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Northfield Savings Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Northfield Savings Bank's 24-Month CD rates are at 3.75%, 60-Month CD rates are at 3.05%, 12-Month Flex CD rates are at 3.00%, 48-Month CD rates are at 2.95%, 36-Month CD rates are at 2.85%. Northfield Savings Bank's savings rates are at 0.60%. Northfield Savings Bank's money market rates are at 2.65%. Northfield Savings Bank's checking rates are as high as 1.05%. Northfield Savings Bank's Conventional Mortgage - Fixed Rate rates are at 6.375%, NSB Pathway Mortgage - Fixed Rate 30 Years rates are at 6.875%, Jumbo Mortgage Fixed rates are at 7.125%, Conventional Mortgage - 7 Year Adjustable Rate rates are at 6.875%. Northfield Savings Bank's Personal Loan Rates are as low as 6.75%. Northfield Savings Bank's top CD rate of 3.75% APY on an 11 month CD is 25% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Northfield Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.85%. Rates last updated and verified on 11/06/2026.

Northfield Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northfield Savings Bank? Share your experience about Northfield Savings Bank by leaving a review below, or read customer reviews before you decide to use Northfield Savings Bank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.85%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Northfield Savings Bank
33 S Main St
Northfield, VT 05663
https://www.nsbvt.com
MemberFDIC
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Northfield Savings Bank CD Rates

Product Rate APY Term Min. Deposit View More
11-Month CD Special 3.68% 3.75% 11 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
11-Month IRA CD Special 3.68% 3.75% 11 Month $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
24-Month CD 3.68% 3.75% 24 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
24-Month IRA CD 3.68% 3.75% 24 months $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6-Month IRA CD 3.68% 3.75% 6 months $50
Min Deposit $50
Min Balance $0
Details IRA CD; shares rate table with 11 Month IRA CD Special; early withdrawal penalty may apply in addition to IRS penalties
Last Updated 11/06/2026
Rate History
1 change since Sep 28, 2026 · 2.50% → 3.75% ▲ 1.25 pts · high 3.75% / low 2.50%
1.25%3.13%5.00%Sep 28, 2026: 2.50% APYOct 22, 2026: 3.75% APYSep 28, 2026Nov 9, 2026
  • Oct 22, 20263.75%▲ from 2.50%
  • Sep 28, 20262.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
60-Month CD 3.00% 3.05% 60 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 10 times
2.55%3.05%3.55%Sep 24, 2026: 3.05% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
60-Month IRA CD 3.00% 3.05% 60 Month $50
Min Deposit $50
Min Balance $0
Details A penalty may be imposed for early withdrawal from CDs held in an IRA, in addition to any penalties imposed by the IRS.
Last Updated 11/06/2026
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Oct 8, 2026: 3.05% APYOct 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month Flex CD 2.96% 3.00% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 10 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
48-Month CD 2.91% 2.95% 48 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 10 times
2.45%2.95%3.45%Sep 24, 2026: 2.95% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
48-Month IRA CD 2.91% 2.95% 48 months $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 9 times
2.45%2.95%3.45%Sep 28, 2026: 2.95% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month IRA CD 2.81% 2.85% 12 months $50
Min Deposit $50
Min Balance $0
Details IRA CD; shares rate table with 12 Month Rollover IRA CD, 24 Month IRA CD and 36 Month IRA CD; early withdrawal penalty may apply in addition to IRS penalties
Last Updated 11/06/2026
Rate History
1 change since Sep 28, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 28, 2026: 2.75% APYOct 22, 2026: 2.85% APYSep 28, 2026Nov 9, 2026
  • Oct 22, 20262.85%▲ from 2.75%
  • Sep 28, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month Rollover IRA CD 2.81% 2.85% 12 months $50
Min Deposit $50
Min Balance $0
Details IRA CD; shares rate table with 12 Month IRA CD, 24 Month IRA CD and 36 Month IRA CD; early withdrawal penalty may apply in addition to IRS penalties
Last Updated 11/06/2026
Rate History
1 change since Sep 28, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 28, 2026: 2.75% APYOct 22, 2026: 2.85% APYSep 28, 2026Nov 9, 2026
  • Oct 22, 20262.85%▲ from 2.75%
  • Sep 28, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
24-Month IRA CD 2.81% 2.85% 24 months $50
Min Deposit $50
Min Balance $0
Details IRA CD; shares rate table with 12 Month IRA CD, 12 Month Rollover IRA CD and 36 Month IRA CD; early withdrawal penalty may apply in addition to IRS penalties
Last Updated 11/06/2026
Rate History
1 change since Sep 28, 2026 · 3.75% → 2.85% ▼ 0.90 pts · high 3.75% / low 2.85%
1.95%3.30%4.65%Sep 28, 2026: 3.75% APYOct 22, 2026: 2.85% APYSep 28, 2026Nov 9, 2026
  • Oct 22, 20262.85%▼ from 3.75%
  • Sep 28, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
36-Month CD 2.81% 2.85% 36 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 10 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
36-Month IRA CD 2.81% 2.85% 36 months $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 9 times
2.35%2.85%3.35%Sep 28, 2026: 2.85% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month CD 2.71% 2.75% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 10 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month IRA CD 2.71% 2.75% 12 months $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month Rollover CD 2.71% 2.75% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12-Month Rollover IRA CD 2.71% 2.75% 12 months $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 28, 2026: 2.75% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6-Month CD 2.47% 2.50% 6 Month $1,000
Min Deposit $1,000
Min Balance $1,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 10 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6-Month IRA CD 2.47% 2.50% 6 Month $50
Min Deposit $50
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Savings Rates

Product Rate APY View More
Government Savings 0.60% 0.60%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000.00 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 10 times
0.10%0.60%1.10%Sep 24, 2026: 0.60% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Savings 0.45% 0.45%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 10 times
0.00%0.48%0.95%Sep 24, 2026: 0.45% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Savings 0.35% 0.35%
Min Deposit $10
Min Balance $10,000
Details Balance: $10,000.00 - $24,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Health Savings Account (HSA) 0.35% 0.35%
Min Deposit $0
Min Balance $0
Details Shares rate table with Money Market Savings
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Savings 0.35% 0.35%
Min Deposit $0
Min Balance $0
Details Shares rate table with Health Savings Account (HSA)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Oct 22, 2026: 0.35% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Club Savings 0.25% 0.25%
Min Deposit $10
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Savings 0.25% 0.25%
Min Deposit $10
Min Balance $0
Details Balance: $0.00 - $9,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Regular Savings 0.25% 0.25%
Min Deposit $10
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Youth Savings 0.25% 0.25%
Min Deposit $10
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Business Savings Rates

Product Rate APY View More
Business Savings Account 0.60% 0.60%
Min Deposit $10
Min Balance $50,000
Details Minimum balance to obtain APY: $50,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 10 times
0.10%0.60%1.10%Sep 24, 2026: 0.60% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Savings Account 0.45% 0.45%
Min Deposit $10
Min Balance $25,000
Details Minimum balance to obtain APY: $25,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 10 times
0.00%0.48%0.95%Sep 24, 2026: 0.45% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Savings Account 0.35% 0.35%
Min Deposit $10
Min Balance $10,000
Details Minimum balance to obtain APY: $10,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Savings Account 0.25% 0.25%
Min Deposit $10
Min Balance $500
Details Minimum balance to obtain APY: $500
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Money Market Rates

Product Rate APY View More
Government Money Market 2.62% 2.65%
Min Deposit $10
Min Balance $2,500,000
Details Balance: $2,500,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 9 times
2.15%2.65%3.15%Sep 24, 2026: 2.65% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Money Market 2.23% 2.25%
Min Deposit $10
Min Balance $1,000,000
Details Balance: $1,000,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Money Market 1.64% 1.65%
Min Deposit $10
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 9 times
1.15%1.65%2.15%Sep 24, 2026: 1.65% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Money Market 1.00% 1.00%
Min Deposit $10
Min Balance $75,000
Details Balance: $75,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Money Market 0.35% 0.35%
Min Deposit $10
Min Balance $0
Details Balance: $0 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Savings 0.35% 0.35%
Min Deposit $0
Min Balance $0
Details Shares rate table with Health Savings Account (HSA)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Oct 22, 2026: 0.35% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Business Money Market Rates

Product Rate APY View More
Business Money Market Plus 2.62% 2.65%
Min Deposit $10
Min Balance $2,500,000
Details Balance tier from $2,500,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 10 times
2.15%2.65%3.15%Sep 24, 2026: 2.65% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market Plus 2.08% 2.10%
Min Deposit $10
Min Balance $1,000,000
Details Balance tier from $1,000,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 2.10% APY · checked 10 times
1.60%2.10%2.60%Sep 24, 2026: 2.10% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 1.49% 1.50%
Min Deposit $10
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 9 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 1.24% 1.25%
Min Deposit $10
Min Balance $150,000
Details Balance: $150,000 - $249,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 24, 2026: 1.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market Plus 1.00% 1.00%
Min Deposit $10
Min Balance $75,000
Details Balance tier from $75,000
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 0.75% 0.75%
Min Deposit $10
Min Balance $75,000
Details Balance: $75,000 - $149,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 9 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 0.50% 0.50%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000 - $74,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 0.35% 0.35%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market 0.25% 0.25%
Min Deposit $10
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Business Money Market Plus 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Balance tier from $0
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 10 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Checking Rates

Product Rate APY View More
Money Market Checking 1.49% 1.50%
Min Deposit $10
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Checking 1.24% 1.25%
Min Deposit $10
Min Balance $150,000
Details Balance: $150,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 10 times
0.75%1.25%1.75%Sep 24, 2026: 1.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
IORTA Checking 1.04% 1.05%
Min Deposit $0
Min Balance $0
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 1.05% APY · checked 10 times
0.55%1.05%1.55%Sep 24, 2026: 1.05% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Checking 0.75% 0.75%
Min Deposit $10
Min Balance $75,000
Details Balance: $75,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 10 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Enterprise Checking with Interest 0.50% 0.50%
Min Deposit $10
Min Balance $150,000
Details Balance: $150,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 10 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Checking 0.50% 0.50%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 10 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Enterprise Checking with Interest 0.40% 0.40%
Min Deposit $10
Min Balance $100,000
Details Balance: $100,000 - $149,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 10 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Government Checking with Interest 0.35% 0.35%
Min Deposit $10
Min Balance $0
Details Balance: $0 and over
Last Updated 11/06/2026
Rate History
1 change since Sep 24, 2026 · 0.15% → 0.35% ▲ 0.20 pts · high 0.35% / low 0.15%
0.00%0.43%0.85%Sep 24, 2026: 0.15% APYOct 14, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
  • Oct 14, 20260.35%▲ from 0.15%
  • Sep 24, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Checking 0.35% 0.35%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
NSB Preferred Checking 0.35% 0.35%
Min Deposit $10
Min Balance $100,000
Details Balance: $100,000 minimum to obtain APY
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Enterprise Checking with Interest 0.30% 0.30%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
NSB Preferred Checking 0.30% 0.30%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000 minimum to obtain APY
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 10 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Enterprise Checking with Interest 0.25% 0.25%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 11/06/2026
Rate History
2 changes since Sep 24, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.35% / low 0.25%
0.00%0.43%0.85%Sep 24, 2026: 0.25% APYOct 14, 2026: 0.35% APYOct 22, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
  • Oct 22, 20260.25%▼ from 0.35%
  • Oct 14, 20260.35%▲ from 0.25%
  • Sep 24, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Money Market Checking 0.25% 0.25%
Min Deposit $10
Min Balance $0
Details Balance: $0 and over
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
NSB Preferred Checking 0.25% 0.25%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000 minimum to obtain APY
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Enterprise Checking with Interest 0.15% 0.15%
Min Deposit $10
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
NSB Preferred Checking 0.15% 0.15%
Min Deposit $10
Min Balance $1,500
Details Balance: $1,500 minimum to obtain APY
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Mortgage Rates

Product Rate Points APR Term View More
Conventional Mortgage - Fixed Rate 6.375% 0 6.478% 15 Years
Details Conforming loan limits apply (see page footnote); Monthly payment per thousand not recorded
Last Updated 11/06/2026
Rate History
2 changes since Oct 22, 2026 · 6.73% → 6.48% ▼ 0.25 pts · high 6.73% / low 6.48%
5.98%6.60%7.23%Oct 22, 2026: 6.73% APRNov 1, 2026: 6.60% APRNov 6, 2026: 6.48% APROct 22, 2026Nov 9, 2026
  • Nov 6, 20266.48%▼ from 6.60%
  • Nov 1, 20266.60%▼ from 6.73%
  • Oct 22, 20266.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Conventional Mortgage - Fixed Rate 6.50% 0 6.583% 20 Years
Details Conforming loan limits apply (see page footnote); Monthly payment per thousand not recorded
Last Updated 11/06/2026
Rate History
2 changes since Oct 22, 2026 · 6.96% → 6.58% ▼ 0.38 pts · high 6.96% / low 6.58%
6.08%6.77%7.46%Oct 22, 2026: 6.96% APRNov 1, 2026: 6.71% APRNov 6, 2026: 6.58% APROct 22, 2026Nov 9, 2026
  • Nov 6, 20266.58%▼ from 6.71%
  • Nov 1, 20266.71%▼ from 6.96%
  • Oct 22, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Conventional Mortgage - Fixed Rate 6.875% 0 6.939% 30 Years
Details Conforming loan limits apply (see page footnote); Monthly payment per thousand not recorded
Last Updated 11/06/2026
Rate History
2 changes since Oct 22, 2026 · 7.19% → 6.94% ▼ 0.25 pts · high 7.19% / low 6.94%
6.44%7.06%7.69%Oct 22, 2026: 7.19% APROct 27, 2026: 7.07% APRNov 6, 2026: 6.94% APROct 22, 2026Nov 9, 2026
  • Nov 6, 20266.94%▼ from 7.07%
  • Oct 27, 20267.07%▼ from 7.19%
  • Oct 22, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
NSB Pathway Mortgage - Fixed Rate 30 Years 6.875% 0 6.939% 30 Years
Details Receive $1,000 toward closing costs upon completing a homebuyer education course; Approval subject to NSB underwriting and credit eligibility requirements
Last Updated 11/06/2026
Rate History
No change since Nov 6, 2026 · 6.94% APR
6.44%6.94%7.44%Nov 6, 2026: 6.94% APRNov 6, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Jumbo Mortgage Fixed 7.125% 0 7.19% 30 Years
Details Jumbo Mortgage Fixed - 1 to 4 Family Primary Residence and Single Family Second Homes; Jumbo loan amount $1,000,001-$1.5MM; Monthly Payment per Thousand Borrowed: $6.74
Last Updated 11/06/2026
Rate History
1 change since Oct 12, 2026 · 7.69% → 7.19% ▼ 0.50 pts · high 7.69% / low 7.19%
6.69%7.44%8.19%Oct 12, 2026: 7.69% APRNov 6, 2026: 7.19% APROct 12, 2026Nov 9, 2026
  • Nov 6, 20267.19%▼ from 7.69%
  • Oct 12, 20267.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Conventional Mortgage - 7 Year Adjustable Rate 6.875% 0 7.202% 30 Years
Details Adjustable rate; initial interest rate is in effect for the first 7 years; Conforming loan limits apply (see page footnote)
Last Updated 11/06/2026
Rate History
1 change since Oct 22, 2026 · 7.14% → 7.20% ▲ 0.07 pts · high 7.20% / low 7.14%
6.64%7.17%7.70%Oct 22, 2026: 7.14% APRNov 1, 2026: 7.20% APROct 22, 2026Nov 9, 2026
  • Nov 1, 20267.20%▲ from 7.14%
  • Oct 22, 20267.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - 6 Year Fixed 6.375% 0 6.375% 6 Years
Details 72 monthly payments
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.38% APR · checked 4 times
5.88%6.38%6.88%Oct 22, 2026: 6.38% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Home Equity Loan - 10 Year Fixed 6.50% 0 6.50% 10 Year
Details Fixed rate; 120 monthly payments
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR · checked 4 times
6.00%6.50%7.00%Oct 22, 2026: 6.50% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Home Equity Line of Credit 80% CLTV 6.75% 0 6.75%
Details Adjustable rate tied to Wall Street Journal Prime; maximum APR 18%; 12 year draw period followed by 15 year repayment period
Last Updated 11/06/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 16, 2026: 6.50% APROct 14, 2026: 6.75% APRSep 16, 2026Nov 9, 2026
  • Oct 14, 20266.75%▲ from 6.50%
  • Sep 16, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Home Equity Line of Credit 90% CLTV 7.00% 0 7.00%
Details Adjustable rate, Annual Percentage Rate based on Wall Street Money Rate Section Prime, may adjust monthly; maximum APR 18%; 12 year draw period followed by 15 year repayment period; approval subject to NSB underwriting and credit eligibility
Last Updated 11/06/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 16, 2026: 6.75% APRSep 24, 2026: 7.00% APRSep 16, 2026Nov 9, 2026
  • Sep 24, 20267.00%▲ from 6.75%
  • Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Home Equity Loan - 15 Year Fixed 7.00% 0 7.00% 15 years
No additional details.
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR · checked 4 times
6.50%7.00%7.50%Oct 22, 2026: 7.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Home Equity Loan - 20 Year Fixed 7.50% 0 7.50% 20 Years
Details 240 Monthly Payments per Thousand Borrowed: $8.06; Payment Information
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR · checked 4 times
7.00%7.50%8.00%Oct 22, 2026: 7.50% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - New - - 4.625% 2 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 4.63% APR · checked 5 times
4.13%4.63%5.13%Oct 14, 2026: 4.63% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New - - 4.875% 3 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 4.88% APR · checked 5 times
4.38%4.88%5.38%Oct 14, 2026: 4.88% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New - - 5.125% 4 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.13% APR · checked 5 times
4.63%5.13%5.63%Oct 14, 2026: 5.13% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New - - 5.175% 5 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.18% APR · checked 5 times
4.68%5.18%5.68%Oct 14, 2026: 5.18% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New - - 5.375% 6 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.38% APR · checked 5 times
4.88%5.38%5.88%Oct 14, 2026: 5.38% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old - - 5.615% 1-3 years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.62% APR · checked 5 times
5.12%5.62%6.12%Oct 14, 2026: 5.62% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old - - 5.865% 4 years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 5.87% APR · checked 6 times
5.37%5.87%6.37%Sep 16, 2026: 5.87% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old - - 6.115% 5 years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.12% APR · checked 6 times
5.62%6.12%6.62%Sep 16, 2026: 6.12% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 4-7 Years Old - - 6.615% 3 years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Sep 16, 2026 · 6.62% APR · checked 6 times
6.12%6.62%7.12%Sep 16, 2026: 6.62% APRSep 16, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle - New Loan - 5.125% 2 Years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.13% APR · checked 5 times
4.63%5.13%5.63%Oct 14, 2026: 5.13% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan - 5.375% 3 Years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.38% APR · checked 5 times
4.88%5.38%5.88%Oct 14, 2026: 5.38% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan - 5.625% 4 Years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.63% APR · checked 5 times
5.13%5.63%6.13%Oct 14, 2026: 5.63% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan - 5.875% 5 Years
Details Down Payment: 10%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 5.88% APR · checked 5 times
5.38%5.88%6.38%Oct 14, 2026: 5.88% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - 1-3 Years Old Loan - 6.115% 1-3 years
Details Vehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.12% APR · checked 5 times
5.62%6.12%6.62%Oct 14, 2026: 6.12% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan - 6.125% 6 Years
Details Down Payment: 20%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.13% APR · checked 5 times
5.63%6.13%6.63%Oct 14, 2026: 6.13% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - 1-3 Years Old Loan - 6.365% 4 Years
Details Vehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.37% APR · checked 5 times
5.87%6.37%6.87%Oct 14, 2026: 6.37% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - 1-3 Years Old Loan - 6.615% 5 Years
Details Vehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.62% APR · checked 5 times
6.12%6.62%7.12%Oct 14, 2026: 6.62% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Personal Loan Rates

Product APR Term View More
Personal Loan - Energy Improvement 6.75% 7 years
Details Down Payment: 0%
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Oct 14, 2026: 6.75% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%

Northfield Savings Bank Other Rates

Product Rate Points APY/APR Term View More
Construction Loan - Fixed Rate 7.125% 0 7.19% 30 Years
Details Construction loan up to $900,000
Last Updated 11/06/2026
Rate History
3 changes since Oct 8, 2026 · 7.69% → 7.19% ▼ 0.50 pts · high 7.69% / low 7.19%
6.69%7.44%8.19%Oct 8, 2026: 7.69% APROct 22, 2026: 7.44% APROct 27, 2026: 7.32% APRNov 6, 2026: 7.19% APROct 8, 2026Nov 9, 2026
  • Nov 6, 20267.19%▼ from 7.32%
  • Oct 27, 20267.32%▼ from 7.44%
  • Oct 22, 20267.44%▼ from 7.69%
  • Oct 8, 20267.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Land Loan - 5 Year Adjustable Rate 6.625% 0 7.065% 15 Years
Details Adjustable rate loan; initial interest rate is in effect for the first 5 years
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 7.07% APR · checked 5 times
6.57%7.07%7.57%Oct 14, 2026: 7.07% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Vermont Housing Finance Agency (VHFA)(Servicing Released) - MOVE Loan 6.75% 0 6.796% 30 Years
Details VHFA's APR is based on 5% down payment with PMI. 100% financing also available with rural development guarantee. VHFA program limits apply. Servicing released: Sale of the loan where all obligations and administration of the loan are released or transferred to another servicing agent.
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 6.80% APR · checked 5 times
6.30%6.80%7.30%Oct 14, 2026: 6.80% APROct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
VHFA MOVE (Servicing Released) Loan 6.75% 0 6.796% 30 Years
Details Vermont Housing Finance Agency (VHFA) program; VHFA APR is based on 5% down payment with PMI; servicing released
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 6.80% APR · checked 4 times
6.30%6.80%7.30%Oct 22, 2026: 6.80% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Northfield Savings Bank’s Texas Ratio stayed near 4.01% in Q3 2023 to 3.85% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 2.1% 2.0★ 4.1% 3.0★ 6.2% 4.0★ 8.2% 5.0★ Healthy zone – entire history below the 15% limit 4.01% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 3.85% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.6B3.85%5.0A+
March 31, 2026$1.6B4.11%5.0A+
December 31, 2025$1.6B4.40%5.0A+
September 30, 2025$1.6B6.09%5.0A
June 30, 2025$1.6B5.21%5.0A+
March 31, 2025$1.6B5.02%5.0A+
December 31, 2024$1.6B4.01%5.0A+
September 30, 2024$1.5B1.55%5.0A+
June 30, 2024$1.5B1.60%5.0A+
March 31, 2024$1.5B3.62%5.0A+
December 31, 2023$1.5B3.70%5.0A+
September 30, 2023$1.4B4.01%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Northfield Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Northfield Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Northfield Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Northfield Savings Bank
Website https://www.nsbvt.com
Address 33 S Main St, Northfield, VT 05663  ·  Washington
Bank Holding Company NORTHFIELD MHC
FDIC Certificate # 14140
Regulator FDIC
Established November 21, 1867
FDIC Insurance Date March 31, 1934
Domestic Offices 13
Total Branches 13
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.85%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7117%
Return on Equity (ROE)
7.3300%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
$1,576,574,000
Total Deposits
$1,329,504,000
Equity Capital
$156,821,000
Net Income
$5,650,000
Headquarters
Northfield
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Northfield Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/northfield-savings-bank-rates-review-14140">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Northfield Savings Bank

Does Northfield Savings Bank offer CDs?

Yes. Northfield Savings Bank current CD rates include its 24-Month CD at 3.75% APY, its 60-Month CD at 3.05% APY and its 12-Month Flex CD at 3.00% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Northfield Savings Bank FDIC insured?

Yes. Northfield Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Northfield Savings Bank?

The highest Northfield Savings Bank CD rate is its 11-Month CD Special at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Northfield Savings Bank offer?

Northfield Savings Bank CD rates are 3.00% APY for a 12 month CD, 3.75% APY for a 2 year CD, 2.85% APY for a 3 year CD, 2.95% APY for a 4 year CD and 3.05% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Northfield Savings Bank for its full lineup.

What is the highest savings rate at Northfield Savings Bank?

The highest Northfield Savings Bank savings rate is its Business Savings Account at 0.60% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Northfield Savings Bank?

The highest Northfield Savings Bank money market rate is its Business Money Market Plus at 2.65% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Northfield Savings Bank?

The highest Northfield Savings Bank checking rate is its Money Market Checking at 1.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at Northfield Savings Bank?

The lowest Northfield Savings Bank 30 year fixed mortgage rate is its NSB Pathway Mortgage - Fixed Rate 30 Years at 6.875%, verified by MonitorBankRates as of November 6, 2026. Northfield Savings Bank mortgage rates are 6.875% for a 30 year mortgage and 6.875% for a 7 year mortgage.

What is the lowest auto loan rate at Northfield Savings Bank?

The lowest Northfield Savings Bank auto loan rate is its Auto Loan - New at 4.625% APR, verified by MonitorBankRates as of November 6, 2026. Northfield Savings Bank auto loan rates are 5.615% APR for a 36 month auto loan and 6.615% APR for an 84 month auto loan.

What is the lowest personal loan rate at Northfield Savings Bank?

The lowest Northfield Savings Bank personal loan rate is its Personal Loan - Energy Improvement at 6.75% APR, verified by MonitorBankRates as of November 6, 2026.

How many branches does Northfield Savings Bank operate?

Northfield Savings Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Northfield Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northfield Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Northfield Savings Bank offer online and mobile banking?

Most modern institutions like Northfield Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nsbvt.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Northfield Savings Bank rates compare?

Northfield Savings Bank's top CD rate of 3.75% APY on an 11 month CD is 25% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. Northfield Savings Bank's top rates are its 11-Months 11-Month CD Special at 3.75% APY, its Business Savings Account at 0.60% APY, its Business Money Market Plus at 2.65% APY, its IORTA Checking at 1.05% APY, its Conventional Mortgage - Fixed Rate at 6.375% and its Personal Loan - Energy Improvement at 6.75% APR, verified by MonitorBankRates on November 6, 2026.

Current Northfield Savings Bank Rates

  • 12-Month CD2.75%
  • 24-Month CD2.85%
  • 36-Month CD2.85%
  • 48-Month CD2.95%
  • 60-Month CD3.05%
  • Savings0.60%
  • MMA2.65%
Retrieved from our database of financial products. Rates subject to change.

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