Current Interest Rates

Checking

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
ADB Club$500.08%.08%
Business NOW$1,500.11%.11%
Health Savings Account (HSA)$5.11%.11%

Savings

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
Statement$100.11%.11%
Cow Bank$5.11%.11%
Christmas Club$5.11%.11%

Money Market

AmountInterest RateAnnual Percentage Yield (APY*)
$5,000 - $14,999.09%.09%
$15,000 - $49,999.12%.12%
$50,000 - $499,999.20%.20%
$500,000 - $999,999.31%.31%
$1,000,000 - Up.35%.35%

Time Certificates of Deposit

$500 minimum to obtain APY

TermInterest RateAnnual Percentage Yield (APY*)
3 Month.17%.17%
6 Month.32%.32%
12 Month.62%.62%
18 Month.77%.77%
24 Month.80%.80%
30 Month.90%.90%
36 Month1.35%1.36%
48 Month1.60%1.61%
60 Month1.65%1.66%
*Rates effective as of 8/1/15

  • 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