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Find the Exchange Bank checking account that's right for you!
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 |
1.350%/1.36% |
| - $25,000-$99,999 |
1.400%/1.41% |
| - $100,000 & Over |
1.500%/1.51% |
| 6 Month ($1,000-$24,999) | 1.450%/1.46% |
| - $25,000-$99,999 |
1.500%/1.51% |
| - $100,000 & Over |
1.600%/1.61% |
| 1 Year ($1,000-$24,999) |
1.600%/1.61% |
| - $25,000-$99,999 |
1.650%/1.66% |
| - $100,000 & Over |
1.700%/1.71% |
| 13 Month Add on CD ($2,500-$24,999) |
1.700%/.1.71% |
| 17 Month ($1,000 & OVER) |
1.750%/1.76% |
| 18 Month ($1,000-$24,999) |
1.650%/1.66% |
| - $25,000-$99,999 | 1.700%/1.71% |
| - $100,000 & Over | 1.800%/1.81% |
| 24 Month ($1,000-$24,999) |
1.750%/1.76% |
| - $25,000-$99,999 |
1.800%/1.81% |
| - $100,000 & Over |
1.900%/1.91% |
| 36 Month (Escalator CD) ($1,000-$24,999) |
1.900%/1.91% |
| - $25,000-$99,999 |
2.000%/2.02% |
| - $100,000 & Over |
2.100%/2.12% |
| 48 Month ($1,000-$24,999) |
2.100%/2.12% |
| - $25,000-$99,999 |
2.150%/2.17% |
| - $100,000 & Over |
2.250%/2.27% |
| 60 Month ($1,000-$24,999) |
2.100%/2.12% |
| - $25,000-$99,999 |
2.150%/2.17% |
| - $100,000 & Over |
2.250%/2.27% |
| 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