Apply With Us
Find the Exchange Bank checking account that's right for you!
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: October 15, 2025
| Type | Interest Rate/APY |
|---|---|
| 3 Month ($1,000)-$24,999 |
3.600%/3.65% |
| - $25,000-$99,999 |
3.650%/3.70% |
| - $100,000 & Over |
3.700%/3.75% |
| 6 Month ($1,000-$24,999) | 3.700%/3.75% |
| - $25,000-$99,999 |
3.750%/3.80% |
| - $100,000 & Over |
3.800%/3.85% |
| 1 Year ($1,000-$24,999) |
3.750%/3.80% |
| - $25,000-$99,999 |
3.800%/3.85% |
| - $100,000 & Over |
3.850%/3.90% |
| 13 Month Add on CD |
3.690%/3.74% |
| 18 Month ($1,000-$24,999) |
3.500%/3.55% |
| - $25,000-$99,999 | 3.600%/3.65% |
| - $100,000 & Over | 3.700%/3.75% |
| 24 Month ($1,000-$24,999) |
3.500%/3.55% |
| - $25,000-$99,999 |
3.600%/3.65% |
| - $100,000 & Over |
3.700%/3.75% |
| 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) | 2.750%/2.78% |
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