Certificate of Deposit (CD) Specials
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
6 Months | 3.91% | 3.87% |
12 Months | 3.64% | 3.58% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
Deposit Accounts
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Account | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
Primeline Checking* | 0.02% | 0.02% |
Preferred Interest Checking (balance less than $2,500)* | 0.02% | 0.02% |
Preferred Interest Checking (balance $2,500 or more)* | 0.04% | 0.04% |
Savings* | 0.03% | 0.03% |
Holiday Club* | 0.02% | 0.02% |
Health Savings Account (balance less than $2,500)* | 0.02% | 0.02% |
Health Savings Account (balance $2,500 or more)* | 0.04% | 0.04% |
Certificates of Deposit (CDs)
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Term | Annual Percentage Yield | Interest Rate |
---|---|---|
90 days | 0.50% | 0.50% |
6 months | 0.75% | 0.75% |
12 months | 1.16% | 1.15% |
18 months | 2.07% | 2.05% |
24 months | 2.17% | 2.15% |
36 months | 2.84% | 2.80% |
48 months | 2.94% | 2.90% |
60 months | 3.07% | 3.02% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
IRA's - Traditional & Roth
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
12 months | 1.16% | 1.15% |
18 months | 2.07% | 2.05% |
24 months | 2.17% | 2.15% |
36 months | 2.84% | 2.80% |
60 months | 3.07% | 3.02% |
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY.
Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.15% | 0.15% |
$10,000.00-$24,999.99 | 0.30% | 0.30% |
$25,000.00-$49,999.99 | 0.40% | 0.40% |
$50,000.00-$99,999.99 | 0.70% | 0.70% |
$100,000.00 + | 0.92% | 0.92% |
Business Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.20% | 0.20% |
$10,000.00-$24,999.99 | 0.35% | 0.35% |
$25,000.00-$49,999.99 | 0.42% | 0.42% |
$50,000.00-$99,999.99 | 0.75% | 0.75% |
$100,000.00 + | 0.98% | 0.98% |
Certificate of Deposit (CD) Specials
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
6 Months | 4.09% | 4.05% |
12 Months | 3.64% | 3.58% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
Deposit Accounts
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Account | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
Primeline Checking* | 0.02% | 0.02% |
Preferred Interest Checking (balance less than $2,500)* | 0.02% | 0.02% |
Preferred Interest Checking (balance $2,500 or more)* | 0.04% | 0.04% |
Savings* | 0.03% | 0.03% |
Holiday Club* | 0.02% | 0.02% |
Health Savings Account (balance less than $2,500)* | 0.02% | 0.02% |
Health Savings Account (balance $2,500 or more)* | 0.04% | 0.04% |
Certificates of Deposit (CDs)
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Term | Annual Percentage Yield | Interest Rate |
---|---|---|
90 days | 0.50% | 0.50% |
6 months | 0.75% | 0.75% |
12 months | 1.16% | 1.15% |
18 months | 2.07% | 2.05% |
24 months | 2.17% | 2.15% |
36 months | 2.84% | 2.80% |
48 months | 2.94% | 2.90% |
60 months | 3.07% | 3.02% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
IRA's - Traditional & Roth
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
12 months | 1.16% | 1.15% |
18 months | 2.07% | 2.05% |
24 months | 2.17% | 2.15% |
36 months | 2.84% | 2.80% |
60 months | 3.07% | 3.02% |
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY.
Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.30% | 0.30% |
$10,000.00-$24,999.99 | 0.72% | 0.72% |
$25,000.00-$49,999.99 | 0.84% | 0.84% |
$50,000.00-$99,999.99 | 1.16% | 1.15% |
$100,000.00 + | 1.81% | 1.80% |
Business Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.40% | 0.40% |
$10,000.00-$24,999.99 | 0.77% | 0.77% |
$25,000.00-$49,999.99 | 0.91% | 0.91% |
$50,000.00-$99,999.99 | 1.26% | 1.25% |
$100,000.00 + | 1.92% | 1.90% |
Interest rates on deposit accounts as of July 7, 2025.
* Indicates variable rate account. The interest rate and annual percentage yield for all variable rate accounts may change after the account is opened. Account fees could reduce earnings on an account.
Certificate of Deposit (CD) Specials
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
6 Months | 4.06% | 4.02% |
12 Months | 3.75% | 3.68% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
Deposit Accounts
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Account | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
Primeline Checking* | 0.02% | 0.02% |
Preferred Interest Checking (balance less than $2,500)* | 0.02% | 0.02% |
Preferred Interest Checking (balance $2,500 or more)* | 0.04% | 0.04% |
Savings* | 0.03% | 0.03% |
Holiday Club* | 0.02% | 0.02% |
Health Savings Account (balance less than $2,500)* | 0.02% | 0.02% |
Health Savings Account (balance $2,500 or more)* | 0.04% | 0.04% |
Certificates of Deposit (CDs)
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Term | Annual Percentage Yield | Interest Rate |
---|---|---|
90 days | 0.50% | 0.50% |
6 months | 0.75% | 0.75% |
12 months | 1.16% | 1.15% |
18 months | 2.32% | 2.30% |
24 months | 2.38% | 2.35% |
36 months | 2.84% | 2.80% |
48 months | 2.94% | 2.90% |
60 months | 3.06% | 3.02% |
Minimum opening deposit is $2,500 on 90 day CD; $500 on all other terms. Interest compounds at maturity on terms less than twelve months; all others compound monthly. Interest paid at maturity on terms less than twelve months; all others paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before Certificate maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. See our Account Disclosure for details.
IRA's - Traditional & Roth
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Term | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
12 months | 3.75% | 3.68% |
18 months | 2.32% | 2.30% |
24 months | 2.38% | 2.35% |
36 months | 2.84% | 2.80% |
60 months | 3.06% | 3.02% |
Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Account fees could reduce earnings on an account. An early withdrawal penalty applies to withdrawals made before maturity. Early withdrawal penalty applied for distributions under the age of 59 1/2. After account opening, there is no minimum balance requirement to obtain the disclosed APY.
Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.15% | 0.15% |
$10,000.00-$24,999.99 | 0.30% | 0.30% |
$25,000.00-$49,999.99 | 0.40% | 0.40% |
$50,000.00-$99,999.99 | 0.70% | 0.70% |
$100,000.00 + | 0.92% | 0.92% |
Business Money Market Deposit Account*
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Daily Balance | Annual Percentage Yield (APY) | Interest Rate |
---|---|---|
0-$9,999.99 | 0.20% | 0.20% |
$10,000.00-$24,999.99 | 0.35% | 0.35% |
$25,000.00-$49,999.99 | 0.42% | 0.42% |
$50,000.00-$99,999.99 | 0.75% | 0.75% |
$100,000.00 + | 0.98% | 0.98% |
Account Fees
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Description |
Fee
|
Return Item Charge |
$38.00
|
Overdraft Item Charge (per item) |
$38.00
|
Maximum per day - Consumer |
$228.00
|
Maximum per day - Commercial |
$456.00
|
Return Deposit Item |
$10.00
|
Stop Payment |
$38.00
|
Cashier's Check |
$10.00
|
Savings Overdraft Charge |
$38.00
|
CD/IRA Early Withdrawal Penalty |
Terms less than or equal to 12 months - 3 months of interest
Terms greater than 12 months - 6 months of interest
|
IRA Transfer (external) |
$75.00
|
Holiday Club Early Closing |
$15.00 & loss of interest
|
Early Closing Fee (within 90 days) |
$25.00
|
Undeliverable Statement |
$5.00
|
Debit Card/ATM Card
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ATM Transactions (per use) |
Fee
|
Non-National Bank ATM |
$2.00
|
Non-customer at National Bank ATM |
$3.00
|
Replacement Check Card |
$10.00
|
Wire Transfers
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Description |
Fee
|
Incoming - Domestic |
$15.00
|
Outgoing - Domestic |
$30.00
|
Outgoing - Primeline/Plus Package |
$15.00
|
Outgoing - International |
$75.00
|
Incoming - International |
$20.00
|
Additional Services
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Description |
Fee
|
Garnishments/Liens |
$150.00
|
Collection Item |
$35.00
|
Deposit/Loan Verification |
$10.00
|
Letter of Verification (Real Estate) |
$10.00
|
Check/Document Copy (per hour) |
$50.00
|
Statement Copy |
$10.00
|
Account Research (per hour) |
$50.00
|
Safe Deposit Boxes
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Size (inches) |
Rental (yearly)
|
2 x 5 |
$30.00
|
2.5 x 5 |
$35.00
|
3 x 5 |
$35.00
|
4 x 5 |
$40.00
|
5 x 5 |
$50.00
|
3 x 10 |
$50.00
|
4 x 10 |
$55.00
|
5 x 10 |
$70.00
|
6 x 10 |
$70.00
|
6 x 11.5 |
$70.00
|
10 x 10 |
$125.00
|
12 x 12 |
$125.00
|
16 x 15.5 |
$150.00
|
Locker |
$150.00
|
Key Replacement |
$25.00
|
Drilling Fee |
$300.00
|
Late Payment Fee | $25.00 |