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Current Rates IRAs
Use an Individual Retirement Account to save for the future. NSB offers a variety of CD terms to give you the flexibility you need. Your funds earn interest compounded daily, and you can open an IRA account with as little as $50.

6 Month IRA CD
8 Month IRA CD
12 Month IRA CD
12 Month Rollover IRA CD
24 Month IRA CD
36 Month IRA CD
60 Month IRA CD

6 Month IRA 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
$50.00
$0 - $4,999
0.65%
0.65%
$50.00
$5,000 - $9,999
0.65%
0.65%
$50.00
$10,000 - $24,999
0.65%
0.65%
$50.00
$25,000 - $49,999
0.65%
0.65%
$50.00
$50,000 - & Up
0.65%
0.65%


8 Month IRA 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
$50.00
$0 - $999
0.90%
0.90%
$50.00
$1,000 - $9,999
0.90%
0.90%
$50.00
$10,000 - $24,999
0.90%
0.90%
$50.00
$25,000 - $49,999
0.90%
0.90%
$50.00
$50,000 - & Up
0.90%
0.90%


12 Month IRA 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
$50.00
$0 - $4,999
1.01%
1.00%
$50.00
$5,000 - $9,999
1.01%
1.00%
$50.00
$10,000 - $24,999
1.01%
1.00%
$50.00
$25,000 - $49,999
1.01%
1.00%
$50.00
$50,000 - & Up
1.01%
1.00%


12 Month Rollover IRA 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
$50.00
$0 - $999
1.01%
1.00%
$50.00
$1,000 - $9,999
1.01%
1.00%
$50.00
$10,000 - $24,999
1.01%
1.00%
$50.00
$25,000 - $49,999
1.01%
1.00%
$50.00
$50,000 - & Up
1.01%
1.00%


24 Month IRA 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
$50.00
$0 - $4,999
1.45%
1.44%
$50.00
$5,000 - $9,999
1.45%
1.44%
$50.00
$10,000 - $24,999
1.45%
1.44%
$50.00
$25,000 - $49,999
1.45%
1.44%
$50.00
$50,000 - & Up
1.45%
1.44%


36 Month IRA 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
$50.00
$0 - $4,999
1.85%
1.83%
$50.00
$5,000 - $9,999
1.85%
1.83%
$50.00
$10,000 - $24,999
1.85%
1.83%
$50.00
$25,000 - $49,999
1.85%
1.83%
$50.00
$50,000 - & Up
1.85%
1.83%


60 Month IRA 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
$50.00
$0 - $4,999
2.75%
2.71%
$50.00
$5,000 - $9,999
2.75%
2.71%
$50.00
$10,000 - $24,999
2.75%
2.71%
$50.00
$25,000 - $49,999
2.75%
2.71%
$50.00
$50,000 - & Up
2.75%
2.71%


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.




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