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First Northern Bank and Trust Company


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.1stnorthern.bank
800-344-2274
Fourth St. &Lafayette Ave.
Palmerton, PA 18071

First Northern Bank and Trust Company is headquartered in PALMERTON and is the 49th largest bank in the state of Pennsylvania. It is also the 1,140th largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 141 employees at 11 locations. First Northern Bank and Trust Company has an A health rating.

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Health
A

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #7675
Year Established1907
Employees141
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD9.5%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$904.2MM$890.7MM
LoansQ1 2025vs Q1 2024$517.5MM$536.8MM
DepositsQ1 2025vs Q1 2024$756.6MM$767.8MM
Equity CapitalQ1 2025vs Q1 2024$121.8MM$112.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.8MM$9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$3MM
Real Estate OwnedQ1 2025vs Q1 2024$1.7MM$3.3MM
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Northern Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$100-Royal Savings Account
0.20%$1-Kid's Statement Savings
0.20%*$100k*-Paperless Savings
OTHER TIERS: 0.10% → $200 - $50k | 0.15% → $50k - $100k
0.15%$100-Student Savings
0.10%$20-All Purpose Club
0.10%$10-Christmas Club w/ automatic payments
0.05%$100-Statement Savings
0.05%$100-Business Statement Savings Account

First Northern Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Money Market Savings
0.05%$1k-Money Market Checking Account
0.05%$1k-Business Money Market Checking Account
0.05%$0-Business Money Market Savings

First Northern Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.34%$1k-Muni NOW Checking
0.05%$1k-Now Account
0.05%$1k-Business NOW Account

First Northern Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$1k-5 Year CD
1.30%$1k-5 Year Kid's CD
1.30%$1k-5 Year Royal CD
1.20%$1k-4 Year CD
1.10%$1k-3 Year CD
1.05%$1k-2½ Year CD
1.00%$1k-2 Year CD
0.90%$1k-1 Year CD
0.80%$1k-182 Day CD
0.50%$1k-91 Day CD

First Northern Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$1k-5 Year IRA
1.20%$1k-4 Year IRA
1.10%$1k-3 Year IRA
1.05%$1k-2½ Year IRA
1.00%$1k-2 Year IRA
0.95%$250-1½ Year Adjustable IRA
0.90%$1k-1 Year IRA
0.80%$1k-182 Day IRA
0.50%$1k-91 Day IRA
Locations

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