Personal Banking
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Checking

Basic Personal Checking
A personal checking account designed for the individual.

Features: Unlimited check writing, free emailed monthly statements.

Senior Checking
A personal checking account for those customers 55 years of age or older.

Features: Unlimited check writing and no minimum daily balace requirements.

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Interest Checking

Personal Interest Checking
A personal checking account that earns interest and allows 20 debits and 20 credits per month.

Features: 20 debits and 20 credits per statement cycle at no charges.

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Money Market Accounts

Personal Money Market
An interest-earning account with competitive interest rates.
Features: This account allows up to 6 withdrawals per statement cycle.
 

Personal Investment Money Market
An interest-earning account with higher competitive interest rates.
Feature: This account allows up to 6 withrawals per statement cycle.  

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Savings

Personal Savings
An interest-earning savings account with competitive interest rates

Features: This account allows up to 6 withdrawals per statement cycle.  
 

Premier Personal Savings
An interest-earning savings account paying competitive interest rates for higher balances.

Features: This account allows up to 6 withdrawals per statement cycle. 

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Certificate of Deposit

Certificate of Deposit
Minimum Opening Balance: $1,000.
Features: An interest-earning account with guaranteed fixed rates and a wide range of terms and interest payment options.
Grace Period:

  • For accounts with a term of less than 30 days, there is a 7-day grace period following the maturity date before the account will automatically renew; early withdrawal penalties may apply following the grace period.
  • For accounts with a term 30 days or greater, there is a 10-day grace period following the maturity date before the account will automatically renew: early withdrawal penalties may apply following the grace period.

Early Withdrawal Penalties:

  • Original maturity under 30 days, the penalty is forfeiture of three months' interest.
  • Original maturity 30 days to one year, the penalty is forfeiture of three months' interest.
  • Original maturity greater than one year, the penalty is forfeiture of six months' interest.
Individual Retirement Accounts (IRA's)

Individual Retirement Accounts
Minimum Opening Balance: $500
Available Terms: 1 year, 18 months, 2 years, and 3 years
Early Withdrawal Penalties:

  • Original maturity under 30 days, the penalty is forfeiture of three months' interest.
  • Original maturity 30 days to one year, the penalty is forfeiture of three months' interest.
  • Original maturity greater than one year, the penalty is forfeiture of six months' interest.
Loans

Construction Loans
Build your dream home! Since your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently.