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True Savings Account

  • Set aside for something specific or simply a rainy day
  • Competitive interest on entire balance1
  • Free digital banking
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Youth Savings Account

  • Start your child off on the right financial foot
  • Competitive interest on entire balance1
  • Free digital banking
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Christmas Club Account

  • Set aside little by little, year-round for holiday-related expenses
  • Competitive interest on entire balance1
  • Make deposits at any time, in any amount you feel comfortable with
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Money Market Account

  • Competitive, tiered rates — higher balances earn higher rates1
  • Enhanced access to funds, including direct check writing
  • Free digital banking services
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Certificates of Deposit (CDs)

  • Earn interest higher than standard savings
  • Wide range of terms available, from 3 months to 5 years
  • No setup or maintenance fees
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Individual Retirement Accounts (IRAs)

  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options available
  • No setup or monthly fees
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Current interest rates and annual percentage yield may be obtained by calling a bank. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

What Do Our Neighbors Think?

Exchange Bank & Trust offers us that small town flavor with a national reach.

Testimonials