. Funds may be invested in any of our Certificate of Deposit products.

*Penalty fees may apply to early withdrawal on Certificate of Deposit and IRA accounts.

ATM & Debit Cards
Credit Cards
Gift & Reloadable Cards
Savings Bonds

The Bureau of Public Debt has announced that starting January 1, 2012 financial institutions no longer conduct over-the-counter sales of U.S. Savings Bonds. Series EE and I savings bonds will be available in electronic form only through the online TreasuryDirect Program.

Individuals who currently possess paper savings bonds will be able to redeem them at financial institutions. In addition, paper bonds that have been lost, stolen or destroyed, may be reissued in either paper or electronic form.

Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.