CD Promotion Information

Personal Banking

Rates up to1 Transactions allowed ATM / Debit card available Checks and bill pay available Minimum to open Other features and benefits
ultimate savings 3.25 Up to six withdrawals per month2 $100 Earn up to 3.25% APY on balances over $25,0004.
kid's savings 1.50 Up to six withdrawals per month2 $10 Earn 1.50% APY on balances up to $1,0005
ultimate money market 3.25 Up to six withdrawals per month2 $100 Earn up to 3.25% APY on balances over $25,0004.
free checking no interest Unlimited $100 Up to $15 in foreign ATM refunds each month
interest checking 0.30 Unlimited $2,500 Up to $15 in foreign ATM refunds each month
certificate of deposit (CD) 2.15 None $1,000 CD terms available between 7 days - 60 months
11-month CD special* 5.30 None $25,000 11-month term. New money only.
health savings account (HSA) 0.50 Unlimited $100 No minimum balance or monthly service charge
individual retirement account (IRA) 0.35 Varies by IRA type and person's age3 $1,000 Savings and CD investment options

Business Banking

Rates up to1 Minimum daily balance to avoid fee Minimum to open Deposits & withdrawals
business checking no interest $5 fee if balance falls below $1,000 average daily balance6 $1,000 250 free transaction per month7
business plus checking 0.10 $10 fee if balance falls below $1,000 average daily balance6 $1,000 500 free transaction per month7
business money market savings 0.358 n/a $1,000 Unlimited in-person transactions. Up to six (6) transfers per month2
business certificate of deposit (CD) 0.60 n/a $1,000 n/a
1 - Annual Percentage Yield effective 07/18/2024. Rates are subject to change without notice. Fees may reduce earnings on the account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers. 2 - Transactions made via ACH, automatic transfer, check, mobile banking, phone banking, or online banking are limited to six (6) per month. 3 - IRS penalties may also apply. Visit irs.gov for complete details. 4 - Annual Percentage Yield effective 07/18/2024. Rates are subject to change without notice. 3.25% APY paid on balances between $25,000 - $3,000,000. Fees may reduce earnings on account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers. 5 – Annual Percentage yield effective 07/18/2024. Rates are subject to change without notices. 1.50% APY paid on balances up to $1,000. If the balance in the account exceeds $1,000 the amount in excess of $1,000 but less than $10,000 will earn interest at a rate of 1.11%. If the balance in the account exceeds $10,000, the first $1,000 will earn 1.49%, the portion of the balance between $1,000 - $10,000.00 will earn 1.11%, and any portion of the balance equal to and above $10,000 will earn 0.34%. Fees may reduce earnings on the account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers. 6 – Monthly fee waived with $1,000 average minimum balance OR enrollment in eStatements. 7 – $0.25 fee for each additional item. 8 – Annual Percentage Yield effective 07/18/2024. Rates subject to change without notice. 0.35% APY paid on balances between $5,000 - $2,000,000. Fees may reduce earnings on the account. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers.
*11-Month CD Special Terms & Conditions: Annual Percentage Yield is accurate as of January 16, 2024. Minimum deposit of $25,000 required. All new accounts are subject to Northpointe Bank approval. Not valid with any other offers or promotions. Fees may reduce earnings on the account. Subject to penalty for early withdrawal. Funds already on deposit with Northpointe Bank in any other account within the 60 days preceding the date that the new Account is opened may not be used to qualify for this offer. Other terms and conditions may apply. Northpointe Bank reserves the right to suspend, modify or revoke this offer at any time.