Current Interest Rates

Checking

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
ADB Club$500.13%.13%
Business NOW$1,500.16%.16%
Health Savings Account (HSA)$5.16%.16%

Savings

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
Statement$100.16%.16%
Cow Bank$5.16%.16%
Christmas Club$5.16%.16%

Money Market

AmountInterest RateAnnual Percentage Yield (APY*)
$1,500 - $14,999.14%.14%
$15,000 - $49,999.17%.17%
$50,000 - $499,999.25%.25%
$500,000 - $999,999.36%.36%
$1,000,000 - Up.40%.40%

Time Certificates of Deposit

$500 minimum to obtain APY

TermInterest RateAnnual Percentage Yield (APY*)
3 Month.27%.27%
6 Month.52%.52%
12 Month.71%.71%
18 Month.91%.91%
24 Month1.26%1.27%
30 Month1.29%1.29%
36 Month1.49%1.50%
48 Month1.85%1.86%
60 Month1.90%1.91%
*Interest rates effective as of 12/1/2016, and may change at any time.

  • For variable interest rate accounts, interest rates may change after account opening
  • Account fees may reduce earnings
  • Penalties may apply for early withdrawal of funds from Time Certificate of Deposit accounts
  • Please refer to account disclosures at Adams Dairy Bank for more details
  • The Annual Percentage Yield (APY) on Savings accounts is based on interest compounding quarterly
  • The APY on Checking and Money Market accounts are based on interest compounding monthly
  • The APY on Time Certificate of Deposit accounts is based on interest compounding semi-annually
    • The APY assumes interest and principal will remain on deposit until maturity
    • A penalty may be imposed for early withdrawals