Deposit Rates

Rates effective as of: February 23, 2019 | Print friendly version

Savings

Ultimate Savings

(no min. to open)

BALANCE

RATE

APY*

$0.00 -$24,999.99

1.11%

1.12%

$25,000.00 - $1,000,100.00

1.93%

1.95%

$1,000,100.01+

1.11%

1.12%

Kid's Savings

(no min. to open)

BALANCE

RATE

APY*

$0.00-$1,000.00

1.49%

1.50%

$1,000+

1.11%

1.50% - 1.30%

Checking

Interest Checking

($2,500 min. deposit to open)

BALANCE

RATE

APY*

$0.00 - $2,499.99

0.00%

$2,500.00 - $9,999.99

.15%

$10,000.00 - $24,999.99

.15%

$25,000.00 - $99,999.99

.25%

$100,000.00 - 499,999.99

.30%

$500,000.00+

.30%

Free Checking

($100 min. deposit to open)

BALANCE

RATE

APY*

$0.01+

0.00%

Money Market

Ultimate Money Market

($1,000 min. deposit to open; 2.30% APY guaranteed for at least 24 months from date of opening new account)

BALANCE

RATE

APY*

$0.00 - $2,499.99

.20%

$2,500.00 - $24,999.99

.25%

$25,000.00 - $1,000,000.00

2.27%

2.30%

$1,000,000.01 +

.50%

CDs

Certificate of Deposit

($1,000 min. deposit to open)

BALANCE

RATE

APY*

7 - 91 Days

.30%

92 - 182 Days

.90%

6 - 11 Months

.99%

1.00%

12 - 17 Months

1.98%

2.00%

18 - 23 Months

2.03%

2.05%

19 Month **CD SPECIAL**

2.27%

2.30%

24 - 29 Months

2.08%

2.10%

30 - 35 Months

1.63%

1.65%

35 Month **CD SPECIAL**

2.47%

2.50%

36 - 47 Months

1.73%

1.75%

48 - 59 Months

2.22%

2.25%

60 Months

2.67%

2.70%

IRA & HSAs

IRA - Ultimate Money Market

($1,000 min. deposit to open)

BALANCE

RATE

APY*

$0.00 - $2,499.99

.20%

$2,500.00 - $24,999.99

.25%

$25,000.00 - $1,000,000.00

1.49%

1.50%

$1,000.000.01 +

.50%

Health Savings Account

(no min. to open)

BALANCE

RATE

APY*

$0.01+

.50%

Business Accounts

Business Money Market

($1,000 min. deposit to open)

BALANCE

RATE

APY*

$0.00 - $2,499.99

.20%

$2,500.00- $24,999.99

.25%

$25,000.00- $99,999.99

.40%

$100,000.00-$499,999.99

.50%

$500,000+

.50%

Business NOW Checking

($1,000 min. deposit to open)

BALANCE

RATE

APY*

$0.01 +

.10%

¹Ultimate Checking Account annual percentage yield (APY) is 1.00% on qualifying balances. ²If qualifications are not met during the statement period, the full account balance will earn interest at 0.05% APY for that statement period. Qualifications include $1,000 or more in debit card purchases that post and settle per the statement period and enrollment in eStatements. $100 minimum deposit required to open. No minimum balance requirement. New accounts subject to approval. Rates are subject to change including after the account is opened.

*Annual Percentage Yield (APY) is accurate as of the effective date. Rates are subject to change without notice. Rates on non-CD accounts may change after account is opened. Early withdrawal penalties may be charged on certificates of deposit. Fees could reduce earnings on some accounts. All new accounts are subject to Northpointe Bank approval.

Questions? Contact us by phone at 888-672-5626 or via email at banking@northpointe.com.

OPEN AN ACCOUNT