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Exchange Bank and Trust Company

Savings & CDs

Savings Accounts


Regular Savings


  • Interest Bearing Account
  • $100 to Open
  • $5 quarterly fee if balance falls below $300
  • FREE paper statements
  • Six withdrawals per quarter and a $2 charge per withdrawal thereafter
  • $4.00 monthly inactivity fee if account is inactive for 2 years.
  • This account is FREE to minors, however, withdrawal limitations still apply

UTMA Savings 


  • Interest Bearing Account
  • $100 to Open
  • $3 quarterly fee if balance falls below $100 and interest rate reduces to regular savings rate
  • FREE paper statements
  • Penalties will be assessed for early withdrawal
  • Account Maturity at child's 18th Birthday
  • $4.00 monthly inactivity fee if account is inactive for 2 years.

Convenience Services


FREE Internet Banking

Our Internet Banking service is available to you world wide, 24 hours a day, 7 days a week. Check balances, transfer funds, make a loan payment, pay bills and so much more!

FREE Bill Pay

Skip the stamps and pay your bills online with FREE Bill Pay from Exchange Bank.

FREE E-Statements

Help save the Earth... one bank statement at a time with FREE E-Statements! Do your part & live smart!

FREE Telephone Banking

Access your account with your phone at all times with our telephone banking services.

FREE ATM/Debit Card

Open an account with Exchange Bank and receive a FREE ATM/Debit Card.

Certificate of Deposit


Exchange Bank offers a wide selection of CD's ranging from 3 month terms all the way up to 5 year terms. See our current rates here! 


Certificate of Deposit

Last Rate Change: September 20, 2024
Type Interest Rate/APY
3 Month ($1,000)-$24,999
4.450%/4.53%
- $25,000-$99,999
4.550%/4.63%
- $100,000 & Over
4.650%/4.73%
6 Month ($1,000-$24,999) 4.300%/4.37%
- $25,000-$99,999
4.400%/4.47%
- $100,000 & Over
4.500%/4.58%
1 Year ($1,000-$24,999)
4.050%/4.11%
- $25,000-$99,999
4.150%/4.21%
- $100,000 & Over
4.250%/4.32%
13 Month Add on CD 
4.250%/4.32%
18 Month ($1,000-$24,999) 
3.800%/3.85%
- $25,000-$99,999 3.900%/3.96%
- $100,000 & Over 4.000%/4.06%
24 Month ($1,000-$24,999)
3.800%/3.85%
- $25,000-$99,999
3.900%/3.96%
- $100,000 & Over
4.000%/4.06%
36 Month (Escalator CD) ($1,000-$24,999)
3.550%/3.60%
- $25,000-$99,999
3.650%/3.70%
- $100,000 & Over
3.750%/3.80%
48 Month ($1,000-$24,999)
3.550%/3.60%
- $25,000-$99,999
3.650%/3.70%
- $100,000 & Over
3.750%/3.80%
60 Month ($1,000-$24,999)
3.550%/3.60%
- $25,000-$99,999
3.650%/3.70%
- $100,000 & Over
3.750%/3.80%
7-31 Day ($25,000 MIN) 3.000%/3.03%
NOTICE: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates quoted above are subject to change without notice. Please contact a customer service representative for confirmation of current rates and terms.
APY - Annual Percentage Yield
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Apply With Us


Find the Exchange Bank checking account that's right for you!

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Checking


We offer several different checking accounts to meet your needs.