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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.
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6 Month IRA CD
Rates posted 9/8/2010, 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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0.50%
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0.50%
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$50.00
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$5,000 - $9,999
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0.50%
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0.50%
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$50.00
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$10,000 - $24,999
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0.50%
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0.50%
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$50.00
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$25,000 - $49,999
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0.50%
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0.50%
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$50.00
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$50,000 - & Up
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0.50%
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0.50%
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8 Month IRA CD
Rates posted 9/8/2010, 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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0.90%
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0.90%
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$50.00
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$1,000 - $9,999
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0.90%
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0.90%
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$50.00
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$10,000 - $24,999
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0.90%
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0.90%
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$50.00
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$25,000 - $49,999
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0.90%
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0.90%
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$50.00
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$50,000 - & Up
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0.90%
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0.90%
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12 Month IRA CD
Rates posted 9/8/2010, 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
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0.85%
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0.85%
|
$50.00
|
$5,000 - $9,999
|
0.85%
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0.85%
|
$50.00
|
$10,000 - $24,999
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0.85%
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0.85%
|
$50.00
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$25,000 - $49,999
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0.85%
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0.85%
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$50.00
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$50,000 - & Up
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0.85%
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0.85%
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12 Month Rollover IRA CD
Rates posted 9/8/2010, but may change at any time.
|
Minimum
Deposit
to Open
|
Balance
to Obtain
APY
|
Annual
Percentage
Yield (APY)
|
Interest
Rate
|
$50.00
|
$0 - $999
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0.85%
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0.85%
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$50.00
|
$1,000 - $9,999
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0.85%
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0.85%
|
$50.00
|
$10,000 - $24,999
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0.85%
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0.85%
|
$50.00
|
$25,000 - $49,999
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0.85%
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0.85%
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$50.00
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$50,000 - & Up
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0.85%
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0.85%
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24 Month IRA CD
Rates posted 9/8/2010, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
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Annual
Percentage
Yield (APY)
|
Interest
Rate
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$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
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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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36 Month IRA CD
Rates posted 9/8/2010, 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 - $4,999
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1.65%
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1.64%
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$50.00
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$5,000 - $9,999
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1.65%
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1.64%
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$50.00
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$10,000 - $24,999
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1.65%
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1.64%
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$50.00
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$25,000 - $49,999
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1.65%
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1.64%
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$50.00
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$50,000 - & Up
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1.65%
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1.64%
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48 Month IRA CD
Rates posted 9/8/2010, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
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Annual
Percentage
Yield (APY)
|
Interest
Rate
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$50.00
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$0 - $4,999
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1.75%
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1.74%
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$50.00
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$5,000 - $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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60 Month IRA CD
Rates posted 9/8/2010, but may change at any time.
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Minimum
Deposit
to Open
|
Balance
to Obtain
APY
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Annual
Percentage
Yield (APY)
|
Interest
Rate
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$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
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$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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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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