Discover Smarter Savings Solutions
Explore our range of savings options designed to help you achieve your financial goals, from everyday savings to money market accounts.
Savings Account Options
Regular Savings
Designed for everyday savers who want to earn interest with lower minimum balance requirements.
Get StartedMoney Market
Offers competitive interest with flexible access and no fees when minimums are met.
Get StartedLoyalty Money Market
Built for higher balances, with tiered interest and full benefits when requirements are met.
Get StartedChristmas Club
Set money aside year-round for holiday spending with automatic transfers and a payout in October.
Get Started
Features | Regular Savings | Money Market | Loyalty Money Market | Christmas Club |
|---|---|---|---|---|
| Minimum Deposit to Open | $200 | $1,000 | $10,000 | $0 |
| Earns Interest | Yes | Yes | Yes | Yes |
| Interest Rate (APY)* | 0.40% | 0.35% | 0.50%-2.05% (See Brochure or Contact CSR for Details) | 1.00% |
| Minimum Balance to Earn Interest | $10 | $1,000 | $10,000 | $0 |
| Monthly Service Charge | $3 if balance falls below $200 any day of the cycle | $5 if balance falls below $1,000 any day of the cycle | $7 if balance falls below $10,000 any day of the cycle | N/A |
| How to Avoid Monthly Service Charge | Maintain $200 daily balance | Maintain $1,000 minimum balance | Maintain $10,000 minimum balance | No transfers made out of account |
| Other Account Benefits | Online and Mobile Banking access | Free Internet Banking & Bill Pay | Free Internet Banking & Bill Pay | Set aside money in preparation for holidays |
| Get Started | Get Started | Get Started | Get Started |
| Minimum Deposit to Open | $200 |
|---|---|
| Earns Interest | Yes |
| Interest Rate (APY)* | 0.40% |
| Minimum Balance to Earn Interest | $10 |
| Monthly Service Charge | $3 if balance falls below $200 any day of the cycle |
| How to Avoid Monthly Service Charge | Maintain $200 daily balance |
| Other Account Benefits | Online and Mobile Banking access |
| Minimum Deposit to Open | $1,000 |
|---|---|
| Earns Interest | Yes |
| Interest Rate (APY)* | 0.35% |
| Minimum Balance to Earn Interest | $1,000 |
| Monthly Service Charge | $5 if balance falls below $1,000 any day of the cycle |
| How to Avoid Monthly Service Charge | Maintain $1,000 minimum balance |
| Other Account Benefits | Free Internet Banking & Bill Pay |
| Minimum Deposit to Open | $10,000 |
|---|---|
| Earns Interest | Yes |
| Interest Rate (APY)* | 0.50%-2.05% (See Brochure or Contact CSR for Details) |
| Minimum Balance to Earn Interest | $10,000 |
| Monthly Service Charge | $7 if balance falls below $10,000 any day of the cycle |
| How to Avoid Monthly Service Charge | Maintain $10,000 minimum balance |
| Other Account Benefits | Free Internet Banking & Bill Pay |
| Minimum Deposit to Open | $0 |
|---|---|
| Earns Interest | Yes |
| Interest Rate (APY)* | 1.00% |
| Minimum Balance to Earn Interest | $0 |
| Monthly Service Charge | N/A |
| How to Avoid Monthly Service Charge | No transfers made out of account |
| Other Account Benefits | Set aside money in preparation for holidays |
Savings That Moves With You
Enjoy a savings account that’s designed to help you grow your money, regardless of your short- and long-term plans. Your account options include:
- Competitive interest
- No minimum balance for anyone under age 24
- FDIC-insured
- Online and mobile banking
Bank On the Go. Anywhere, Anytime.
Stay connected to your savings with the NSB Mobile App. Check balances, transfer funds, and deposit checks, all from your phone. Your mobile tools include:
- Mobile check deposit
- Real-time balance and transaction alerts
- Easy transfers between accounts
- Secure access with Face ID or passcode
Have Questions? We’re Here to Help.
Whether you need answers, guidance, or just a friendly voice, we’re ready when you are.
Frequently Asked Questions
Personal Banking Solutions
From checking and savings to online tools that go where you go, our personal banking solutions make it easier to take control of your finances.
Personal Checking
Simple, everyday accounts to suit your needs, with the digital tools to help manage your money.
Consumer Loans
From major purchases to unexpected expenses, our consumer loans offer the flexibility and support you need.
Mortgage Loans
Make your dream home a reality with flexible mortgage options and expert guidance every step of the way.
*APY = Annual Percentage Yield
