Open Checking Account
NSTS-OpenChecking_Header

CURRENT DEPOSIT RATES

Effective May 20, 2022
Rates subject to change without notice

SAVINGS

Account Type Minimum Amount
To Open and Obtain APY
Interest Rate (1) APY (2)
Passbook Savings $100 0.15% 0.15%
Statement Savings $100 0.15% 0.15%
Business Savings $100 0.15% 0.15%

(1) This is a variable rate account and the interest rate may vary from time to time at our discretion. Fees may reduce earnings.
(2) Annual Percentage Yield

CHECKING

Account Type Minimum Amount
To Open and Obtain APY
Interest Rate APY (4)
Premium Personal Checking (1) $100 0.05% 0.05%
Premium Business Checking (2) $100 Non-Interest Bearing Account
Free Personal Checking (3) $100 Non-Interest Bearing Account
Free Business Checking (3) $100 Non-Interest Bearing Account
Fresh Start Checking $25 Non-Interest Bearing Account

(1) The Premium Personal Checking account is a variable rate account and the interest rate may vary from time to time at our discretion. The Premium Personal Checking account has a monthly maintenance fee of $5.95.  Monthly maintenance fee waived with direct deposit or combined relationship balance of $1,000.  Fees may reduce earnings.
(2) The Premium Business Checking account has a monthly maintenance fee of $15.00 and provides enhanced online banking features, with ACH manager, not included with the Free Business Checking.
(3) The Free Personal Checking and Free Business Checking accounts have no monthly maintenance fees.  Overdraft fees, Returned Check, and Stop Payment charges may still apply.

MONEY MARKET ACCOUNTS

Account Type Minimum Amount
To Open and Obtain APY
Interest Rate APY (3)
Money Market Accounts (1) $1,000 .05% .05%
$10,000 .10% .10%
$25,000 .15% .15%
Premium Money Market Accounts (2) $75,000 .15% .15%
$100,000 .20% .20%
$150,000+ .25% .25%

(1) The Money Market account is a tiered, variable rate account. If your average daily balance is within a tier then your entire balance will earn the correspondent APY. Balances below $1,000 will earn the Premium Checking account APY.  The interest rate may vary from time to time at our discretion.  Fees may reduce earnings.
(2) The Premium Money Market account is a tiered, variable rate account. If your average daily balance is within a tier then your entire balance will earn the correspondent APY. A maintenance fee of $25.00 will be assessed if the balance in your account falls below $75,000 on any day of the statement cycle and balances below $75,000 will earn the Premium Checking account APY.  This a variable rate account and the interest rate may vary from time to time at our discretion.
(3) Annual Percentage Yield

Certificates of Deposit and IRAs

Certificate Terms (1) Minimum Amount
To Open and Obtain APY
Interest Rate APY (2)
3 Month Certificate $1,000 .20% .20%
6 Month Certificate $1,000 .25% .25%
12 Month Certificate $1,000 .30% .30%
18 Month Certificate $1,000 .35% .35%
24 Month Certificate $1,000 .40% .40%
3 Year Certificate $1,000 .45% .45%
4 Year Certificate $1,000 .50% .50%
5 Year Certificate $1,000 .60% .60%

FDIC Insured

(1) A penalty will be imposed for early withdrawal
(2) Annual Percentage Yield