DEPOSIT RATES

Effective: January 7, 2025

Check out NSB’s CD SPECIALS

7 MONTH CD SPECIAL & 11 MONTH CD SPECIAL

PERSONAL CHECKING ACCOUNTS

PRODUCT	MINIMUM DEPOSIT to open account	MINIMUM DAILY BALANCE required to earn APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
NOW CHECKING	$750.00	$750.00	0.15%	0.15%
GOLDEN CLUB	$100.00	$750.00	0.25%	0.25%
MONEY MARKET	$1,000.00	$0-$999.99 $1,000.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00-$249,999.99 $250,000.00 AND OVER	-0- 0.35% 0.50% 0.70% 1.00%	-0- 0.35% 0.50% 0.70% 1.00%

BUSINESS CHECK ACCOUNTS

PRODUCT	MINIMUM DEPOSIT to open account	MINIMUM DAILY BALANCE required to earn APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
MONEY MARKET	$1,000.00	$0-$999.99 $1,000.00-$24,999.99 $25,000.00-$99,999.99 $100,000.00-$249,999.99 $250,000.00 AND OVER	-0- 0.35% 0.50% 0.70% 1.00%	-0- 0.35% 0.50% 0.70% 1.00%

VARIABLE RATE SAVINGS ACCOUNTS

PRODUCT	MINIMUM DEPOSIT to open account	MINIMUM DAILY BALANCE required to earn APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
PASSBOOK SAVINGS	$100.00	$100.00	0.20%	0.20%
CHRISTMAS CLUB	$5.00	$0.00	0.15%	0.15%

CERTIFICATE OF DEPOSIT

PRODUCT	MINIMUM DEPOSIT to open account	MINIMUM DAILY BALANCE required to earn APY	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
91 DAY CERTIFICATE	$5,000.00	$5,000.00	0.70%	0.70%
182 DAY CERTIFICATE	$2,500.00	$2,500.00	0.75%	0.75%
7 MONTH CERTIFICATE SPECIAL!!!	$1,000.00	$1,000.00	4.35%	4.42%
12 MONTH CERTIFICATE	$1,000.00	$1,000.00	0.85%	0.85%
11 MONTH CERTIFICATE SPECIAL!!!	$1,000.00	$1,000.00	3.75%	3.80%
18 MONTH CERTIFICATE	$1,000.00	$1,000.00	0.90%	0.90%
30 MONTH CERTIFICATE	$1,000.00	$1,000.00	1.10%	1.10%
36 MONTH CERTIFICATE	$1,000.00	$1,000.00	1.30%	1.31%
60 MONTH CERTIFICATE	$1,000.00	$1,000.00	2.00%	2.02%

***Substantial penalty for early withdrawal. ***Monthly interest checks are available for CDs of $25,000 AND OVER. ***Monthly compounding is available for CDs OF $95,000 AND OVER.