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Current Deposit Account Rates

THE APY IS ACCURATE AS OF April 1, 2014

See Also:  CD and IRA Rates  |  Mortgage Rates  |  Consumer Loan Rates

Account TypeAnnual Percentage Yield (APY)Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY*
Now Accounts** 0.05% 0.05% $1,000.00 $1,000.00
Business NOW Accounts** 0.05% 0.05% $1,000.00 $1,000.00
Passbook Savings Accounts** 0.05% 0.05% $100.00 $100.00
Statement Savings Accounts** 0.05% 0.05% $100.00 $100.00
Royal Blue Savings Account****** 0.35% 0.35% $10,000.00 $10,000.00
Royal Savings Account****** 0.35% 0.35% $25,000.00 $25,000.00
Student Savings Acct**, † .15% .15% $25.00 $25.00
Kid's Statement Savings Accounts 0.25% 0.25% $ 1.00 $ 1.00
Money Market Passbook**
$100,000.00 or More 0.05% 0.05%   $100,000.00
$50,000.00 or More but less than $100,000.00 0.05% 0.05% $2,500.00 $50,000.00
$2,500.00 or More but Less than $50,000.00 0.05% 0.05%   $2,500.00
$2,499.00 or Less 0.05% 0.05%   $2,500.00
Money Market Checking**
$50,000.00 or More 0.05% 0.05% $1,000.00 $50,000.00
$49,999.00 or Less 0.05% 0.05% $1,000.00 $1,000.00
91 Days CD*** 0.05% 0.05% $1,000.00 $1,000.00
182 Days CD*** 0.05% 0.05% $1,000.00 $1,000.00
1 Year CD*** 0.10% 0.10% $1,000.00 $1,000.00
2 Year CD*** 0.20% 0.20% $1,000.00 $1,000.00
2½ Year CD*** 0.30% 0.30% $1,000.00 $1,000.00
3 Year Adjustable*** AVAILABLE 0.81% 0.81% $1,000.00 $1,000.00
4 Year CD*** .79% .79% $1,000.00 $1,000.00
5 Year CD*** 1.25% 1.24% $1,000.00 $1,000.00
5 Year Kid's CD*** 1.50% 1.49% $1,000.00 $1,000.00
1½ Year IRA CD Variable**,***** 0.10% 0.10% $250.00 $250.00
5 Year Royal CD**** 1.50% 1.49% $1,000.00 $1,000.00

* Daily Balance (The amount of principal in the account each day)

** The rate may change after the account is opened.

*** A penalty will or may be imposed for early withdrawal of funds.  

**** You must have a First Northern Royal or Royal Blue Checking account for this CD.

***** Variable interest rate changes at each 6 month anniversary date. The new rate will be the advertised 1½ year rate at that time.

****** Can be a combined balance of Royal Checking & Royal Savings.

†Student Must maintain a First Northern Bank and Trust Checking Account to Qualify

Fees could reduce the earnings on the account.

FOR MORE INFORMATION CALL (610) 826-2239

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First Northern Bank & Trust | Fourth Street & Lafayette Avenue Palmerton, PA 18071

(800) 344-2274 | (610) 826-2239 Local | info@1stnorthernbank.com

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