Current Interest Rates

Checking

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
ADB Club$500.10%.10%
Business NOW$1,500.13%.13%
Health Savings Account (HSA)$5.13%.13%

Savings

Account TypeMinimum to obtain APYInterest RateAnnual Percentage Yield (APY*)
Statement$100.13%.13%
Cow Bank$5.13%.13%
Christmas Club$5.13%.13%

Money Market

AmountInterest RateAnnual Percentage Yield (APY*)
$5,000 - $14,999.11%.11%
$15,000 - $49,999.14%.14%
$50,000 - $499,999.22%.22%
$500,000 - $999,999.33%.33%
$1,000,000 - Up.37%.37%

Time Certificates of Deposit

$500 minimum to obtain APY

TermInterest RateAnnual Percentage Yield (APY*)
3 Month.26%.26%
6 Month.51%.51%
12 Month.62%.62%
18 Month.77%.77%
24 Month1.02%1.02%
30 Month1.20%1.20%
36 Month1.40%1.41%
48 Month1.76%1.77%
60 Month1.80%1.81%
*Interest rates effective as of 02/1/2016, 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