Interest rates on deposit accounts as of December 20, 2024. Click here to view our current Service Fees.
* 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 |
| 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 |
| Account |
Annual Percentage Yield (APY) |
Interest Rate |
| Primeline Checking* |
0.02% |
0.02% |
| NOW Checking (balance less than $2,500)* |
0.02% |
0.02% |
| NOW Checking (balance $2,500 or more)* |
0.04% |
0.04% |
| Statement 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) |
| Term |
Annual Percentage Yield (APY) |
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 |
3.06% |
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 |
| 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 |
3.06% |
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.
| IRA Savings* |
| |
Annual Percentage Yield (APY) |
Interest Rate |
| IRA Savings* |
0.35% |
0.35% |
Minimum opening deposit is $25. Interest compounded and credited quarterly. Account fees could reduce earnings on an account. Early withdrawal penalty applied if the account is closed and not transferred into a fixed rate IRA at National Bank. 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* |
| 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* |
| 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 + |
09.98% |
0.98% |
Service Fees
(effective March 1, 2024)
| Account Fees |
| 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 |
| |
|
| Check Card/ATM Card |
| ATM Transactions (per use) |
|
| Non-National Bank ATM |
$2.00
|
| Non-customer at National Bank ATM |
$3.00
|
| Replacement Check Card |
$10.00
|
| |
|
| Wire Transfers |
| Incoming - Domestic |
$15.00
|
| Outgoing - Domestic |
$30.00
|
| Outgoing - Primeline/Plus Package |
$15.00
|
| Outgoing - International |
$75.00
|
| Incoming - International |
$20.00
|
| |
|
| Additional Services |
| 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 |
| 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 |
Learn more about our accounts:
Rates & Fees | Account Disclosure | Terms & Conditions | Overdraft Coverage | Overdraft Addendum | Electronic Funds Disclosure