Bank of the James offers structured interest rates and annual percentage yields for its certificate of deposit products across multiple maturity terms. Standard retail and commercial offerings historically feature baseline yields such as approximately 0.50% annual percentage yield for 1-year short-term maturities, scaling up toward 1.26% annual percentage yield for longer 5-year term lengths. Supplementary deposit options like money market accounts provide baseline yields around 0.10% annual percentage yield. Because specific promotional yields and standard rates fluctuate in response to broader economic conditions and regional market competition, customers should verify current rate sheets directly through official institution disclosures.