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NSB offers a variety of Certificates of Deposit (CDs) with competitive rates. From time to time, we also offer Term Deposits, with options for a no-penalty withdrawal. Choose the account that's right for you, and earn daily compounded interest on your investment.
NOTE: You must live or own a second home in the central or northern Vermont area to qualify for an account.
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12 Month No Penalty CD
Rates posted 3/10/2010, but may change at any time.
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Minimum
Deposit
to Open
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Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
|
0.00%
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0.00%
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$1,000.00
|
$1,000 - $9,999
|
0.75%
|
0.75%
|
$1,000.00
|
$10,000 - $24,999
|
0.75%
|
0.75%
|
$1,000.00
|
$25,000 - $49,999
|
0.75%
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0.75%
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$1,000.00
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$50,000 - & Up
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0.75%
|
0.75%
|
3 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
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0.00%
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0.00%
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$1,000.00
|
$1,000 - $9,999
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0.50%
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0.50%
|
$1,000.00
|
$10,000 - $24,999
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0.50%
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0.50%
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$1,000.00
|
$25,000 - $49,999
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0.50%
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0.50%
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$1,000.00
|
$50,000 - & Up
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0.50%
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0.50%
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6-Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
|
0.00%
|
0.00%
|
$1,000.00
|
$1,000 - $9,999
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0.65%
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0.65%
|
$1,000.00
|
$10,000 - $24,999
|
0.65%
|
0.65%
|
$1,000.00
|
$25,000 - $49,999
|
0.65%
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0.65%
|
$1,000.00
|
$50,000 - & Up
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0.65%
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0.65%
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8 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
|
0.00%
|
0.00%
|
$1,000.00
|
$1,000 - $9,999
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0.90%
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0.90%
|
$1,000.00
|
$10,000 - $24,999
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0.90%
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0.90%
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$1,000.00
|
$25,000 - $49,999
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0.90%
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0.90%
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$1,000.00
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$50,000 - & Up
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0.90%
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0.90%
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12 Month Rollover CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
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0.00%
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0.00%
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$1,000.00
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$1,000 - $9,999
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1.01%
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1.00%
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$1,000.00
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$10,000 - $24,999
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1.01%
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1.00%
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$1,000.00
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$25,000 - $49,999
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1.01%
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1.00%
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$1,000.00
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$50,000 - & Up
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1.01%
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1.00%
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12 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
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0.00%
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0.00%
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$1,000.00
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$1,000 - $9,999
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1.01%
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1.00%
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$1,000.00
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$10,000 - $24,999
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1.01%
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1.00%
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$1,000.00
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$25,000 - $49,999
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1.01%
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1.00%
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$1,000.00
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$50,000 - & Up
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1.01%
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1.00%
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24 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
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0.00%
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0.00%
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$1,000.00
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$1,000 - $9,999
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1.45%
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1.44%
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$1,000.00
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$10,000 - $24,999
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1.45%
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1.44%
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$1,000.00
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$25,000 - $49,999
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1.45%
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1.44%
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$1,000.00
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$50,000 - & Up
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1.45%
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1.44%
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36 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
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$0 - $999
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0.00%
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0.00%
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$1,000.00
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$1,000 - $9,999
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1.85%
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1.83%
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$1,000.00
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$10,000 - $24,999
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1.85%
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1.83%
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$1,000.00
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$25,000 - $49,999
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1.85%
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1.83%
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$1,000.00
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$50,000 - & Up
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1.85%
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1.83%
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60 Month CD
Rates posted 3/10/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$1,000.00
|
$0 - $999
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0.00%
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0.00%
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$1,000.00
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$1,000 - $9,999
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2.75%
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2.71%
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$1,000.00
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$10,000 - $24,999
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2.75%
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2.71%
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$1,000.00
|
$25,000 - $49,999
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2.75%
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2.71%
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$1,000.00
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$50,000 - & Up
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2.75%
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2.71%
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Notes
Certificates of Deposit
A penalty may be imposed for early withdrawal from CD's. The interest rate and annual percentage yield will be in effect for the account until the maturity date.
Term Deposits
A penalty may be imposed for early withdrawal. The interest rate and annual percent yield will be in effect for the account until the maturity date. This is a limited-time offer.
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