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Northfield Savings Bank


Overview / Commentary
www.nsbvt.com
800-672-2274
33 South Main Street
Northfield, VT 05663

Northfield Savings Bank is headquartered in NORTHFIELD and is the largest bank in the state of Vermont. It is also the 734th largest bank in the nation. It was established in 1867 and as of June of 2024, it had grown to 176 employees at 14 locations. Northfield Savings Bank's money market rates are 5X the national average, and it has an A health rating.

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Reviews (2)

Great Bank

Posted by: |

I think Northfield Savings Bank is "the" bank in Vermont. The decision making is done in Vermont and you don't need to wait weeks for an answer. Their rates are VERY competitive with out of state banks. They donate a great deal to charities as well.

1

Dirty Fees

Posted by: |

I have been a customer of NSB for almost 40 years now. I have a savings account, which I called my rainy day money. I luckily never had used it and didn’t pay attention to it because they don’t give you anything for interest. I suppose it’s my fault for not opening the statements but one day I did open one and realized they have been charging me an inactivity fee each month. So let me get this straight, you use my money for your business don’t pay hardly anything for interest and because I didn’t check a balance, withdraw any money, or add any money you are going to steal my money after you have already been using it. It’s not like you don’t know if I’m alive or dead. I use my checking account there all the time. I think you need to rethink your policy, because right now I would only recommend your bank to other people When pigs fly.

4


Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #14140
Year Established1867
Employees176
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD3.46%
Annual Interest Income$28.3MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.5B$1.46B
LoansQ2 2024vs Q2 2023$1.07B$1B
DepositsQ2 2024vs Q2 2023$1.2B$1.14B
Equity CapitalQ2 2024vs Q2 2023$127.6MM$119.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$8.6MM$8.3MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$2MM$4.5MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Northfield Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Northfield Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-Business Savings
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $25k | 0.45% → $25k - $50k
0.35%$0-Health Savings Account
0.25%$0-Regular Savings
0.25%$0-Club Savings
0.25%$0-Youth Savings

Northfield Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%*$2.5m*-Business Money Market Plus
OTHER TIERS: 0.50% → $0 - $75k | 1.25% → $75k - $250k | 2.00% → $250k - $1000k | 2.75% → $1m - $2.5m
2.00%*$250k*-Business Money Market
OTHER TIERS: 0.45% → $0 - $25k | 0.60% → $25k - $50k | 0.75% → $50k - $75k | 1.01% → $75k - $150k | 1.50% → $150k - $250k
2.00%*$250k*-Money Market Checking
OTHER TIERS: 0.45% → $0 - $25k | 0.60% → $25k - $50k | 0.75% → $50k - $75k | 1.01% → $75k - $150k | 1.50% → $150k - $250k
0.60%*$50k*-Money Market Savings
OTHER TIERS: 0.25% → $500 - $10k | 0.35% → $10k - $25k | 0.45% → $25k - $50k

Northfield Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$0-IORTA Checking
1.25%$0-IOLTA Checking
0.50%*$150k*-Enterprise Checking with Interest
OTHER TIERS: 0.15% → $0 - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $150k
0.35%*$100k*-NSB Preferred Checking
OTHER TIERS: 0.15% → $1.5k - $25k | 0.25% → $25k - $50k | 0.30% → $50k - $100k

Northfield Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$1k-9 Month CD Special
2.25%$1k-12 Month Flex CD
2.00%$1k-60 Month CD
1.85%$1k-48 Month CD
1.70%$1k-36 Month CD
1.60%$1k-24 Month CD
1.50%$1k-6 Month CD
1.50%$1k-12 Month CD

Northfield Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.60%$0-9 Month IRA Special
2.00%$0-60 Month IRA
1.85%$0-48 Month IRA
1.70%$0-36 Month IRA
1.60%$0-24 Month IRA
1.50%$0-6 Month IRA
1.50%$0-12 Month IRA
Locations

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