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Rate Sheet


Checking Accounts

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

TypeInterest RateAPY
Earnie Now0.05%0.05%
Market-Watch $0.00-$9,999.990.00%0.00%
Market-Watch $10,000.00-$49,999.990.10%0.10%
Market-Watch $50,000.00-$99,999.990.15%0.15%
Market-Watch $100,000.00 and over0.25%0.25%
Rates may change after the account is opened.


Savings Account Rates

Helping you watch your money grow!

Type Interest Rate APY
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 APY
30-89 day CD 0.05% 0.05%
3 Month CD 0.10% 0.10%
6 Month CD 0.15% 0.15%
1 Year 0.20% 0.20%
2 Year 0.30% 0.30%
3 Year 0.50% 0.50%
4 Year 0.70% 0.70%
5 Year 1.00% 1.01%
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 APY
6 MONTH IRA / ROTH 0.15% 0.15%
18 MONTH IRA / ROTH TDOA 0.90% 0.90%
1 YEAR IRA / ROTH 0.20% 0.20%
2 YEAR IRA / ROTH 0.30% 0.30%
3 YEAR IRA / ROTH 0.50% 0.50%
4 YEAR IRA / ROTH 0.70% 0.70%
5 YEAR IRA / ROTH 1.00% 1.01%
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: 7/27/2015

APY = Annual Percentage Yield