Interest rates on deposit accounts as of August 16, 2023. 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 |
4.75% |
4.70% |
| 8 months |
5.05% |
5.01% |
| 12 months |
4.35% |
4.27% |
Minimum 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* |
0.03% |
0.03% |
| NOW Checking (balance less than $2,500)* |
0.03% |
0.03% |
| NOW Checking (balance $2,500 or more)* |
0.05% |
0.05% |
| Statement Savings* |
0.04% |
0.04% |
| Holiday Club* |
0.02% |
0.02% |
| Health Savings Account (balance less than $2,500)* |
0.03% |
0.03% |
| Health Savings Account (balance $2,500 or more)* |
0.05% |
0.05% |
| 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 |
1.25% |
1.25% |
| 18 months |
1.05% |
1.04% |
| 24 months |
1.15% |
1.14% |
| 36 months |
1.25% |
1.24% |
| 48 months |
1.35% |
1.34% |
| 60 months |
1.51% |
1.50% |
Minimum 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 |
| IRA Savings |
0.55% |
0.55% |
| 12 months |
1.25% |
1.25% |
| 18 months |
1.05% |
1.04% |
| 24 months |
1.15% |
1.14% |
| 36 months |
1.25% |
1.24% |
| 60 months |
1.45% |
1.44% |
| 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 |
0.75% |
0.75% |
| $100,000.00 + |
1.11% |
1.10% |
| 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 |
0.80% |
0.80% |
| $100,000.00 + |
1.26% |
1.25% |
Service Fees (effective August 1, 2023)
* Indicates fee change
| Account Fees |
| Return Item Charge1 |
$36.00
|
| Overdraft Item Charge (per item)2 |
$36.00
|
| Maximum per day - Consumer |
$216.00
|
| Maximum per day - Commercial |
$432.00 |
| Return Deposit Item |
$10.00
|
| Stop Payment |
$36.00
|
| Cashier's Check |
$5.00
|
| Savings Overdraft Charge |
$36.00
|
| 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) |
$25.00 |
| Holiday Club Early Closing |
$5.00 & loss of interest
|
| Dormant Fee (per month) |
$5.00
|
| Early Closing Fee (within 90 days) |
$25.00
|
| Undeliverable Statement |
$5.00 |
| |
|
1 If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, National Bank will charge a return item fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item National Bank may pay the item, and, if payment causes an overdraft, charge an overdraft fee.
2 National Bank does not charge overdraft fees for transactions that are $5 or less or when a transaction causes an account balance to be overdrawn by $5 or less.
| 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 |
$5.00
|
| |
|
| Wire Transfers |
| Incoming - Customer |
$15.00*
|
| Outgoing - Customer |
$25.00*
|
| Outgoing - Primeline/Plus Package |
$12.50*
|
| Outgoing - International |
$65.00
|
| Incoming - International |
$15.00*
|
| |
|
| Additional Services |
| Garnishments/Liens |
$100.00
|
| Collection Item |
$20.00
|
| Deposit/Loan Verification |
$10.00
|
| Letter of Verification (Real Estate) |
$10.00
|
| Check/Document Copy (per hour) |
$20.00
|
| Statement Copy |
$3.00
|
| Statement Reconciliation (per hour) |
$25.00
|
| Account Research (per hour) |
$25.00
|
| |
|
| Safe Deposit Boxes |
| Size (inches) |
Rental (yearly)
|
| 2 x 5 |
$25.00
|
| 2.5 x 5 |
$30.00
|
| 3 x 5 |
$30.00
|
| 4 x 5 |
$35.00
|
| 5 x 5 |
$45.00
|
| 3 x 10 |
$45.00
|
| 4 x 10 |
$50.00
|
| 5 x 10 |
$65.00
|
| 6 x 10 |
$65.00
|
| 6 x 11.5 |
$65.00
|
| 10 x 10 |
$95.00
|
| 12 x 12 |
$105.00
|
| 16 x 15.5 |
$150.00
|
| Locker |
$125.00
|
| Key Replacement |
$20.00
|
| Drilling Fee |
$250.00
|
| Late Payment Fee |
$10.00 |
Learn more about our accounts:
Rates & Fees | Account Disclosure | Terms & Conditions | Overdraft Coverage | Overdraft Addendum | Electronic Funds Disclosure