Checking
Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
ADB Club$500.04%.04%
Business NOW$1,500.07%.07%
Health Savings Account (HSA)$5.07%.07%

Savings
Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
Statement$100.07%.07%
Cow Bank$5.07%.07%
Christmas Club$5.07%.07%

Money Market

AmountInterest RateAnnual Percentage Yield (APY*)
$5,000 - $14,999.04%.04%
$15,000 - $49,999.07%.07%
$50,000 - $499,999.15%.15%
$500,000 - $999,999.26%.26%
$1,000,000 - Up.31%.31%

Time Certificates of Deposit

$500 minimum to obtain APY
TermInterest RateAnnual Percentage Yield (APY*)
3 Month.16%.16%
6 Month.30%.30%
12 Month.41%.41%
18 Month.46%.46%
24 Month.58%.58%
30 Month.58%.58%
36 Month1.01%1.01%
48 Month1.50%1.51%
60 Month1.55%1.56%

*Rates effective as of 12/1/13
For variable rate accounts 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.