Discount points are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly payments over the term of your loan.

An adjustable rate mortgage, or an "ARM" as they are commonly called, is a loan type which offers a lower initial interest rate than most fixed rate loans. The trade off is the interest rate can change periodically, usually in relation to an index, and the monthly payment will go up or down accordingly.

Against the advantage of the lower payment at the beginning of the loan, you should weigh the risk an increase in interest rates would lead to higher monthly payments in the future. It is a trade-off. You get a lower rate with an ARM in exchange for assuming more risk.

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

You can access your funds through online banking (if you are enrolled) or through ACH service (if you are enrolled).

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Please make sure all fields have been completed, including delivery method.

To help ensure your security, a warning message will pop up when use of the electronic banking system has exceeded the time limit. You will be automatically logged off, so please save your work. This is to protect your information should you unexpectedly get called away from your device and have not logged off.

Mobile and Tablet App

I can't see my menu options when I log into the Northfield Savings Bank Mobile app using my phone or tablet.

On the login screen select “Forgot Your Password?” (This will work on registered devices only).

• Enter your Login ID.
• Once you receive and enter your Secure Access Code (temporary password), you will be asked to create a new password.

You do not have to register your device, but you will need to retrieve a secure access code (one-time password) every time you log in. If you do not register your own computer, phone, or tablet:

• You will not be able to use the Forgot Your Password function and will need to contact NSB to reset a forgotten password.
• You may not be able to change your secure delivery options and will need to contact NSB.

• You did not register your computer, phone, or tablet or
• You have your browser settings set to delete cookies and browser history. Because your cookies are being deleted, the system thinks this is the first time you are using your device.