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Interest Rates

Interest Rates

Checking and Savings Accounts

Type of Account Minimum Balance to Obtain APY** Minimum Opening Deposit Interest Rate* APY** Notes
FREE Business Interest Checking $25.00 $150.00 0.01% 0.01%  
NCSB Effortless Checking Account (Basic Banking Account) $0.00 $25.00 N/A N/A  
Interest Checking Accounts $0.01 $25.00 0.03% 0.03%  
Premier Interest Checking $2500.00 $25.00 0.03% 0.03%  
Money Market Demand Account $2500.00 $2500.00 0.03% 0.03%  
NCSB Premium Rewards Checking-Unqualified $0.01 $25.00 0.03% 0.03%  
NCSB Premium Rewards Checking-Qualified $0.01 $25.00 1.50% 1.51% Tier 1
NCSB Premium Rewards Checking-Qualified $20000.00 $25.00 0.10% 0.10% to 1.51% Tier 2
NCSB Premium Rewards/ Cashback Rewards Savings- Unqualified $0.01 $50.00 0.05% 0.05%  
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified $0.01 $50.00 3.50% 3.56%  
Money Market Advantage Account $1000.00 $50.00 0.25% 0.25% Tier 1- Minimum Daily Balance $1,000.00
Money Market Advantage Account $10000.00 $50.00 0.40% 0.40% Tier 2- Minimum Daily Balance $10,000.00
Money Market Advantage Account $25000.00 $50.00 0.50% 0.50% Tier 3- Minimum Daily Balance $25,000.00
Money Market Advantage Account $75000.00 $50.00 1.00% 1.01% Tier 4- Minimum Daily Balance $75,000.00
Money Market Statement Savings Account $1000.00 $50.00 0.05% 0.05%  
Statement Savings Account $50.00 $50.00 0.05% 0.05%  
Startastic Savings Account $50.00 $5.00 0.05% 0.05%  
Christmas Clubs $1.00 $1.00 0.10% 0.10%  
IRA Advantage $1000.00 $50.00 0.05% 0.05% Tier 1-Minimum Daily Balance $1,000.00
IRA Advantage $10000.00 $50.00 0.10% 0.10% Tier 2-Minimum Daily Balance $10000.00
IRA Advantage $25000.00 $50.00 0.15% 0.15% Tier 3-Minimum Daily Balance $25000.00
IRA Advantage $75000.00 $50.00 0.15% 0.15% Tier 4-Minimum Daily Balance $75000.00

Certificates of Deposit***

Type of Account Minimum Balance to Obtain APY** Minimum Opening Deposit Interest Rate* APY** Notes
Six Month $500.00 $1000.00 0.10% 0.10%  
Seven Month $500.00 $1000.00 4.25% 4.33%  
Twelve Month $500.00 $1000.00 0.10% 0.10%  
Thirteen Month $500.00 $1000.00 5.00% 5.12%  
Eighteen Month $500.00 $1000.00 0.10% 0.10%  
Twenty Four Month $500.00 $1000.00 0.10% 0.10%  
Twenty Four Month We See It Too $500.00 $500.00 0.10% 0.10%  
Twenty Five Month $500.00 $1000.00 3.00% 3.04%  
Thirty Month $500.00 $1000.00 0.20% 0.20%  
Thirty Six Month $500.00 $1000.00 0.20% 0.20%  
Thirty Six Month We See It Too $500.00 $500.00 0.20% 0.20%  
Thirty Seven Month $500.00 $1000.00 2.50% 2.53%  
Forty Eight Month $500.00 $1000.00 0.25% 0.25%  
Forty Eight Month We See It Too $500.00 $500.00 0.25% 0.25%  
Forty Eight Month "Step Up" $500.00 $1000.00 0.25% 0.25%  
Sixty Month $500.00 $1000.00 1.00% 1.00%  
Sixty One Month  $500.00 $1000.00 2.25% 2.27%  
Sixty Month We See It Too $500.00 $500.00 1.00% 1.00%  
IRA Twelve Month Certificate of Deposit $500.00 $1000.00 0.10% 0.10%  
IRA Eighteen Month Certificate of Deposit $500.00 $1000.00 0.10% 0.10%  
IRA Twenty Four Month Certificate of Deposit $500.00 $1000.00 0.10% 0.10%  
IRA Thirty Six Month Certificate of Deposit $500.00 $1000.00 0.20% 0.20%  
IRA Forty Eight Month Certificate of Deposit $500.00 $1000.00 0.25% 0.25%  
IRA Sixty Month Certificate of Deposit $500.00 $1000.00 1.00% 1.00%  
IRA Sixty one Month Certificate of Deposit $500.00 $1000.00 2.25% 2.27%  
IRA Thirteen Month Certificate of Deposit $500.00 $1000.00 5.00% 5.12%  
IRA Six Month Certificate of Deposit $500.00 $1000.00 0.10% 0.10%  
IRA Seven Month Certificate of Deposit $500.00 $1000.00 4.25% 4.32%  
IRA Twenty Five Month Certificate of Deposit $500.00 $1000.00 3.00% 3.03%  

 

 Rates Effective 07/09/2024

* Interest Rates are subject to change without notice 
** APY means: Annual Percentage Yield 
*** Penalty may be imposed for early withdrawal 
Fees may reduce earnings