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Rate Sheet



Checking 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%
Market-Watch $0.00-$9,999.99 0.00% 0.00%
Market-Watch $10,000.00-$49,999.99 0.10% 0.10%
Market-Watch $50,000.00-$99,999.99 0.15% 0.15%
Market-Watch $100,000.00 and over 0.25% 0.25%
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: 10/15/2018

APY = Annual Percentage Yield 





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