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Exchange Bank and Trust Company

Savings & CDs

Savings Accounts

 

Regular Savings

 
  • $100.00 to Open
  • $5.00 quarterly fee if balance falls below $300.00
  • Six withdrawals per quarter and a $2.00 charge per withdrawal thereafter
  • $7.50 monthly dormant inactivity fee if balance falls below $100.00
** This account is FREE to minors, however, withdrawal limitations still apply.**

Cash for College (UTMA)

 
  • $100.00 to Open
  • $3.00 quarterly fee if balance falls below $100.00 and interest rate reduces to regular savings rate
  • Penalty for early withdrawal
  • Account Maturity at child's 18th Birthday
  • Interest Bearing Account

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: 02/15/2019
Type Interest Rate/APY
3 Month ($1,000)-$24,999
1.400%/1.41%
- $25,000-$99,999
1.450%/1.46%
- $100,000 & Over
1.550%/1.56%
6 Month ($1,000-$24,999) 1.500%/1.26%
- $25,000-$99,999
1.550%/1.56%
- $100,000 & Over
1.650%/1.66%
1 Year ($1,000-$24,999)
1.650%/1.66%
- $25,000-$99,999
1.700%/1.71%
- $100,000 & Over
1.800%/1.81%
13 Month Add on CD ($2,500-$24,999)
1.700%/.1.71%
17 Month ($1,000 & OVER)
1.896%/1.91%
18 Month ($1,000-$24,999) 
1.850%/1.86%
- $25,000-$99,999 1.900%/1.91%
- $100,000 & Over 2.000%/2.02%
24 Month ($1,000-$24,999)
1.950%/1.96%
- $25,000-$99,999
2.000%/2.02%
- $100,000 & Over
2.100%/2.12%
36 Month (Escalator CD) ($1,000-$24,999)
2.050%/2.07%
- $25,000-$99,999
2.100%/2.12%
- $100,000 & Over
2.200%/2.22%
48 Month ($1,000-$24,999)
2.350%/2.37%
- $25,000-$99,999
2.400%/2.42%
- $100,000 & Over
2.500%/2.52%
60 Month ($1,000-$24,999)
2.550%/2.57%
- $25,000-$99,999
2.600%/2.63%
- $100,000 & Over
2.700%/2.73%
7-31 Day ($25,000 MIN) 0.500%/0.50%
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.