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Rate Sheet



Checking & Money Market Accounts

A variety of accounts to meet your individual needs! Checking Account Details

Type Interest Rate A.P.Y.
Earnie Now 0.05% 0.05%
Prime Investment $0.00-$9,999.99 0.00% 0.00%
Prime Investment $10,000 or more* 1.38% 1.39%
*Prime Investment: Rate is determined by taking 25% of the current New York Prime (NYP) Rate. As of 12/20/18, NYP Rate was 5.50%. Rate adjustments will occur 5 business days following a change in NYP rate, as published in the Wall Street Journal.
Rates may change after the account is opened.


Savings Account Rates

Helping you watch your money grow!

Type Interest Rate A.P.Y.
Statement Savings 0.10% 0.10%
My Health - HSA $0.00-$9,999.99 0.10% 0.10%
My Health - HSA $10,000-$49,999.99 0.15% 0.15%
My Health - HSA $50,000-$99,999.99 0.25% 0.25%
My Health - HSA $100,000.00 and over 0.35% 0.35%
Christmas Savings 0.10% 0.10%
Christmas Savings Plus 0.20% 0.20%
Vacation Savings 0.10% 0.10%
Vacation Savings Plus 0.20% 0.20%

Statement Savings: $100.00 minimum balance, no minimum for GenNEXT customers (ages 18 and under). $2.00 monthly service charge applies if average monthly balance is below $100.00. Limit of 6 transfers or withdrawals each month, by check, debit card, or similar order payable to third-parties.

My Health - HSA: See an OVB Account Services Representative for an HSA eligibility brochure. $100.00 initial deposit required. New Account Set-up Fee of $10.00. A $5.00 quarterly service fee applies if average quarterly balance is below $100.00

Christmas/Vacation Savings and Savings Plus (Money Mgt.): $20.00 initial deposit required for Savings, $1.00 for Savings Plus. Rates in effect until payout. Early Closeout Fee is $25.00.

Rates may change after the account is opened.


Certificate of Deposit

Click HERE for CD and IRA Specials!

Type Interest Rate A.P.Y.
30-89 day CD 0.50% 0.50%
3 Month CD 0.60% 0.60%
6 Month CD 0.75% 0.75%
1 Year 1.00% 1.01%
2 Year 1.29% 1.30%
3 Year 1.39% 1.40%
4 Year 1.49% 1.50%
5 Year 1.73% 1.75%
All certificates are automatically renewable. $2,500.00 minimum balance. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal. 


Individual Retirement Accounts

Letting your money work so you don't have to!

Type Interest Rate A.P.Y.
6 MONTH IRA / ROTH 0.75% 0.75%
18 MONTH IRA / ROTH TDOA 1.98% 2.00%
1 YEAR IRA / ROTH 1.00% 1.01%
2 YEAR IRA / ROTH 1.29% 1.30%
3 YEAR IRA / ROTH 1.39% 1.40%
4 YEAR IRA / ROTH 1.49% 1.50%
5 YEAR IRA / ROTH 1.73% 1.75%
All I.R.A.s are automatically renewable. $500.00 minimum balance. The annual percentage yields assumes interest will remain on deposit until maturity. A penalty may be imposed for early withdrawal.


 

Note that fees may reduce earnings on the account

Effective Date: 6/10/2019

APY = Annual Percentage Yield 





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