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Northfield Savings Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 22, 2026
Northfield Savings Bank's 11-Month CD Special rates are at 3.75%, 11-Month IRA CD Special rates are at 3.75%, 24-Month CD rates are at 3.75%, 24-Month IRA CD rates are at 3.75%, 6-Month IRA CD rates are at 3.75%. 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 6.625%, Vermont Housing Finance Agency (VHFA) MOVE Mortgage rates are at 6.75%, Conventional Mortgage - 7 Year Adjustable Rate rates are at 6.75%, NSB Pathway Mortgage - Fixed Rate rates are at 7.125%, Jumbo Mortgage Fixed - 30 Years rates are at 7.375%. Northfield Savings Bank's Personal Loan Rates are as low as 6.75%. 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 10/22/2026.
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.
Northfield Savings Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Northfield Savings Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.85%
ExcellentLower than avg
Northfield Savings Bank Texas Ratio
Northfield Savings Bank's Texas Ratio is 3.85%, which is considered excellent and is lower than the national average of 5.85%.
Northfield Savings Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.01% to 3.85% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
11 Month CD Special
3.68%
3.75%
11 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
24 Month CD
3.68%
3.75%
24 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6 Month IRA CD
3.68%
3.75%
6 Months
Min Deposit$50
Min Balance$0
DetailsShared rate block with 11 Month IRA CD Special on page
Last Updated10/22/2026
Rate History
1 change since Sep 28, 2026 · 2.50% → 3.75% ▲ 1.25 pts · high 3.75% / low 2.50%
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
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 3.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
60 Month IRA CD
3.00%
3.05%
60 Month
Min Deposit$50
Min Balance$0
DetailsA penalty may be imposed for early withdrawal from CDs held in an IRA, in addition to any penalties imposed by the IRS.
Last Updated10/22/2026
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12 Month Flex CD
2.96%
3.00%
12 months
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.95% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.95% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12 Month IRA CD
2.81%
2.85%
12 Months
Min Deposit$50
Min Balance$0
DetailsShared rate block with 12 Month Rollover IRA CD, 24 Month IRA CD and 36 Month IRA CD on page
Last Updated10/22/2026
Rate History
1 change since Sep 28, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
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
Min Deposit$50
Min Balance$0
DetailsRollover; shared rate block with 12 Month IRA CD, 24 Month IRA CD and 36 Month IRA CD on page
Last Updated10/22/2026
Rate History
1 change since Sep 28, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
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
Min Deposit$50
Min Balance$0
DetailsShared rate block with 12 Month IRA CD, 12 Month Rollover IRA CD and 36 Month IRA CD on page
Last Updated10/22/2026
Rate History
1 change since Sep 28, 2026 · 3.75% → 2.85% ▼ 0.90 pts · high 3.75% / low 2.85%
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
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.85% APY · checked 6 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 Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 6 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 Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
12 Month Rollover IRA CD
2.71%
2.75%
12 months
Min Deposit$50
Min Balance$0
Last Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.75% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6 Month CD
2.47%
2.50%
6 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
6 Month IRA CD
2.47%
2.50%
6 Month
Min Deposit$50
Min Balance$0
Last Updated10/22/2026
Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 6 times
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
DetailsBalance: $50,000.00 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 7 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
DetailsBalance: $25,000.00 - $49,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 7 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
DetailsBalance: $10,000.00 - $24,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 7 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
DetailsShared rate block with Money Market Savings on page
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 7 times
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
DetailsShared rate block with Health Savings Account (HSA) on page
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 6 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
DetailsBalance: $0 - any amount needed to earn APY
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 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
DetailsBalance: $0.00 - $9,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 times
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
DetailsMinimum balance to obtain APY: $50,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.60% APY · checked 7 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
DetailsMinimum balance to obtain APY: $25,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 7 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
DetailsMinimum balance to obtain APY: $10,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 7 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
DetailsMinimum balance to obtain APY: $500
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 times
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
DetailsBalance: $2,500,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 6 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
DetailsBalance: $1,000,000 to under $2,500,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 6 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
DetailsBalance: $250,000 to under $1,000,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 6 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
DetailsBalance: $75,000 to under $250,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 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
DetailsBalance: $0 to under $75,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 6 times
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
DetailsShared rate block with Health Savings Account (HSA) on page
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 6 times
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
DetailsBalance tier from $2,500,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 7 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
DetailsBalance tier from $1,000,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 2.10% APY · checked 7 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
DetailsBalance: $250,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 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
DetailsBalance: $150,000 - $249,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 6 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
DetailsBalance tier from $75,000
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 7 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
DetailsBalance: $75,000 - $149,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 6 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
DetailsBalance: $50,000 - $74,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 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
DetailsBalance: $25,000 - $49,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 6 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
DetailsBalance: $0 - $24,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 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
DetailsBalance tier from $0
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 7 times
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
DetailsBalance: $250,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 7 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
DetailsBalance: $150,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 7 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 Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 1.05% APY · checked 7 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
DetailsBalance: $75,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 7 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
DetailsBalance: $150,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 7 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
DetailsBalance: $50,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 7 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
DetailsBalance: $100,000 - $149,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 7 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
DetailsBalance: $25,000 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 7 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
DetailsBalance: $100,000 minimum to obtain APY
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 7 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
DetailsBalance: $50,000 - $99,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 7 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
DetailsBalance: $50,000 minimum to obtain APY
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 7 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
DetailsBalance: $25,000 - $49,999.99
Last Updated10/22/2026
Rate History
2 changes since Sep 24, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.35% / low 0.25%
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
DetailsBalance: $0 and over
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 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
DetailsBalance: $25,000 minimum to obtain APY
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 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
DetailsBalance: $0 - $24,999.99
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 7 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
DetailsBalance: $1,500 minimum to obtain APY
Last Updated10/22/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 7 times
DetailsBonus: Receive $1,000 toward closing costs upon completing a homebuyer education course; Approval subject to NSB underwriting and credit eligibility requirements
Last Updated10/22/2026
Rate History
1 change since Oct 8, 2026 · 7.44% → 7.19% ▼ 0.25 pts · high 7.44% / low 7.19%
Oct 22, 20267.19%▼ from 7.44%
Oct 8, 20267.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Jumbo Mortgage Fixed - 30 Years
7.375%
0
7.441%
30 Years
DetailsFixed Rate; Jumbo Loan Amount $1,000,001-$1.5MM - Special quotes available for >$1.5MM; 1 to 4 Family Primary Residence and Single Family Second Homes
Last Updated10/22/2026
Rate History
1 change since Oct 12, 2026 · 7.69% → 7.44% ▼ 0.25 pts · high 7.69% / low 7.44%
Oct 22, 20267.44%▼ from 7.69%
Oct 12, 20267.69%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
Details72 monthly payments
Last Updated10/22/2026
Rate History
No change since Oct 22, 2026 · 6.38% APR
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
DetailsFixed rate; 120 monthly payments
Last Updated10/22/2026
Rate History
No change since Oct 22, 2026 · 6.50% APR
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%
DetailsAdjustable rate; Annual Percentage Rate based on Wall Street Journal Prime; maximum APR 18%; 12 year draw period followed by 15 year repayment period
Last Updated10/22/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
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%
DetailsAdjustable rate based on Wall Street Journal Prime, may adjust monthly; maximum APR 18%; 12 year draw period followed by 15 year repayment period
Last Updated10/22/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
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 Updated10/22/2026
Rate History
No change since Oct 22, 2026 · 7.00% APR
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
Details240 Monthly Payments per Thousand Borrowed: $8.06; Payment Information
Last Updated10/22/2026
Rate History
No change since Oct 22, 2026 · 7.50% APR
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
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 4.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New
-
-
4.875%
3 years
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 4.88% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New
-
-
5.125%
4 years
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New
-
-
5.175%
5 years
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.18% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - New
-
-
5.375%
6 years
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old
-
-
5.615%
1-3 years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.62% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old
-
-
5.865%
4 years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Sep 16, 2026 · 5.87% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 1-3 Years Old
-
-
6.115%
5 years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Sep 16, 2026 · 6.12% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Auto Loan - 4-7 Years Old
-
-
6.615%
3 years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Sep 16, 2026 · 6.62% APR · checked 3 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
View More
Recreational Vehicle - New Loan
-
5.125%
2 Years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan
-
5.375%
3 Years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.38% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan
-
5.625%
4 Years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.63% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan
-
5.875%
5 Years
DetailsDown Payment: 10%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 5.88% APR · checked 2 times
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
DetailsVehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.12% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - New Loan
-
6.125%
6 Years
DetailsDown Payment: 20%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.13% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - 1-3 Years Old Loan
-
6.365%
4 Years
DetailsVehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.37% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
Recreational Vehicle - 1-3 Years Old Loan
-
6.615%
5 Years
DetailsVehicle Age: 1-3 Years Old; Down Payment: 20%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.62% APR · checked 2 times
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
DetailsDown Payment: 0%
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.75% 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
View More
Construction Loan - Fixed Rate
7.375%
0
7.441%
30 Years
Detailsup to $900,000; Construction loan up to $900,000; Monthly payment per thousand borrowed: $6.91
Last Updated10/22/2026
Rate History
1 change since Oct 8, 2026 · 7.69% → 7.44% ▼ 0.25 pts · high 7.69% / low 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
DetailsAdjustable rate loan; initial interest rate is in effect for the first 5 years
Last Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 7.07% APR · checked 2 times
DetailsVHFA'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 Updated10/22/2026
Rate History
No change since Oct 14, 2026 · 6.80% APR · checked 2 times
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
DetailsVermont Housing Finance Agency (VHFA) program; VHFA APR is based on 5% down payment with PMI; servicing released
Last Updated10/22/2026
Rate History
No change since Oct 22, 2026 · 6.80% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.85%
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.
Address
33 S Main St,
Northfield, VT 05663 · Washington
Bank Holding CompanyNORTHFIELD MHC
FDIC Certificate #14140
RegulatorFDIC
EstablishedNovember 21, 1867
FDIC Insurance DateMarch 31, 1934
Domestic Offices13
Total Branches13
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Northfield Savings Bank
Frequently Asked Questions About Northfield Savings Bank
Does Northfield Savings Bank offer CDs?
Yes. Northfield Savings Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.
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 CD rate MonitorBankRates has verified for Northfield Savings Bank is 3.75% APY on its 11-Months 11-Month CD Special, as of October 22, 2026.
What CD terms does Northfield Savings Bank offer?
The Northfield Savings Bank CD terms we track include 6 month, 11 month, 12 month, 2 year, 3 year, 4 year and 5 year terms. 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 savings rate MonitorBankRates has verified for Northfield Savings Bank is 0.60% APY on its Business Savings Account, as of October 22, 2026.
What is the highest money market rate at Northfield Savings Bank?
The highest money market rate MonitorBankRates has verified for Northfield Savings Bank is 2.65% APY on its Business Money Market Plus, as of October 22, 2026.
What is the highest checking rate at Northfield Savings Bank?
The highest checking rate MonitorBankRates has verified for Northfield Savings Bank is 1.50% APY on its Money Market Checking, as of October 22, 2026.
What is the lowest 30 year fixed mortgage rate at Northfield Savings Bank?
The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Northfield Savings Bank is 7.375% rate on its Jumbo Mortgage Fixed - 30 Years, as of October 22, 2026.
What is the lowest auto loan rate at Northfield Savings Bank?
The lowest auto loan rate MonitorBankRates has verified for Northfield Savings Bank is 4.625% APR on its Auto Loan - New, as of October 22, 2026.
What is the lowest personal loan rate at Northfield Savings Bank?
The lowest personal loan rate MonitorBankRates has verified for Northfield Savings Bank is 6.75% APR on its Personal Loan - Energy Improvement, as of October 22, 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 rates are 3.75% APY on its 11-Months 11-Month CD Special, 0.60% APY on savings, 2.65% APY on money market, 1.05% APY on checking, 6.625% on its Conventional Mortgage - Fixed Rate and personal loans from 6.75% APR, verified by MonitorBankRates on October 22, 2026. To compare Northfield Savings Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.
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.