CONSUMER BANKING - RATE SHEET

Effective: 07-18-2008

Consumer Accounts  
Interest Rate
Annual Percentage Yield*
VHB Interest Checking (NOW)
      $.01 and over
1.99%
2.00%
VHB Regular Money Market Account
      $.01 - $9,999.99
      $10,000 and over
2.14%
2.34%
2.15%
2.35%
Signature Savings
       $.01 and over
2.96%
3.00%
Kids Savings
       $.01 and over
2.96%
3.00%


CERTIFICATE OF DEPOSITS minimum to open: $500
 
Consumer CDs
 
IRA's
 
Term
Interest Rate
APY*
Interest Rate
APY*
3 Month
2.71%
2.75%
2.77%
2.80%
6 Month
2.96%
3.00%
3.01%
3.05%
9 Month
2.96%
3.00%
3.01%
3.05%
12 Month
3.06%
3.10%
3.11%
3.15%
15 Month
  NO PENALTY**
3.20%
3.25%
N/A
N/A
18 Month
3.30%
3.35%
3.35%
3.40%
24 Month
3.45%
3.50%
3.50%
3.55%
24 Month
  NO PENALTY***
3.96%
4.00%
N/A
N/A
30 Month
3.69%
3.75%
3.74%
3.80%
36 Month
3.69%
3.75%
3.74%
3.80%
48 Month
3.96%
4.00%
3.98%
4.05%
60 Month
3.96%
4.00%
3.98%
4.05%

IRA Savings Account
($100 minimum to open, variable rate)
2.96%
3.00%

Rates are subject to change without notice. Fees may reduce earnings on checking and savings accounts.
Penalty for early withdrawal of CDs and during first seven business days of No Penalty CD.

*APY represents the Annual Percentage Yield.

**$5,000 minimum to open & One time penalty free withdrawal. Additional withdrawals are subject to standard penalties.

***$5,000 minimum to open & One time penalty free withdrawal. Additional withdrawals are subject to standard penalties. $500,000 maximum deposits allowed on a Special Promotion CD.

For more information please contact us:
11166 Fairfax Boulevard, Fairfax, VA 22030
703-359-4100