Current Interest Rates

Checking and Savings Accounts

Type of Account Minimum Balance to Obtain APY** Minimum Opening Deposit APY** Interest Rate* Notes
FREE Business Interest Checking $25.00 $150.00 0.05% 0.05%
Totally Free Checking (Basic Banking Account) $0.00 $25.00 0.00% 0.00%
Interest Checking Accounts $0.01 $25.00 0.05% 0.05%
Premier Interest Checking $2500.00 $25.00 0.10% 0.10%
Money Market Demand Account $2500.00 $2500.00 0.10% 0.10%
NCSB Premium Rewards Checking-Unqualified $0.01 $25.00 0.05% 0.05%
NCSB Premium Rewards Checking-Qualified $0.01 $25.00 0.90% 0.90% Tier 1
NCSB Premium Rewards Checking-Qualified $25000.00 $25.00 0.20% 0.20% 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 0.40% 0.40% Tier 1
NCSB Premium Rewards/ Cashback Rewards Savings- Qualified $50000.00 $50.00 0.20% 0.20% Tier 2
Money Market Advantage Account $1000.00 $50.00 0.15% 0.15% Tier 1- Minimum Daily Balance $1,000.00
Money Market Advantage Account $10000.00 $50.00 0.30% 0.30% Tier 2- Minimum Daily Balance $10,000.00
Money Market Advantage Account $25000.00 $50.00 0.35% 0.35% Tier 3- Minimum Daily Balance $25,000.00
Money Market Advantage Account $75000.00 $50.00 0.35% 0.35% Tier 4- Minimum Daily Balance $75,000.00
Money Market Statement Savings Account $1000.00 $50.00 0.10% 0.10%
Statement Savings Account $50.00 $50.00 0.10% 0.10%
Startastic Savings Account $50.00 $5.00 0.10% 0.10%
Christmas Clubs $1.00 $1.00 0.10% 0.10%
IRA Advantage $1000.00 $50.00 0.15% 0.15% Tier 1-Minimum Daily Balance $1,000.00
IRA Advantage $10000.00 $50.00 0.30% 0.30% Tier 2-Minimum Daily Balance $10000.00
IRA Advantage $25000.00 $50.00 0.35% 0.35% Tier 3-Minimum Daily Balance $25000.00
IRA Advantage $75000.00 $50.00 0.35% 0.35% Tier 4-Minimum Daily Balance $75000.00

Certificates of Deposit ***

Type of Account Minimum Balance to Obtain APY** Minimum Opening Deposit APY** Interest Rate* Notes
Six Month $500.00 $1000.00 0.10% 0.10%
Twelve Month $500.00 $1000.00 0.10% 0.10%
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%
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%
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 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%

 Rates Effective 8/4/2020
* Interest Rates are subject to change without notice 
** APY means: Annual Percentage Yield 
*** Penalty may be imposed for early withdrawal 
Fees may reduce earnings