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Northfield Savings Bank Rates and Review February 2026

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Brian McKay Brian McKay
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  3. Northfield Savings Bank Deposit Rates
Northfield Savings Bank's savings rates are at 1.60%. You can compare Northfield Savings Bank rates to other rates in our database, including 12-month CD rates currently at 3.25%, 6-month CD rates at 2.60% and 3-month CD rates at 1.65%. Savings rates are at 1.01% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.05%. All these rates, and more, can be found in our database of rates which you can compare to Northfield Savings Bank rates.

Northfield Savings Bank

Rate Updates and Availability

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.

Northfield Savings Bank Texas Ratio

Northfield Savings Bank's Texas Ratio is at 4.01%, which is considered excellent. The Texas Ratio for Northfield Savings Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0
Excellent
Out of 5.0 Stars

Northfield Savings Bank has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Northfield Savings Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs. Avg
12-Month CD
N/A
2.38%
18-Month CD
N/A
2.14%
24-Month CD
N/A
2.17%
36-Month CD
N/A
2.11%
48-Month CD
N/A
2.10%
60-Month CD
N/A
2.23%
Savings
1.60%
0.60%
MMA
N/A
0.75%
30-Year Fixed
N/A
6.09%
Credit Card
N/A
14.10%
Personal Loan
N/A
11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Northfield Savings Bank
33 S Main St
Northfield, VT 05663
Member FDIC
MonitorBankRates
Official Financial Rating
5.0
★★★★★
EXCELLENT
🏆

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Northfield Savings Bank Savings Rates

Product Rate APY View More
Regular Savings 3.25% 3.30%
Min Deposit$1,000
Min Balance$1,000
Last Updated 02/16/2026
Regular Savings 1.59% 1.60%
Min Deposit$1,000
Min Balance$1,000
Last Updated 02/16/2026

Northfield Savings Bank Checking Rates

Product Rate APY View More
Business Checking 2.47% 2.50%
Min Deposit$10
Min Balance$2,500,000
Last Updated 02/16/2026
Checking Account 2.47% 2.50%
Min Deposit$10
Min Balance$2,500,000
Last Updated 02/16/2026
Business Checking 2.13% 2.15%
Min Deposit$10
Min Balance$1,000,000
Last Updated 02/16/2026
Checking Account 2.13% 2.15%
Min Deposit$10
Min Balance$1,000,000
Last Updated 02/16/2026
Business Checking 1.98% 2.00%
Min Deposit$10
Min Balance$1,000,000
Last Updated 02/16/2026
Business Checking 1.64% 1.65%
Min Deposit$10
Min Balance$250,000
Last Updated 02/16/2026
Checking Account 1.64% 1.65%
Min Deposit$10
Min Balance$250,000
Last Updated 02/16/2026
Business Checking 1.49% 1.50%
Min Deposit$10
Min Balance$250,000
Last Updated 02/16/2026
Checking Account - 1.50%
Min Deposit$10
Min Balance$250,000
Last Updated 02/16/2026
Checking Account - 1.25%
Min Deposit$10
Min Balance$150,000
Last Updated 02/16/2026
Checking Account 1.04% 1.05%
Min Deposit$0
Min Balance$0
Last Updated 02/16/2026
Business Checking 1.00% 1.00%
Min Deposit$10
Min Balance$75,000
Last Updated 02/16/2026
Checking Account 1.00% 1.00%
Min Deposit$10
Min Balance$75,000
Last Updated 02/16/2026
Checking Account - 0.75%
Min Deposit$10
Min Balance$75,000
Last Updated 02/16/2026
Business Checking 0.60% 0.60%
Min Deposit$10
Min Balance$50,000
Last Updated 02/16/2026
Checking Account 0.60% 0.60%
Min Deposit$10
Min Balance$50,000
Last Updated 02/16/2026
Business Checking 0.50% 0.50%
Min Deposit$10
Min Balance$150,000
Last Updated 02/16/2026
Checking Account - 0.50%
Min Deposit$10
Min Balance$50,000
Last Updated 02/16/2026
Business Checking 0.45% 0.45%
Min Deposit$10
Min Balance$25,000
Last Updated 02/16/2026
Checking Account 0.45% 0.45%
Min Deposit$10
Min Balance$25,000
Last Updated 02/16/2026
Business Checking 0.40% 0.40%
Min Deposit$10
Min Balance$100,000
Last Updated 02/16/2026
Checking Account 0.40% 0.40%
Min Deposit$10
Min Balance$100,000
Last Updated 02/16/2026
Business Checking 0.35% 0.35%
Min Deposit$0
Min Balance$0
Last Updated 02/16/2026
Checking Account - 0.35%
Min Deposit$10
Min Balance$25,000
Last Updated 02/16/2026
Business Checking 0.30% 0.30%
Min Deposit$10
Min Balance$50,000
Last Updated 02/16/2026
Checking Account 0.30% 0.30%
Min Deposit$10
Min Balance$50,000
Last Updated 02/16/2026
Business Checking 0.25% 0.25%
Min Deposit$10
Min Balance$25,000
Last Updated 02/16/2026
Checking Account - 0.25%
Min Deposit$10
Min Balance$0
Last Updated 02/16/2026
Business Checking 0.20% 0.20%
Min Deposit$10
Min Balance$0
Last Updated 02/16/2026
Business Checking 0.15% 0.15%
Min Deposit$10
Min Balance$0
Last Updated 02/16/2026
Checking Account 0.15% 0.15%
Min Deposit$10
Min Balance$0
Last Updated 02/16/2026

Northfield Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan 0.20% - 0.20%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.00% - 1.00%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.29% - 1.30%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.39% - 1.39%
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan 1.39% - 1.40%
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan 1.49% - 1.50%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.59% - 1.60%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.73% - 1.75%
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan 1.98% - 1.98%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1.98% - 2.00%
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan 2.47% - 2.50%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 3.10% - 3.15%
No additional details.
Last Updated 02/16/2026
Home Equity Loan 3.25% - 3.30%
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 4.75%
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan Credit builder - - 5.50% 3 Years
Details0% Down Payment
Last Updated 02/16/2026
Home Equity Loan New - - 5.50% 2 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 5.75% 60 Months
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan New - - 5.75% 3 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan New - - 6.00% 4 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 6.25% 120 Months
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan New - - 6.25% 5 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan 6.38% - 6.38% 72 Months
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1-3 Years Old - - 6.49% 3 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 6.50% 180 Months
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan New - - 6.50% 6 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan 1-3 Years Old - - 6.74% 4 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 6.75% To see all rate options, apply online or visit your local branch
No additional details.
Last Updated 02/16/2026
Home Equity Loan Energy Improvement - - 6.75% 7 Years
Details0% Down Payment
Last Updated 02/16/2026
Home Equity Loan New - - 6.75% 5 Years
DetailsDown Payment: 10%, Monthly Payment per Thousand Borrowed: $19.68
Last Updated 02/16/2026
Home Equity Loan 1-3 Years Old - - 6.99% 5 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan 4-7 Years Old - - 6.99% 3 Years
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 7.00% 10 Years
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan New - - 7.00% 6 Years
DetailsDown Payment: 20%, Monthly Payment per Thousand Borrowed: $17.05
Last Updated 02/16/2026
Home Equity Loan 1-3 Years Old - - 7.24% 4 Years
DetailsDown Payment: 20%, Monthly Payment per Thousand Borrowed: $24.06
Last Updated 02/16/2026
Home Equity Loan - - 7.25% 15 Years
DetailsTo see all rate options, apply online or visit your local branch
Last Updated 02/16/2026
Home Equity Loan 1-3 Years Old - - 7.49% 5 Years
DetailsDown Payment: 20%, Monthly Payment per Thousand Borrowed: $20.03
Last Updated 02/16/2026
Home Equity Loan 7.50% - 7.50% 240 Months
No additional details.
Last Updated 02/16/2026
Home Equity Loan - - 7.75% 60 Months
DetailsRates as low as
Last Updated 02/16/2026
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.

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

Northfield Savings Bank
33 S Main St
Northfield, VT 05663
Washington
Established Date: 11/21/1867
FDIC Certificate #: 14140
Date of FDIC Deposit Insurance: 08/09/1989
Bank Holding Company: NORTHFIELD MHC
How Many Domestic U.S. Offices? 14
How Many Branches are There? 14
Is Northfield Savings Bank FDIC Insured? Yes
What is Northfield Savings Bank's Cert number? 14140
What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:
$1,501,419,000
Total Deposits:
$1,223,701,000
Equity Capital:
$125,756,000
Net Income:
$1,000,000
Return on Assets (ROA):
0.2826%
Return on Equity (ROE):
3.4500%
Headquarters:
Northfield
Regulator:
FDIC
# of Offices:
14
Source: FDIC | Last Updated 03/31/2024

Customer Reviews

FLph
★★★★★
December 17, 2025
geHn
Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About Northfield Savings Bank

How do I open an account at Northfield Savings Bank?

You can typically open an account at Northfield Savings Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Northfield Savings Bank provides a range of mortgage and home equity products.

Is Northfield Savings Bank a safe place to deposit money?

Yes, Northfield Savings Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Does Northfield Savings Bank offer online and mobile banking?

Most modern institutions like Northfield Savings Bank provide digital access including online balance checks and transfers.

Current Northfield Savings Bank Rates

ProductAPY
Savings1.60%

Rates subject to change.

Compare to other Banks