APY = Annual Percentage Yield. Rates effective as of 1/1/2025. Rates may change after accounts are opened. Fees may reduce earnings.
Health Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Back to Top
| Product | Interest Rate | APY* |
|---|---|---|
| Business Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Back to Top
| Product | Interest Rate | APY* |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Back to Top
| Product | Interest Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Back to Top
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $500. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash* Back to Top Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.89% | 5.00% |
| $15,000+ | NA | 0.05% | 0.05% |
| All balances if qualifications not met | NA | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 7/1/2024. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 5.00%; and (3) balances over $15,000 earn 0.05% interest rate on the portion of the balance over $15,000. If qualifications are not met on Kasasa Cash, all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, you will still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver* Back to Top Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0 - $100,000 | $0 | 2.96% | 3.00% |
| $100,000+ | $0 | 0.05% | 0.05% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 7/01/2024. Rates may change after account is opened. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $100,000 in Kasasa Saver receive an APY of 3.00%; and (2) balances over $100,000 in Kasasa Saver earn 0.05% interest rate on portion of balance over $100,000, resulting in 0.05% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, you will still earn our base rate. You can get right back to earning your full rewards the very next month.
Golden Advantage Plus Checking Back to Top
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.025% | 0.030% |
| $2,500.00 - $24,999.99 | 0.050% | 0.050% |
| $25,000.00 - $49,999.99 | 0.050% | 0.050% |
| $50,000.00 and Greater | 0.075% | 0.076% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate(s) is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Money Market Tiered Back to Top Learn More
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Municipal Money Market Back to Top Learn More
| Balance | Rate | APY* |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Money Market Back to Top
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $4,999.99 | 0.05% | 0.05% |
| $5,000.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | 0.35% | 0.35% |
| $100,000.00 - $999,999.99 | 0.50% | 0.50% |
| $1,000,000.00 and Greater | 0.65% | 0.65% |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $2,500. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Signature Money Market* Back to Top
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 3.88% | 3.95% |
| $250,000.00 and Greater | 3.88% | 3.95% |
*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.
Certificates of Deposit Back to Top Learn More
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.00% | 1.00% | $1,000 |
| 6 Month | 1.05% | 1.05% | $1,000 |
| 7 - 11 Months | 1.10% | 1.10% | $1,000 |
| 12 - 17 Months | 1.24% | 1.25% | $1,000 |
| 18 - 23 Months | 1.29% | 1.30% | $1,000 |
| 24 - 35 Months | 1.34% | 1.35% | $1,000 |
| 36 - 47 Months | 1.39% | 1.40% | $1,000 |
| 48 - 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months and Longer | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.
Certificate of Deposit Specials Back to Top Learn More
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 5 Months | 4.15% | 4.20% | $1,000 |
| 10 Months | 3.84% | 3.90% | $1,000 |
| 15 Months | 3.80% | 3.85% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month and 10-month term. Ask us for complete details.
Jumbo Certificates of Deposit Back to Top Learn More
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 1 - 2 Months | 1.00% | 1.00% | $100,000 |
| 3 - 5 Months | 1.09% | 1.10% | $100,000 |
| 6 Months | 1.15% | 1.15% | $100,000 |
| 7 - 11 Months | 1.19% | 1.20% | $100,000 |
| 12 Months and Longer | 1.34% | 1.35% | $100,000 |
*Annual Percentage Yield (APY) accurate and effective as of 1/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.
Golden Advantage Certificate of Deposits and Specials Back to Top Learn More
| Term | Interest Rate | APY | Minimum Balance |
| 12 months | 3.94% | 4.00% | $1,000 |
| 30 months | 1.34% | 1.35% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 60 months | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 1/1/25. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Time Account Information: Your account will mature within the stated time period. If you withdraw any of the principal before the maturity date we may impose the following penalties:
- Three (3) months interest for Certificates of Deposit with a term of twelve (12) months or less;
- Twelve (12) months interest for Certificates of Deposit with a term of greater than 12 months to 60 months;
- Eighteen (18) months interest for Special Certificates of Deposit with a term of 57 months;
- Twenty four (24) months interest for Certificates of Deposit with a term of 72 months;
- Thirty (30) months interest for Certificates of Deposit with a term of 84 months;
- Thirty six (36) months interest for Certificates of Deposit with a term of 96 months;
- Forty two (42) months interest for Certificates of Deposit with a term of 108 months;
- Forty eight (48) months interest for Certificates of Deposit with a term of 120 months.
This account will automatically renew solely the Bank's discretion. You will have 10 days after the maturity date to withdraw funds without penalty.