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Savings Accounts

A Northumberland National Bank savings account helps you save for the future by paying interest on any balance.  And, because we offer tiered interest rates, you will earn a higher interest rate on higher balances.

If your goal is to put money aside for a specific purpose such as holiday shopping or a special vacation, our Christmas Clubs and All-Purpose Clubs make it easy.  When you save on a regular schedule, the money will be ready when you are!

For customers with a High Deductible Health Plan, our Health Savings Account offers a way to save for future medical expenses.

 

Savings Account

Save for the future while earning a great interest rate.  Our savings account features:

  • No minimum balance required
  • No monthly service fee
  • Our tiered interest rate is paid on all balances and compounded monthly
  • Unlimited withdrawals may be made in person at a branch or ATM
  • Only six preauthorized withdrawals are allowed per month (automatic or telephone transfers, ATM card purchases, etc.)
  • Monthly statements with imaged withdrawal and deposit tickets if the account has electronic activity
  • Semi-annual statements (May and November) with imaged withdrawal and deposit tickets if the account has no electronic activity

Savings Account Rates

 Interest RateAnnual Percentage Yield
$0.00 - $2,499.99 0.10% 0.10%
$2,500.00 and up 0.20% 0.20%
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are variable and subject to change without notice.

Rates effective from 10/23/2014 to 10/29/2014.

Health Savings Account

A Health Savings Account (HSA) allows individuals with a qualified high deductible health plan (HDHP) to save for future medical expenses.  The customer must be enrolled in an HDHP to open or contribute to the account, and contributions are tax deductible.  The account may be used to pay medical expenses even if the customer is no longer covered by an HDHP, or changes jobs or medical insurance.  Funds remain in the account from year to year if they are not used.  Account features:

  • No minimum balance required
  • No monthly service fee
  • No annual fee
  • Interest is paid monthly at the NOW Account Checking rate
  • Monthly statement with imaged checks and deposit tickets

Health Savings Account Rates

 Minimum BalanceInterest RateAnnual Percentage Yield
Now Account $1,000 0.05% 0.05%
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Fees may reduce earnings. Rates are variable and subject to change without notice.

Rates effective from 10/23/2014 to 10/29/2014.

 

Christmas Clubs

Our Christmas Club gives you two easy options for saving for holiday expenses:

  • Coupon Book:  Payments may be made at any time for any amount.  At the end of the club, you will receive a new coupon book for the next year.
  • Automatic Transfer:  Payments for a predetermined amount are transferred to the club from your Northumberland National Bank checking or savings account at a frequency of your choice.  The transfers will continue for subsequent years until changed or stopped by the customer.  These clubs earn a higher interest rate than coupon books.

Christmas Clubs pay out in early October.

All-Purpose Clubs

All-Purpose Clubs offer a systematic method of saving for a specific purpose, such as taking a special vacation or paying taxes.  The club can pay out in whatever month you choose.

  • Coupon Book:  Payments may be made at any time for any amount.  At the end of the club period, the account will close; you will not receive a new coupon book for the next year.
  • Automatic Transfer:  Payments for a predetermined amount are transferred to the club from your Northumberland National Bank checking or savings account at a frequency of your choice.  The transfers will continue for subsequent years until changed or stopped by the customer.  These clubs earn a higher interest rate than coupon books.

All-Purpose Clubs pay out on your choice of either the 15th of the month or the end of the month.  The payout amount will be the total of all payments made, plus interest.