SAVINGS ACCOUNT RATES
| BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD |
| $0 – $2,499.99 | 0.10% | 0.100% |
| $2,500 and up | 0.20% | 0.200% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are variable and subject to change without notice.
CLUB ACCOUNT RATES
| Account | INTEREST RATE | ANNUAL PERCENTAGE YIELD |
| Christmas Club w/automatic transfer for payout | 0.20% | 0.20% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are variable and subject to change without notice.
HEALTH SAVINGS ACCOUNT RATES
| MINIMUM BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD |
| $1,000 | 0.05% | 0.05% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are variable and subject to change without notice.
MONEY MARKET ACCOUNT RATES
| BALANCE | Interest Rate | Annual Percentage Yield |
| $0 – $2,499.99 | 0.00% | 0.000% |
| $2,500 – $19,999.99 | 0.30% | 0.300% |
| $20,000 – $49,999.99 | 0.40% | 0.401% |
| $50,000 – $99,999.99 | 0.80% | 0.803% |
| $100,000 – $499,999.99 | 1.25% | 1.257% |
| $500,000 and over | 1.35% | 1.358% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Fees may reduce earnings. Rates are variable and subject to change without notice.
PERSONAL PREMIER CHECKING ACCOUNT RATES
| Minimum Balance | Interest Rate | Annual Percentage Yield |
| $1,000 | 0.05% | 0.050% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Fees may reduce earnings. Rates are variable and subject to change without notice.
BUSINESS PREMIER CHECKING ACCOUNT RATES
| Minimum Balance | Interest Rate | Annual Percentage Yield |
| $0.00 - $4,999.99 | 0.00% | 0.000% |
| $5,000.00 - $9,999.99 | 0.20% | 0.200% |
| $10,000.00 - $49,999.99 | 0.25% | 0.250% |
| $50,000.00 and over | 0.30% | 0.300% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Fees may reduce earnings. Rates are variable and subject to change without notice.
CD RATES
| CD Term | Rate Tiers | Interest Terms |
| 3 months | $2,500 $5,000 $100,000 | Monthly compounding or Monthly or quarterly check or Monthly or quarterly deposit to NNB account |
| 6 months | $2,500 $5,000 $100,000 | Monthly compounding or Monthly, quarterly, semiannual check or Monthly, quarterly, or semiannual deposit to NNB account |
| 12 months | ||
| 18 months | $5,000 $100,000 | Monthly compounding or Monthly, quarterly, semiannual, or annual check or Monthly, quarterly, semiannual, or annual deposit to NNB account |
| 24 months | ||
| 36 months | ||
| 48 months | ||
| 60 months |
| Term | Minimum Balance | Interest Rate | Annual Percentage Yield |
| 3 Months | $2,500 | 0.100% | 0.100% |
| 3 Months | $5,000 | 0.200% | 0.200% |
| 3 Months | $100,000 | 0.300% | 0.300% |
| 6 Months | $2,500 | 2.950% | 2.990% |
| 6 Months | $5,000 | 4.121% | 4.200% |
| 6 Months | $100,000 | 4.314% | 4.400% |
| 12 Months | $2,500 | 2.850% | 2.888% |
| 12 Months | $5,000 | 3.880% | 3.950% |
| 12 Months | $100,000 | 3.928% | 4.000% |
| 18 Months | $5,000 | 2.129% | 2.150% |
| 18 Months | $100,000 | 2.325% | 2.350% |
| 24 Months | $5,000 | 2.227% | 2.250% |
| 24 Months | $100,000 | 2.472% | 2.500% |
| 36 Months | $5,000 | 2.472% | 2.500% |
| 36 Months | $100,000 | 2.716% | 2.750% |
| 48 Months | $5,000 | 2.960% | 3.000% |
| 48 Months | $100,000 | 2.960% | 3.000% |
| 60 Months | $5,000 | 0.600% | 0.602% |
| 60 Months | $100,000 | 0.700% | 0.702% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are subject to change without notice. Penalty for early withdrawal of CD or IRA.
IRA RATES
| Term | Minimum Balance | Interest Rate | Annual Percentage Yield |
| 3 Months | $500 | 0.050% | 0.050% |
| 3 Months | $2,500 | 0.100% | 0.100% |
| 3 Months | $5,000 | 0.200% | 0.200% |
| 3 Months | $100,000 | 0.300% | 0.300% |
| 6 Months | $500 | 2.400% | 2.427% |
| 6 Months | $2,500 | 2.950% | 2.990% |
| 6 Months | $5,000 | 4.121% | 4.200% |
| 6 Months | $100,000 | 4.314% | 4.400% |
| 12 Months | $500 | 2.850% | 2.888% |
| 12 Months | $2,500 | 2.850% | 2.888% |
| 12 Months | $5,000 | 3.880% | 3.950% |
| 12 Months | $100,000 | 3.928% | 4.000% |
| 18 Months | $500 | 1.835% | 1.850% |
| 18 Months | $2,500 | 1.982% | 2.000% |
| 18 Months | $5,000 | 2.129% | 2.150% |
| 18 Months | $100,000 | 2.325% | 2.350% |
| 24 Months | $500 | 1.8345% | 1.850% |
| 24 Months | $2,500 | 1.982% | 2.000% |
| 24 Months | $5,000 | 2.227% | 2.250% |
| 24 Months | $100,000 | 2.472% | 2.500% |
| 36 Months | $500 | 1.982% | 2.000% |
| 36 Months | $2,500 | 2.227% | 2.250% |
| 36 Months | $5,000 | 2.472% | 2.500% |
| 36 Months | $100,000 | 2.716% | 2.750% |
| 48 Months | $500 | 2.374% | 2.400% |
| 48 Months | $2,500 | 2.472% | 2.500% |
| 48 Months | $5,000 | 2.960% | 3.000% |
| 48 Months | $100,000 | 2.960% | 3.000% |
| 60 Months | $500 | 0.400% | 0.401% |
| 60 Months | $2,500 | 0.500% | 0.501% |
| 60 Months | $5,000 | 0.600% | 0.602% |
| 60 Months | $100,000 | 0.700% | 0.702% |
Rates effective 11/14/2024 to 11/20/2024.
All APYs (Annual Percentage Yields) are based on monthly compounding of interest. If interest is withdrawn prior to maturity, APYs will be lower. Rates are subject to change without notice. Penalty for early withdrawal of CD or IRA.
MORTGAGE RATES: IN-HOUSE
| Term | Interest Rate | APR | Payment |
| 15 Year Fixed | 7.250% | 7.517% | $918.79 per month |
| 10 Year Fixed | 6.750% | 7.072% | $1,153.24 per month |
| 10/5 ARM Variable* | 7.000% | 7.117% | $672.07 per month |
| 7/5 ARM Variable* | 6.750% | 6.824% | $655.06 per month |
| 5/5 ARM Variable* | 6.375% | 6.409% | $629.88 per month |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
Borrower must meet credit criteria and underwriting qualifications to obtain the advertised or stated interest rate and resulting Annual Percentage Rate quoted. Other terms may be offered for applicants who may not meet credit criteria or qualifications. Standard Loan Fees may apply.
Payments based on purchase price of $125,000, down payment of $25,000, and loan amount of $100,000.
Other rates and terms available. Rates are subject to change at any time. Ask a lender about our current rates and qualifications.
*Payment based on 30-year term.
MORTGAGE RATES: SECONDARY MARKET
| Term | Interest Rate | APR | Payment |
| 30 Year Fixed | 6.875%* | 7.015%* | $656.93 per month |
| 20 Year Fixed | 6.750%* | 6.932%* | $760.36 per month |
| 15 Year Fixed | 6.500%* | 6.725%* | $871.11 per month |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
For this category of mortgage loan, we publish the current interest rate on a specific day each week, as of the effective date stated. However, interest rates for this mortgage loan category may change daily. The purpose of this interest rate table and the stated effective date is to indicate an example of a recent interest rate offered.
Borrower must meet credit criteria and underwriting qualifications to obtain the advertised or stated interest rate and resulting Annual Percentage Rate quoted. Other terms may be offered for applicants who may not meet credit criteria or qualifications. Standard Loan Fees may apply.
Payments based on purchase price of $125,000, down payment of $25,000, and loan amount of $100,000.
Other rates and terms available. Rates are subject to change at any time. Ask a lender about our current interest rates and qualifications.
*The rate above requires the borrower to pay an origination fee of $500.00 (.50% point), based on the example loan amount of $100,000.00.
HOME EQUITY LOANS
| Term | Interest Rate | APR | Payment/$1,000.00 |
| 3 years | 6.250% | 6.894% | $30.57 per month based on 36 months at 6.894% APR |
| 5 years | 6.500% | 6.938% | $19.61 per month based on 60 months at 6.938% APR |
| 7 years | 7.250% | 7.610% | $15.26 per month based on 84 months at 7.610% APR |
| 10 years | 7.500% | 7.796% | $11.93 per month based on 120 months at 7.796% APR |
| 15 years | 8.125% | 8.380% | $9.70 per month based on 180 months at 8.380% APR |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
All interest rate information provided in the above table assumes applicant(s) have a minimum Experian credit score of 650. Discounted Interest Rates may be available for certain higher credit scores. Standard loan fees and appraisal fees may apply.
HOME EQUITY LINE OF CREDIT (HELOC)
This is a revolving, open end line of credit loan and variable interest rates offered will vary based on credit qualifications. Ask a lender about our current variable interest rates and qualifications.
This loan product also offers the ability to "lock in" a term and fixed interest rate on certain dollar amounts and still have the remaining line of credit available on a revolving basis for future use as fixed interest rate portions are paid down. Ask a lending officer for more details on these features.
Borrower must meet credit criteria and underwriting qualifications to obtain the advertised or stated interest rate and resulting Annual Percentage Rate quoted. Other terms may be offered for applicants who may not meet credit criteria or qualifications. Standard loan fees and appraisal fees may apply.
SECURED PERSONAL LOAN
| Term | Interest Rate | APR | Payment/$1,000.00 |
| 36 months | 6.250% | 6.335% | $30.58 per month based on 36 months at 6.335% APR |
| 60 Months | 6.250% | 6.333% | $19.49 per month based on 60 months at 6.333% APR |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
All interest rate information provided in the above table assumes applicant(s) have a minimum Experian credit score of 650. Discounted Interest Rates may be available for certain higher credit scores. Standard loan fees may apply.
Loans in this table are usually a loan secured with marketable securities.
UNSECURED PERSONAL LOAN
| Term | Interest Rate | APR | Payment/$1,000.00 |
| 48 months | 12.000% | 12.163% | $26.42 per month based on 48 months at 12.163% APR |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
All interest rate information provided in the above table assumes applicant(s) have a minimum Experian credit score of 650. Discounted Interest Rates may be available for certain higher credit scores. Discounted interest rates may also be offered to NNB customers that maintain their main home mortgage loan with our bank. Ask a lender for details. Standard loan fees may apply.
AUTO LOANS: NEW VEHICLE
| Term | Interest Rate | APR | Payment/$1,000.00 |
| 72 Months | 7.750% | 7.895% | $17.47 per month based on 72 months at 7.895% APR |
| 60 Months | 7.500% | 7.647% | $20.09 per month based on 60 months at 7.647% APR |
| 48 Months | 7.250% | 7.401% | $24.12 per month based on 48 months at 7.401% APR |
| 36 Months | 6.500% | 6.654% | $30.70 per month based on 36 months at 6.654% APR |
Stated Interest Rates and APRs (Annual Percentage Rate) effective as of 11/14/2024 and subject to change at any time without separate notice.
All interest rate information provided in the above table assumes applicant(s) have a minimum Experian credit score of 650. Discounted Interest Rates may be available for certain higher credit scores. Standard loan fees may apply.