What are the current interest rates at Northfield Savings Bank?

Current rates for Northfield Savings Bank include: 12-Month CD: 2.75%, 24-Month CD: 3.75%, 36-Month CD: 2.85%, 48-Month CD: 2.95%, 60-Month CD: 3.05%, Savings: 0.60%, MMA: 2.65%

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Northfield Savings Bank

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Northfield Savings Bank Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Northfield Savings Bank's top rates as of October 12, 2026 are 3.75% APY on its 11-Month CD Special, 0.60% APY on savings, 2.65% APY on money market accounts, 1.05% APY on checking, 6.625% on its Land Loan 5/1 ARM mortgage, and auto loans from 4.625% APR, according to rates verified by MonitorBankRates. Other Northfield Savings Bank CD rates include 11-Month IRA CD Special at 3.75%, 24-Months 24-Month CD at 3.75%, and 24-Months 24-Month IRA CD at 3.75%. Other Northfield Savings Bank mortgage rates include Conforming Fixed Rate Mortgage at 6.875%, Fixed Rate Mortgage - Conventional Mortgages (See conforming loan limits below. ) at 6.875%, and Conforming Fixed Rate Mortgage at 7.25%. 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 10/12/2026.

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.

Verified Healthy Q2 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

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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
11 Month CD Special	3.68%	3.75%	11 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
11 Month IRA CD Special	3.68%	3.75%	11 Month
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
24 Month CD	3.68%	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
24 Month IRA CD	3.68%	3.75%	24 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
60 Month CD	3.00%	3.05%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
60 Month IRA CD	3.00%	3.05%	60 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month Flex CD	2.96%	3.00%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
48 Month CD	2.91%	2.95%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
48 Month IRA CD	2.91%	2.95%	48 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
36 Month CD	2.81%	2.85%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
36 Month IRA CD	2.81%	2.85%	36 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month CD	2.71%	2.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month IRA CD	2.71%	2.75%	12 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month Rollover CD	2.71%	2.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month Rollover IRA CD	2.71%	2.75%	12 Month
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
6 Month CD	2.47%	2.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
6 Month IRA CD	2.47%	2.50%	6 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Business CD Rates

Product	Rate	APY	Term
Business 11 Month CD Special	3.68%	3.75%	11 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 11 Month IRA CD Special	3.68%	3.75%	11 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 24 Month CD	3.68%	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 24 Month IRA CD	3.68%	3.75%	24 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 60 Month CD	3.00%	3.05%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 60 Month IRA CD	3.00%	3.05%	60 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 12 Month Flex CD	2.96%	3.00%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 48 Month CD	2.91%	2.95%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 48 Month IRA CD	2.91%	2.95%	48 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 36 Month CD	2.81%	2.85%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 36 Month IRA CD	2.81%	2.85%	36 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 12 Month CD	2.71%	2.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 12 Month IRA CD	2.71%	2.75%	12 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 12 Month Rollover CD	2.71%	2.75%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 12 Month Rollover IRA CD	2.71%	2.75%	12 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 6 Month CD	2.47%	2.50%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business 6 Month IRA CD	2.47%	2.50%	6 months
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Savings Rates

Product	Rate	APY
Government Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.45%	0.45%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.35%	0.35%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.25%	0.25%
Min Deposit $10 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Business Savings Rates

Product	Rate	APY
Business Government Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Money Market Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Savings Account	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Savings	0.45%	0.45%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Money Market Savings	0.45%	0.45%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 4 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Savings	0.35%	0.35%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Health Savings Account (HSA)	0.35%	0.35%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Club Savings	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Savings	0.25%	0.25%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Regular Savings	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Money Market Rates

Product	Rate	APY
Government Money Market	2.62%	2.65%
Min Deposit $10 Min Balance $2,500,000 Details Balance: $2,500,000 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 5 times 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 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 5 times 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 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.65% APY · checked 5 times 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 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.45%	0.45%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.35%	0.35%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Savings	0.25%	0.25%
Min Deposit $10 Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Business Money Market Rates

Product	Rate	APY
Business Government Money Market	2.62%	2.65%
Min Deposit $10 Min Balance $2,500,000 Details Balance: $2,500,000 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Money Market Plus	2.62%	2.65%
Min Deposit $10 Min Balance $2,500,000 Details Balance: $2,500,000 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Money Market	2.23%	2.25%
Min Deposit $10 Min Balance $1,000,000 Details Balance: $1,000,000 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.25% APY · checked 4 times 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: $1,000,000 - $2,499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Money Market	1.64%	1.65%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.65% APY · checked 4 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Money Market	1.00%	1.00%
Min Deposit $10 Min Balance $75,000 Details Balance: $75,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times 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: $75,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Money Market Savings	0.60%	0.60%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.60% APY · checked 4 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Money Market Savings	0.45%	0.45%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Money Market	0.35%	0.35%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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: $0 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Checking Rates

Product	Rate	APY
Money Market Checking	1.49%	1.50%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times 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 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 24, 2026 · 1.05% APY · checked 5 times 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 - $149,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.75% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Government Checking with Interest	0.50%	0.50%
Min Deposit $10 Min Balance $150,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times 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 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Government Checking with Interest	0.40%	0.40%
Min Deposit $10 Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 5 times 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 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Government Checking with Interest	0.30%	0.30%
Min Deposit $10 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Government Checking with Interest	0.25%	0.25%
Min Deposit $10 Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Government Checking with Interest	0.15%	0.15%
Min Deposit $10 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times 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 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Business Checking Rates

Product	Rate	APY
Business IORTA Checking	1.04%	1.05%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Enterprise Checking with Interest	0.50%	0.50%
Min Deposit $10 Min Balance $150,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Checking with Interest	0.50%	0.50%
Min Deposit $10 Min Balance $150,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Enterprise Checking with Interest	0.40%	0.40%
Min Deposit $10 Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Checking with Interest	0.40%	0.40%
Min Deposit $10 Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business NSB Preferred Checking	0.35%	0.35%
Min Deposit $10 Min Balance $100,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Enterprise Checking with Interest	0.30%	0.30%
Min Deposit $10 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Checking with Interest	0.30%	0.30%
Min Deposit $10 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business NSB Preferred Checking	0.30%	0.30%
Min Deposit $10 Min Balance $50,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Enterprise Checking with Interest	0.25%	0.25%
Min Deposit $10 Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Checking with Interest	0.25%	0.25%
Min Deposit $10 Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business NSB Preferred Checking	0.25%	0.25%
Min Deposit $10 Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Enterprise Checking with Interest	0.15%	0.15%
Min Deposit $10 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Government Checking with Interest	0.15%	0.15%
Min Deposit $10 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business NSB Preferred Checking	0.15%	0.15%
Min Deposit $10 Min Balance $1,500 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conforming Fixed Rate Mortgage	6.875%	0	6.98%	15 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Fixed Rate Mortgage - Conventional Mortgages (See conforming loan limits below. )	6.875%	0	6.98%	15 Years
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 6.85% → 6.98% ▲ 0.13 pts · high 6.98% / low 6.85% Sep 28, 20266.98%▲ from 6.85% Sep 24, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Land Loan 5/1 ARM	6.625%	0	7.114%	15 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Conforming Fixed Rate Mortgage	7.25%	0	7.335%	20 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Fixed Rate Mortgage - Conventional Mortgages (See conforming loan limits below. )	7.25%	0	7.335%	20 Years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 24, 2026 · 7.08% → 7.34% ▲ 0.25 pts · high 7.34% / low 7.08% Oct 1, 20267.34%▲ from 7.21% Sep 28, 20267.21%▲ from 7.08% Sep 24, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Conforming Fixed Rate Mortgage	7.375%	0	7.441%	30 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Fixed Rate Mortgage - Conventional Mortgages (See conforming loan limits below. )	7.375%	0	7.441%	30 Years
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 24, 2026 · 7.07% → 7.44% ▲ 0.38 pts · high 7.44% / low 7.07% Oct 8, 20267.44%▲ from 7.32% Oct 1, 20267.32%▲ from 7.19% Sep 28, 20267.19%▲ from 7.07% Sep 24, 20267.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
NSB Pathway Mortgage - Fixed Rate	7.375%	0	7.441%	30 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Jumbo Mortgage Fixed	7.625%	0	7.692%	30 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
6 Year Fixed Home Equity	6.375%	0	6.375%	72 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
10 Year Fixed Home Equity	6.50%	0	6.50%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
15 Year Fixed Home Equity	7.00%	0	7.00%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
20 Year Fixed Home Equity	7.50%	0	7.50%	240 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Business New Auto Loan	-	-	4.625%	2 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Auto Loan	-	-	4.625%	2 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business New Auto Loan	-	-	4.875%	3 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.88% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Auto Loan	-	-	4.875%	3 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business New Auto Loan	-	-	5.125%	4 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Auto Loan	-	-	5.125%	4 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business New Auto Loan	-	-	5.175%	5 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.18% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Auto Loan	-	-	5.175%	5 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.18% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business New Auto Loan	-	-	5.375%	6 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Auto Loan	-	-	5.375%	6 years
Details Down Payment: 0% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Auto Loan	-	-	5.615%	1-3 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 5.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Auto Loan	-	-	5.865%	4 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 5.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Auto Loan	-	-	6.115%	5 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.12% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
4-7 Years Old Auto Loan	-	-	6.615%	3 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 6.62% APR · checked 5 times 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
New Recreational Vehicle Loan	-	5.125%	2 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Recreational Vehicle Loan	-	5.375%	3 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Recreational Vehicle Loan	-	5.625%	4 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.63% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Recreational Vehicle Loan	-	5.875%	5 years
Details Down Payment: 10% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Recreational Vehicle Loan	-	6.115%	1-3 years
Details Down Payment: 20% Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 6.12% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Recreational Vehicle Loan	-	6.115%	3 years
Details Down Payment: 20%; 1-3 Years Old Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.12% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
New Recreational Vehicle Loan	-	6.125%	6 years
Details Down Payment: 20% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Recreational Vehicle Loan	-	6.365%	4 years
Details Down Payment: 20% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.37% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Recreational Vehicle Loan	-	6.365%	4 years
Details Down Payment: 20%; 1-3 Years Old Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
1-3 Years Old Recreational Vehicle Loan	-	6.615%	5 years
Details Down Payment: 20% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.62% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Recreational Vehicle Loan	-	6.615%	5 years
Details Down Payment: 20%; 1-3 Years Old Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Northfield Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
7 year Adjustable Rate Loan	6.625%	0	7.129%	30 Years
Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 6.76% → 7.13% ▲ 0.37 pts · high 7.13% / low 6.76% Oct 8, 20267.13%▲ from 6.94% Oct 1, 20266.94%▲ from 6.88% Sep 24, 20266.88%▲ from 6.76% Sep 16, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Credit builder Loan	-	-	5.50%	3 years
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Energy Improvement Loan	-	-	6.75%	7 years
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Construction Loan - Fixed Rate	7.625%	0	7.692%	30 Years
Details up to $900,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Credit builder Loan	-	-	5.50%	3 years
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Energy Improvement Loan	-	-	6.75%	7 years
Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Jumbo Mortgage Fixed - 1 to 4 Family Primary Residence and Single Family Second Homes	7.625%	0	7.692%	30 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
MOVE Loan	6.50%	0	6.545%	30 Years
Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.04% → 6.55% ▲ 0.50 pts · high 6.55% / low 6.04% Oct 3, 20266.55%▲ from 6.29% Sep 24, 20266.29%▲ from 6.04% Sep 16, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
VHFA MOVE Loan	6.50%	0	6.545%	30 Years
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.55% APR 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.6B	3.85%	5.0	A+
March 31, 2026	$1.6B	4.11%	5.0	A+
December 31, 2025	$1.6B	4.40%	5.0	A+
September 30, 2025	$1.6B	6.09%	5.0	A
June 30, 2025	$1.6B	5.21%	5.0	A+
March 31, 2025	$1.6B	5.02%	5.0	A+
December 31, 2024	$1.6B	4.01%	5.0	A+
September 30, 2024	$1.5B	1.55%	5.0	A+
June 30, 2024	$1.5B	1.60%	5.0	A+
March 31, 2024	$1.5B	3.62%	5.0	A+
December 31, 2023	$1.5B	3.70%	5.0	A+
September 30, 2023	$1.4B	4.01%	5.0	A+

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

Institution Name Northfield Savings Bank

Bank Holding Company NORTHFIELD MHC

Address 33 S Main St, Northfield, VT 05663 · Washington

Website https://www.nsbvt.com

FDIC Certificate # 14140

Established 18671121

FDIC Insurance Date 19340331

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.85%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7117%

Return on Equity (ROE) 7.3300%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northfield Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Northfield Savings Bank

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.

Current Northfield Savings Bank Rates

12-Month CD2.75%
24-Month CD3.75%
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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Northfield Savings Bank Rates & Review October 2026

Brian McKay

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Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Northfield Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northfield Savings Bank

How many branches does Northfield Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northfield Savings Bank offer online and mobile banking?

Current Northfield Savings Bank Rates

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