Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Northfield Savings Bank Rates & Review September 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: September 5, 2026
Northfield Savings Bank's 11-Month CD Special rates are at 3.50%, 11-Month IRA CD Special rates are at 3.50%, Business 11-Month CD Special rates are at 3.50%, Business 11-Month IRA CD Special rates are at 3.50%, 24-Month CD rates are at 3.25%. Northfield Savings Bank's savings rates are at 0.25%. Northfield Savings Bank's money market rates are at 0.25%. 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 09/05/2026.
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.
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; the amber line marks the 15% level a bank must stay under to qualify 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 Grade15% Verified Healthy threshold
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 NameNorthfield Savings Bank
Bank Holding CompanyNORTHFIELD MHC
Address
33 S Main St,
Northfield, VT 05663 · Washington
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 — no need to download or upload anything.
Want to discuss Northfield Savings Bank with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Northfield Savings Bank
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 CD3.25%
36-Month CD1.60%
48-Month CD1.75%
60-Month CD2.00%
Savings0.25%
MMA0.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
