Rates & Fees

Interest rates on deposit accounts as of June 6, 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 4.55% 4.50%
12 months 4.34% 4.26%
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 APYSee 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 APYSee 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 0.70% 0.70%
$100,000.00 + 1.03% 1.03%
 
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 + 1.11% 1.10%

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