Current Interest Rates

Checking

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
ADB Club$500.07%.07%
Business NOW$1,500.10%.10%
Health Savings Account (HSA)$5.10%.10%

Savings

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
Statement$100.10%.10%
Cow Bank$5.10%.10%
Christmas Club$5.10%.10%

Money Market

AmountInterest RateAnnual Percentage Yield (APY*)
$5,000 - $14,999.08%.08%
$15,000 - $49,999.11%.11%
$50,000 - $499,999.19%.19%
$500,000 - $999,999.30%.30%
$1,000,000 - Up.35%.35%

Time Certificates of Deposit

$500 minimum to obtain APY

TermInterest RateAnnual Percentage Yield (APY*)
3 Month.16%.16%
6 Month.31%.31%
12 Month.56%.56%
18 Month.65%.65%
24 Month.75%.75%
30 Month.85%.85%
36 Month1.30%1.30%
48 Month1.55%1.56%
60 Month1.60%1.61%
*Rates effective as of 1/1/15

  • 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.