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Use an Individual Retirement Account to save for the future. You can choose CDs for a long-term investment or, if you're just looking for a short-term place to hold your retirement funds, our Money Market savings IRA is the perfect spot. Your funds earn interest compounded daily, and you can open an IRA account with as little as $50.
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6 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
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$0 - $4,999
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1.25%
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1.24%
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$50.00
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$5,000 - $9,999
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1.25%
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1.24%
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$50.00
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$10,000 - $24,999
|
1.25%
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1.24%
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$50.00
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$25,000 - $49,999
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1.25%
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1.24%
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$50.00
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$50,000 - & Up
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1.25%
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1.24%
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8 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
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$0 - $999
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1.75%
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1.74%
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$50.00
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$1,000 - $9,999
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1.75%
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1.74%
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$50.00
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$10,000 - $24,999
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1.75%
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1.74%
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$50.00
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$25,000 - $49,999
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1.75%
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1.74%
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$50.00
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$50,000 - & Up
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1.75%
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1.74%
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12 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
|
$0 - $4,999
|
1.50%
|
1.49%
|
$50.00
|
$5,000 - $9,999
|
1.50%
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1.49%
|
$50.00
|
$10,000 - $24,999
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1.50%
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1.49%
|
$50.00
|
$25,000 - $49,999
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1.50%
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1.49%
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$50.00
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$50,000 - & Up
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1.50%
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1.49%
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12 Month Rollover IRA CD
Rates posted 7/1/2009, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
|
$0 - $999
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1.50%
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1.49%
|
$50.00
|
$1,000 - $9,999
|
1.50%
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1.49%
|
$50.00
|
$10,000 - $24,999
|
1.50%
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1.49%
|
$50.00
|
$25,000 - $49,999
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1.50%
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1.49%
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$50.00
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$50,000 - & Up
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1.50%
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1.49%
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24 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
|
$0 - $4,999
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1.75%
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1.74%
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$50.00
|
$5,000 - $9,999
|
1.75%
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1.74%
|
$50.00
|
$10,000 - $24,999
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1.75%
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1.74%
|
$50.00
|
$25,000 - $49,999
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1.75%
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1.74%
|
$50.00
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$50,000 - & Up
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1.75%
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1.74%
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36 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
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$0 - $4,999
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2.00%
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1.98%
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$50.00
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$5,000 - $9,999
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2.00%
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1.98%
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$50.00
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$10,000 - $24,999
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2.00%
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1.98%
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$50.00
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$25,000 - $49,999
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2.00%
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1.98%
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$50.00
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$50,000 - & Up
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2.00%
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1.98%
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60 Month IRA CD
Rates posted 7/1/2009, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
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$0 - $4,999
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2.50%
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2.47%
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$50.00
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$5,000 - $9,999
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2.50%
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2.47%
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$50.00
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$10,000 - $24,999
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2.50%
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2.47%
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$50.00
|
$25,000 - $49,999
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2.50%
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2.47%
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$50.00
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$50,000 - & Up
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2.50%
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2.47%
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Money Market IRA Savings
Rates posted 7/1/2009, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
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$50.00
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$0 - $499
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0.35%
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0.35%
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$50.00
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$500 - $999
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0.40%
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0.40%
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$50.00
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$1,000 - $4,999
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0.40%
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0.40%
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$50.00
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$5,000 - $9,999
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0.40%
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0.40%
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$50.00
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$10,000 - & Up
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0.50%
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0.50%
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Notes
IRA Certificates of Deposit
NSB may impose a penalty for early withdrawals from CDs held in an IRA, in addition to any penalties that may be imposed by the Internal Revenue Service.
Money Market Savings IRA
Rates on this account are subject to change after account is opened and fees may reduce earnings.
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