Competitive rates and fair fees

As a mutual bank owned by depositors, not shareholders, Northfield Savings Bank consistently offers fair fees and competitive rates.

Home Loans

Northfield Savings Bank provides some of the lowest combination of rates and fees available along with the highest quality of customer service and local decision making. 

 

Click here for disclosure information on Home Equity Line of Credits.

Click the view monthly payment button below for more information on mortage and home equity loans including important disclosures. 

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Rates posted 04/17/2014 12:20 PM CT, but may change at any time.

Mortgage Loans

30 Year Fixed Rate - Salable See More Rates and Get a Customized Quote

Rate Points APR
4.375% 0 4.416%

15 Year Fixed Rate - Salable See More Rates and Get a Customized Quote

Rate Points APR
3.375% 0 3.444%

Home Equity Loans

Home Equity Loan - 10 Year Term See More Rates and Get a Customized Quote

Rate Points APR
4.000% 0 4.000%

Home Equity Line of Credit See More Rates and Get a Customized Quote

Rate Points APR
3.500% 0 3.500%

Personal Loans

Our products are grouped into categories depending on the type of loan, loan size and criteria. We have a wide range of personal loan products to meet your needs. Payment periods listed are for example purposes, other terms may be available.

 

Vehicles: Cars, trucks and recreational vehicles loan amounts range from $2,500 - $50,000. If your vehicle is more that seven years old, please refer to the Personal Loans chart below. Boats and RVs greater than $25,000 may be eligible for longer payouts. Contact our branch lenders for details.

Energy Improvement and Personal Loans: Energy Improvement Loans are available in amounts from $1,000 to $8,000. Other terms are available through our Home Equity Energy Improvement program. Person Loans are available in amounts from $2,500 to $25,000.

Credit Builder Loan: Loans to help establish credit history, available in amounts from $ 2,000 to $3,000 for 1 - 3 years.

Mobile Homes: Loans for homes on leased land are available in amounts from $5,000 to $35,000.

Collateral Secured: Use your financial assets to secure your loan- up to $100,000. If you have an NSB CD or savings account to use as collateral, you can borrow against the value of these assets. Your rate will be set at 3% over the rate your collateral is currently earning.

Rates posted 4/16/2014, but may change at any time.

Vehicles, etc Contact Us

Type Down Payment Payment Period (Years) APR Monthly Payment Per $1,000 Borrowed
New 10% 2 2.50% $42.76
New 10% 3 2.75% $28.97
New 10% 4 3.00% $22.13
New 10% 5 3.50% $18.19
New 20% 6 4.00% $15.65
1-3 Years Old 20% 3 4.00% $29.52
1-3 Years Old 20% 4 4.25% $22.69
1-3 Years Old 20% 5 4.50% $18.64
4-7 Years Old 20% 3 5.50% $30.20

Personal Loan Contact Us

Type Down Payment Payment Period (Years) APR Monthly Payment Per $1,000 Borrowed
Energy Improvement 0% 7 6.50% $14.85
Unsecured / Secured 0% 5 10.00% $21.25
Credit Builder 0% 3 5.00% $29.97

Mobile Homes Contact Us

Type Down Payment Payment Period (Years) APR Monthly Payment Per $1,000 Borrowed
New 20% 15 9.00% $10.14
Used 25% 10 10.00% $13.22

APR: Annual Percentage Rate

CDs (Certificates of Deposit)

NSB offers a variety of Certificates of Deposit (CDs) with competitive rates. From time to time, we also offer No Penalty CDs with options for penalty-free withdrawals. Choose the account that's right for you, and earn daily compounded interest on your investment. 

Please Note: You must live, work or own a second home in Vermont to qualify for an account.

Rates posted 4/16/2014, but may change at any time.

3 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.10% 0.10%

6 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.20% 0.20%

10 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.40% 0.40%

12 Month Rollover CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.30% 0.30%

12 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.30% 0.30%

12 Month No Penalty CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.20% 0.20%

24 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.65% 0.65%

36 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 0.75% 0.75%

48 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 1.01% 1.00%

60 Month CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1000 $0 – $999 0.00% 0.00%
$1000 $1,000 – & Up 1.20% 1.19%

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.

No Penalty CDs

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.

IRAs (Individual Retirement Accounts)

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.

Please Note: You must live, work or own a second home in Vermont to qualify for an account.

Rates posted 4/16/2014, but may change at any time.

6 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 0.20% 0.20%

12 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 0.30% 0.30%

12 Month Rollover IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 0.30% 0.30%

24 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 0.65% 0.65%

36 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 0.75% 0.75%

48 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 1.01% 1.00%

60 Month IRA CD Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$50 $0 – & Up 1.20% 1.19%

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.

 

Personal Checking

Put your money to work for you - earn interest on your checking account! Generally, the higher your balance, the higher the rate of return, and the interest is compounded daily. Rates are subject to change after checking accounts are opened and fees may reduce earnings.

Please Note: You must live, work or own a second home in Vermont to qualify for an account.

 

Rates posted 4/16/2014, but may change at any time.

Super NOW Checking Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $499 0.00% 0.00%
$1 $500 – & Up 0.05% 0.05%

Mega Money Market Checking Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $4,999 0.00% 0.00%
$1 $5,000 – $24,999 0.05% 0.05%
$1 $25,000 – $49,999 0.10% 0.10%
$1 $50,000 – & Up 0.20% 0.20%

Health Savings Account Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – & Up 0.25% 0.25%

Business Checking

We have a wide range of business checking products to meet your needs. Review the list below, and select the one that's right for you! Rates are subject to change after checking accounts are opened and fees may reduce earnings.

Please Note: Your business must have a physical location in Vermont to qualify for an account.

Rates posted 4/16/2014, but may change at any time.

Organizational Omni Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $4,999 0.00% 0.00%
$1 $5,000 – $24,999 0.05% 0.05%
$1 $25,000 – $49,999 0.10% 0.10%
$1 $50,000 – $99,999 0.15% 0.15%
$1 $100,000 – & Up 0.25% 0.25%

Super NOW Business Checking Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $499 0.00% 0.00%
$1 $500 – & Up 0.05% 0.05%

Commercial Money Market Checking Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $2,499 0.00% 0.00%
$1 $2,500 – $24,999 0.05% 0.05%
$1 $25,000 – $49,999 0.10% 0.10%
$1 $50,000 – & Up 0.20% 0.20%

Savings

Fees may reduce earnings.

Rates posted 4/16/2014, but may change at any time.

Regular Savings Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – & Up 0.05% 0.05%

Money Market Savings Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $499 0.00% 0.00%
$1 $500 – $24,999 0.05% 0.05%
$1 $25,000 – $49,999 0.10% 0.10%
$1 $50,000 – & Up 0.20% 0.20%

Club Savings Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – & Up 0.05% 0.05%

Wings Youth Savings Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – & Up 0.05% 0.05%

Business Savings Contact Us

Minimum Deposit to Open Balance to Obtain APY Annual Percentage Yield (APY) Interest Rate
$1 $0 – $499 0.00% 0.00%
$1 $500 – $24,999 0.05% 0.05%
$1 $25,000 – $49,999 0.10% 0.10%
$1 $50,000 – & Up 0.20% 0.20%

Sample Payment Table

Mortgages

The payment amount may be higher if escrows are applicable for property taxes, homeowner’s insurance and mortgage insurance.

  • APR's are based on 30% down payment and a loan amount of $150,000.00.
  • With PMI, some products are available with a down payment as low as 5%.
  • You are required to maintain homeowner’s insurance (and flood insurance, if applicable) on the property.

Home Equity Loans

The payment amount may be higher if escrows are applicable for property taxes, homeowner's insurance and mortgage insurance.

  • You are required to maintain homeowner’s insurance (and flood insurance, if applicable) on the property.
  • For primary residences, APRs are based on a combined loan to value <90%.
  • For second homes and investments, APRs are based on a combined loan to value <=75%
HOME EQUITY LOAN MORTGAGES
10 yr15 yr30 yr
Interest RateAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 Borrowed
2.750% 2.750% $9.54 2.917% $6.79 2.782% $4.09
2.875% 2.875% $9.60 3.042% $6.85 2.907% $4.15
3.000% 3.000% $9.66 3.168% $6.91 3.032% $4.22
3.125% 3.125% $9.72 3.294% $6.97 3.157% $4.29
3.250% 3.250% $9.78 3.419% $7.03 3.283% $4.36
3.375% 3.375% $9.83 3.545% $7.09 3.408% $4.42
3.500% 3.500% $9.89 3.570% $7.15 3.539% $4.49
3.625% 3.625% $9.95 3.695% $7.21 3.664% $4.56
3.750% 3.750% $10.01 3.820% $7.27 3.789% $4.60
3.875% 3.875% $10.07 3.945% $7.33 3.914% $4.70
4.000% 4.000% $10.12 4.071% $7.40 4.040% $4.77
4.125% 4.125% $10.18 4.196% $7.46 4.165% $4.85
4.250% 4.250% $10.24 4.321% $7.52 4.290% $4.92
4.375% 4.375% $10.30 4.446% $7.59 4.416% $4.99
4.500% 4.500% $10.36 4.572% $7.65 4.541% $5.07
4.625% 4.625% $10.42 4.697% $7.71 4.666% $5.14
4.750% 4.750% $10.48 4.822% $7.78 4.791% $5.22
HOME EQUITY LOAN MORTGAGES
10 yr15 yr30 yr
Interest RateAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 Borrowed
4.875% 4.875% $10.55 4.947% $7.84 4.917% $5.29
5.000% 5.000% $10.61 5.073% $7.91 5.042% $5.37
5.125% 5.125% $10.67 5.198% $7.97 5.167% $5.44
5.250% 5.250% $10.73 5.323% $8.04 5.293% $5.52
5.375% 5.375% $10.79 5.448% $8.10 5.418% $5.60
5.500% 5.500% $10.85 5.574% $8.17 5.543% $5.68
5.625% 5.625% $10.91 5.699% $8.23 5.669% $5.76
5.750% 5.750% $10.98 5.824% $8.30 5.794% $5.84
5.875% 5.875% $11.04 5.950% $8.37 5.919% $5.92
6.000% 6.000% $11.10 6.075% $8.44 6.045% $6.00
6.125% 6.125% $11.16 6.200% $8.50 6.170% $6.08
6.250% 6.250% $11.22 6.325% $8.57 6.295% $6.16
6.375% 6.375% $11.29 6.451% $8.64 6.421% $6.24
6.500% 6.500% $11.35 6.576% $8.71 6.546% $6.32
6.625% 6.625% $11.42 6.701% $8.78 6.671% $6.40
6.750% 6.750% $11.48 6.826% $8.85 6.797% $6.49
6.875% 6.875% $11.55 6.952% $8.92 6.922% $6.57
HOME EQUITY LOAN MORTGAGES
10 yr15 yr30 yr
Interest RateAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 BorrowedAPRMonthly Payment per $1,000 Borrowed
7.000% 7.000% $11.61 7.077% $8.99 7.047% $6.65
7.125% 7.125% $11.68 7.202% $9.06 7.173% $6.74
7.250% 7.250% $11.74 7.328% $9.13 7.298% $6.82
7.375% 7.375% $11.81 7.453% $9.20 7.424% $6.91
7.500% 7.500% $11.87 7.578% $9.27 7.549% $6.99
7.625% 7.625% $11.94 7.703% $9.34 7.674% $7.08
7.750% 7.750% $12.00 7.829% $9.41 7.800% $7.16
7.875% 7.875% $12.07 7.954% $9.48 7.925% $7.25
8.000% 8.000% $12.13 8.079% $9.56 8.050% $7.34


Approval subject to NSB underwriting and credit eligibility requirements.