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RATES AS OF 1/31/12
| Tiered Rate Savings* |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| Tier 1 |
$25 - 2,499 |
0.05% |
0.05% |
| Tier 2 |
$2,500 - 24,999 |
0.05% |
0.05% |
| Tier 3 |
$25,000 and up |
0.10% |
0.10% |
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| Statement Savings* (Balance below $100, $3.00 monthly service charge)** |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| Tier 1 |
$100 - 2,499 |
0.05% |
0.05% |
| Tier 2 |
$2,500 - 24,999 |
0.05% |
0.05% |
| Tier 3 |
$25,000 and up |
0.10% |
0.10% |
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| Money Market Account* (Personal and Business)** |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| Tier 1 |
$2500 - 9,999 |
0.05% |
0.05% |
| Tier 2 |
$10,000 - 24,999 |
0.05% |
0.05% |
| Tier 3 |
$25,000 - 49,999 |
0.10% |
0.10% |
| Tier 4 |
$50,000 - 74,999 |
0.10% |
0.10% |
| Tier 5 |
$75,000 and up |
0.10% |
0.10% |
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Fixed Rate Certificates of Deposit
Existing Loop Checking Accounts opened before 1/2/10 and High Value Checking Accounts are entitled to 1/4% increase on CD and IRA APYs |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| 91 Day CD*** |
$2,500 |
0.15% |
0.15% |
| 5 Month CD*** |
$2,500 |
0.20% |
0.20% |
| 182 Day CD*** |
$2,500 |
0.20% |
0.20% |
| 7 Month CD*** |
$2,500 |
0.20% |
0.20% |
| 8 Month CD*** |
$2,500 |
0.20% |
0.20% |
| 9 Month CD*** |
$2,500 |
0.20% |
0.20% |
| 1 Year CD*** |
$1,000 |
0.45% |
0.45% |
| 13 Month CD*** |
$1,000 |
0.45% |
0.45% |
| 18 Month CD*** |
$1,000 |
0.50% |
0.50% |
| 2 Year CD*** |
$1,000 |
0.75% |
0.75% |
| 3 Year CD*** |
$1,000 |
1.09% |
1.10% |
| 4 Year CD*** |
$1,000 |
1.29% |
1.30% |
| 5 Year CD*** |
$1,000 |
1.73% |
1.75% |
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Online Opening Certificates of Deposit
Existing Loop Checking Accounts opened before 1/2/10 and High Value Checking Accounts are entitled to 1/4% increase on APYs. Only terms offered online. |
| Account |
Min. Amount To Open |
Annual Interest Rate |
Annual Percentage Yield |
| 6 Month CD*** |
$2,500 |
0.20% |
0.20% |
| 1 Year CD*** |
$1,000 |
0.45% |
0.45% |
| 2 Year CD*** |
$1,000 |
0.75% |
0.75% |
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| Individual Retirement Accounts** |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| Regular Savings IRA* |
$25 |
0.05% |
0.05% |
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Fixed Rate IRAs**
Existing Loop Checking Accounts opened before 1/2/10 and High Value Checking Accounts are entitled to 1/4% increase on CD and IRA APYs |
| Account |
Min. Bal. To Earn APY |
Annual Interest Rate |
Annual Percentage Yield |
| 1 Year IRA*** |
$500 |
0.45% |
0.45% |
| 18 Month IRA*** |
$500 |
0.50% |
0.50% |
| 2 Year IRA*** |
$500 |
0.75% |
0.75% |
| 3 Year IRA*** |
$500 |
1.09% |
1.10% |
| 5 Year IRA*** |
$500 |
1.73% |
1.75% |
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| Personal Checking** |
| Account |
Daily Balance |
Annual Interest Rate |
Annual Percentage Yield |
| e-Loop Checking* |
0 - $50,000 |
0.75% |
0.75% |
| e-Loop Checking* |
Portion of the balance
above $50,000 |
0.10% |
0.10% |
| e-Loop Checking* |
If requirements are not met |
0.05% |
0.05% |
| High Value Checking* |
$0 - $999 |
0.05% |
0.05% |
| High Value Checking* |
$1,000 and up |
0.15% |
0.15% |
| VIP Checking**** |
N/A |
0.05% |
0.05% |
| Totally Free Checking |
N/A |
N/A |
N/A |
| Non-Profit Business Checking* |
N/A |
0.05% |
0.05% |
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*For variable rate accounts, rates are subject to change at any time at the sole discretion of NFSB.
**Fees could reduce earnings.
***A penalty may be imposed for early withdrawal.
****$50.00 to open account before earning interest.
For further information, call us at 847-5500 or 1-800-394-2911.
Deposits are insured by FDIC.
More information on any of our products and services can be requested through e-mail (warning: do not send confidential information via email) or by calling us at (401) 847-5500.
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