Rates & Fees

National Bank Deposit Rates

Interest rates on deposit accounts as of May 27, 2025. 
 
* Indicates variable rate account. The interest rate and annual percentage yield for all variable rate accounts may change after the account is opened. Account fees could reduce earnings on an account.
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Term Annual Percentage Yield (APY) Interest Rate
6 Months 3.91% 3.87%
12 Months 3.64% 3.58%
 
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Account Annual Percentage Yield (APY) Interest Rate
Primeline Checking* 0.02% 0.02%
Preferred Interest Checking (balance less than $2,500)* 0.02% 0.02%
Preferred Interest Checking (balance $2,500 or more)* 0.04% 0.04%
Savings* 0.03% 0.03%
Holiday Club* 0.02% 0.02%
Health Savings Account (balance less than $2,500)* 0.02% 0.02%
Health Savings Account (balance $2,500 or more)* 0.04% 0.04%
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Term Annual Percentage Yield  Interest Rate
90 days 0.50% 0.50%
6 months 0.75% 0.75%
12 months 1.16% 1.15%
18 months 2.07% 2.05%
24 months 2.17% 2.15%
36 months 2.84% 2.80%
48 months 2.94% 2.90%
60 months 3.07% 3.02%
 
Existing CDs do not automatically renew at special rates.Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Term Annual Percentage Yield (APY) Interest Rate
12 months 1.16% 1.15%
18 months 2.07% 2.05%
24 months 2.17% 2.15%
36 months 2.84% 2.80%
60 months 3.07% 3.02%
 
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY. 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.15% 0.15%
$10,000.00-$24,999.99 0.30% 0.30%
$25,000.00-$49,999.99 0.40% 0.40%
$50,000.00-$99,999.99 0.70% 0.70%
$100,000.00 + 0.92% 0.92%
 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.20% 0.20%
$10,000.00-$24,999.99 0.35% 0.35%
$25,000.00-$49,999.99 0.42% 0.42%
$50,000.00-$99,999.99 0.75% 0.75%
$100,000.00 + 0.98% 0.98%

Roanoke Office Deposit Rates

Interest rates on deposit accounts as of May 30, 2025. 
 
* Indicates variable rate account. The interest rate and annual percentage yield for all variable rate accounts may change after the account is opened. Account fees could reduce earnings on an account.
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Term Annual Percentage Yield (APY) Interest Rate
6 Months 4.09% 4.05%
12 Months 3.64% 3.58%
 
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Account Annual Percentage Yield (APY) Interest Rate
Primeline Checking* 0.02% 0.02%
Preferred Interest Checking (balance less than $2,500)* 0.02% 0.02%
Preferred Interest Checking (balance $2,500 or more)* 0.04% 0.04%
Savings* 0.03% 0.03%
Holiday Club* 0.02% 0.02%
Health Savings Account (balance less than $2,500)* 0.02% 0.02%
Health Savings Account (balance $2,500 or more)* 0.04% 0.04%
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Term Annual Percentage Yield  Interest Rate
90 days 0.50% 0.50%
6 months 0.75% 0.75%
12 months 1.16% 1.15%
18 months 2.07% 2.05%
24 months 2.17% 2.15%
36 months 2.84% 2.80%
48 months 2.94% 2.90%
60 months 3.07% 3.02%
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Term Annual Percentage Yield (APY) Interest Rate
12 months 1.16% 1.15%
18 months 2.07% 2.05%
24 months 2.17% 2.15%
36 months 2.84% 2.80%
60 months 3.07% 3.02%
 
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY. 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.30% 0.30%
$10,000.00-$24,999.99 0.72% 0.72%
$25,000.00-$49,999.99 0.84% 0.84%
$50,000.00-$99,999.99 1.16% 1.15%
$100,000.00 + 1.81% 1.80%
 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.40% 0.40%
$10,000.00-$24,999.99 0.77% 0.77%
$25,000.00-$49,999.99 0.91% 0.91%
$50,000.00-$99,999.99 1.26% 1.25%
$100,000.00 + 1.92% 1.90%

Waynesboro, Staunton, and Lynchburg Office Deposit Rates

Interest rates on deposit accounts as of July 7, 2025. 
 
* Indicates variable rate account. The interest rate and annual percentage yield for all variable rate accounts may change after the account is opened. Account fees could reduce earnings on an account.
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Term Annual Percentage Yield (APY) Interest Rate
6 Months 4.06% 4.02%
12 Months 3.75% 3.68%
 
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Account Annual Percentage Yield (APY) Interest Rate
Primeline Checking* 0.02% 0.02%
Preferred Interest Checking (balance less than $2,500)* 0.02% 0.02%
Preferred Interest Checking (balance $2,500 or more)* 0.04% 0.04%
Savings* 0.03% 0.03%
Holiday Club* 0.02% 0.02%
Health Savings Account (balance less than $2,500)* 0.02% 0.02%
Health Savings Account (balance $2,500 or more)* 0.04% 0.04%
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Term Annual Percentage Yield  Interest Rate
90 days 0.50% 0.50%
6 months 0.75% 0.75%
12 months 1.16% 1.15%
18 months 2.32% 2.30%
24 months 2.38% 2.35%
36 months 2.84% 2.80%
48 months 2.94% 2.90%
60 months 3.06% 3.02%
 
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
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Term Annual Percentage Yield (APY) Interest Rate
12 months 3.75% 3.68%
18 months 2.32% 2.30%
24 months 2.38% 2.35%
36 months 2.84% 2.80%
60 months 3.06% 3.02%
 
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY. 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.15% 0.15%
$10,000.00-$24,999.99 0.30% 0.30%
$25,000.00-$49,999.99 0.40% 0.40%
$50,000.00-$99,999.99 0.70% 0.70%
$100,000.00 + 0.92% 0.92%
 
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Daily Balance Annual Percentage Yield (APY) Interest Rate
0-$9,999.99 0.20% 0.20%
$10,000.00-$24,999.99 0.35% 0.35%
$25,000.00-$49,999.99 0.42% 0.42%
$50,000.00-$99,999.99 0.75% 0.75%
$100,000.00 + 0.98% 0.98%

Service Fees

Effective March 1, 2024
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Description
Fee
Return Item Charge
$38.00
Overdraft Item Charge (per item)
$38.00
    Maximum per day - Consumer
$228.00
    Maximum per day - Commercial
$456.00
Return Deposit Item
$10.00
Stop Payment
$38.00
Cashier's Check
$10.00
Savings Overdraft Charge
$38.00
CD/IRA Early Withdrawal Penalty
Terms less than or equal to 12 months - 3 months of interest
 
Terms greater than 12 months - 6 months of interest
IRA Transfer (external)
$75.00
Holiday Club Early Closing
$15.00 & loss of interest
Early Closing Fee (within 90 days)
$25.00
Undeliverable Statement
$5.00
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ATM Transactions (per use)
Fee
Non-National Bank ATM
$2.00
Non-customer at National Bank ATM
$3.00
Replacement Check Card
$10.00
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Description
Fee
Incoming - Domestic
$15.00
Outgoing - Domestic
$30.00
Outgoing - Primeline/Plus Package
$15.00
Outgoing - International
$75.00
Incoming - International
$20.00
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Description
Fee
Garnishments/Liens
$150.00
Collection Item
$35.00
Deposit/Loan Verification
$10.00
Letter of Verification (Real Estate)
$10.00
Check/Document Copy (per hour)
$50.00
Statement Copy
$10.00
Account Research (per hour)
$50.00
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Size (inches)
Rental (yearly)
2 x 5
$30.00
2.5 x 5
$35.00
3 x 5
$35.00
4 x 5
$40.00
5 x 5
$50.00
3 x 10
$50.00
4 x 10
$55.00
5 x 10
$70.00
6 x 10
$70.00
6 x 11.5
$70.00
10 x 10
$125.00
12 x 12
$125.00
16 x 15.5
$150.00
Locker
$150.00
Key Replacement
$25.00
Drilling Fee
$300.00
Late Payment Fee $25.00