Purchase a certificate of deposit with only $1,000, with terms ranging up to 5 years, and you can rest assured that your money will grow at a steady rate.

You will earn compounded interest on your account balance, and, while you may incur penalties if you withdraw the principal before maturity, you can transfer the interest you earn monthly to another account at NSB, without charges.

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It is a safe investment for funds you cannot afford to risk. You have the protection of FDIC insurance, the guarantee of a specific rate and term, and there are no hidden charges or fees.

All our CDs offer:

  • Guaranteed Rates
  • Only $1,000 to open
  • Online Account Access via eNSB
  • Automatic Renewal
  • FDIC Insurance

CD Deposit Rules

Minimum Balance:

$1,000 is the minimum balance required to open an NSB Certificate of Deposit. If you withdraw some of your funds before maturity and the balance falls below $1,000, you must close your account.


This account will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds or change the term without penalty.

Transaction Limitations:

$500 is the minimum additional deposit for terms less than one year, and no additional deposits are allowed for terms one year or greater. (Varies by account. See account disclosure for details.)

Withdrawal of Principal Prior to Maturity:

$500 is the minimum you may withdraw from principal. We may impose a penalty if you withdraw any of the principal before the maturity date. The penalty will equal:

  • 3-months interest on the amount withdrawn if the term is less than 6 months.
  • 6-months interest on the amount withdrawn if the term is 6 to 12 months.
  • 12-months interest on the amount withdrawn is the term is greater than one year.

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