Skip to main content Go to Online Banking

Rates

All rates are subject to change without notice.

Contact us or visit any location today for current rates and more information about our investments.

Loan Rates

Contact your local lender today for current mortgage rates.

Interested in a shorter-term option or other financing? Contact your local office for current rates of adjustable-rate mortgages, lot and construction loans and other personal installment loans.

Additional loan disclosures

Rates are subject to change without notice and based upon credit approval. Please visit a lender for current information about our loan rates. Stated rates are for purchase money transactions or refinance transactions with no cash-out. (Cash-out is defined as any additional funds disbursed other than refinancing the first mortgage). The actual interest rate available to you will be based on your credit history and individual loan to approved value ratio.

Credit Cards

Consumer Visa® Classic and Platinum Cards

9.150% APR*

* APR = Annual Percentage Rate. The APR is a variable rate calculated by adding the Prime Rate + 5.90%. The Prime Rate used to determine the annual percentage rate is the highest prime rate published in the Wall Street Journal’s “Money Rates” table on the last date of publication in each calendar month.

Rates are effective as of May 6, 2020.

Annual fee:

  • Classic: $15
  • Platinum: fee waived

Business Visa®

14.900% APR*

* APR = Annual Percentage Rate.

National Exchange Bank & Trust extends credit cards primarily to established customers that meet our credit criteria.

Deposit Interest Rates

*APY = Annual Percentage Yield

Certificate of Deposit note: $50 Minimum add-on amount for Dollars for Scholars, $500 minimum add-on for all other add-on products.

Unless otherwise noted, rates are effective May 21, 2020 - May 27, 2020

Certificates of Deposit - Fixed Rate

Comparison table of Certificates of Deposit - Fixed Rate
  Min. Opening Deposit Interest Rate APY*
3 Month $1,000 0.050% 0.050%
6 Month $1,000 0.100% 0.100%
12 Month $1,000 0.200% 0.200%
15 Month One Up $1,000 0.200% 0.200%
15 Month Add On $1,000 0.200% 0.200%
18 Month $1,000 0.250% 0.250%
24 Month $1,000 0.300% 0.300%
36 Month $1,000 0.450% 0.450%
48 Month $1,000 0.500% 0.500%
60 Month $1,000 0.750% 0.750%

Certificates of Deposit - Variable Rate

Comparison table of Certificates of Deposit - Variable Rate
  Min. Opening Deposit Interest Rate APY*
21 Month Add On $1,000 0.300% 0.300%
Dollars for Scholars - 36 Month $300 0.450% 0.450%

Variable rate valid through June 3, 2020

IRA Certificates of Deposit

Comparison table of IRA Certificates of Deposit
  Min. Opening Deposit Interest Rate APY*
6 Month - Fixed Rate $1,000 0.100% 0.100%
12 Month - Fixed Rate $1,000 0.200% 0.200%
18 Month - Fixed Rate $1,000 0.250% 0.250%
24 Month - Fixed Rate $1,000 0.300% 0.300%
36 Month - Fixed Rate $1,000 0.450% 0.450%
60 Month - Fixed Rate $1,000 0.750% 0.750%
21 Month Add On - Variable Rate $1,000 0.300% 0.300%

Variable rate valid through June 3, 2020

Money Market Account

Comparison table of Money Market Account
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.050% 0.050%
$25,000 - $49,999 $0 0.060% 0.060%
$50,000 - $99,999 $0 0.070% 0.070%
$100,000 - $249,999 $0 0.080% 0.080%
$250,000 and over $0 0.100% 0.100%

Money Market IRA

Comparison table of Money Market IRA
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.050% 0.050%
$25,000 - $49,999 $0 0.060% 0.060%
$50,000 - $99,999 $0 0.070% 0.070%
$100,000 - $249,999 $0 0.080% 0.080%
$250,000 and over $0 0.100% 0.100%

Health Savings Accounts

Comparison table of Health Savings Accounts
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.020% 0.020%
$25,000 - $49,999 $0 0.020% 0.020%
$50,000 - $99,999 $0 0.020% 0.020%
$100,000 - $249,999 $0 0.030% 0.030%
$250,000 and over $0 0.030% 0.030%

Checking Accounts - Personal Interest Bearing & Non-Profit

Comparison table of Checking Accounts - Personal Interest Bearing & Non-Profit
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.010% 0.010%
$25,000 - $49,999 $0 0.020% 0.020%
$50,000 - $99,999 $0 0.020% 0.020%
$100,000 - $249,999 $0 0.020% 0.020%
$250,000 and over $0 0.030% 0.030%

Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest

Comparison table of Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.010% 0.010%
$25,000 - $49,999 $0 0.020% 0.020%
$50,000 - $99,999 $0 0.020% 0.020%
$100,000 - $249,999 $0 0.020% 0.020%
$250,000 and over $0 0.030% 0.030%

Private Checking

Comparison table of Private Checking
  Min. Opening Deposit Interest Rate APY*
$0 - $24,999 $0 0.020% 0.020%
$25,000 - $49,999 $0 0.020% 0.020%
$50,000 - $99,999 $0 0.020% 0.020%
$100,000 - $249,999 $0 0.030% 0.030%
$250,000 and over $0 0.030% 0.030%

Savings Accounts

Comparison table of Savings Accounts
  Min. Opening Deposit Interest Rate APY*
Statement Savings $0 0.050% 0.050%
First-Step & Step-Up ($100 and over) $0 0.150% 0.150%
Holiday Savings $0 0.100% 0.100%
Top
Some content requires Adobe Acrobat Reader to view.