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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

Please visit our Mortgage Resource Center for summary information on our 10-, 15-, 20- and 30-year rates. You may also choose a Personalized Rate Quote or to sign up for Rate Watch.

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

10.900% APR*

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 July 1, 2018.

Annual fee:

  • Classic: $15
  • Platinum: fee waived

Business Visa®

14.900% APR*

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

Deposit Interest Rates

APY = Annual Percentage Yield

Unless otherwise noted, rates are effective September 20 - 26, 2018

Certificates of Deposit - Fixed Rate

Comparison table of Certificates of Deposit - Fixed Rate.
Product Min. Opening Deposit Int. Rate APY*
3 Month $1,000 0.500% 0.500%
6 Month $1,000 0.850% 0.850%
12 Month $1,000 0.950% 0.950%
15 Month One Up $1,000 0.950% 0.950%
15 Month Add On $1,000 0.950% 0.950%
18 Month $1,000 1.000% 1.000%
24 Month $1,000 1.100% 1.100%
36 Month $1,000 1.200% 1.200%
48 Month $1,000 1.450% 1.450%
60 Month $1,000 1.600% 1.600%

Certificates of Deposit - Variable Rate

Comparison table of Certificates of Deposit - Variable Rate.
Product Min. Opening Deposit Int. Rate APY*
21 Month Add On $1,000 1.000% 1.000%
Dollars for Scholars - 36 Month $300 1.250% 1.250%

Variable rate valid through October 3, 2018

Money Market Account

Comparison table of Money Market Account.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.200% 0.200%
$25,000 - $49,999 $0 0.250% 0.250%
$50,000 - $99,999 $0 0.270% 0.270%
$100,000 - $249,999 $0 0.290% 0.290%
$250,000 and over $0 0.300% 0.300%

Money Market IRA

Comparison table of Money Market IRA.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.200% 0.200%
$25,000 - $49,999 $0 0.250% 0.250%
$50,000 - $99,999 $0 0.270% 0.270%
$100,000 - $249,999 $0 0.290% 0.290%
$250,000 and over $0 0.300% 0.300%

Health Savings Accounts

Comparison table of Health Savings Accounts.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.150% 0.150%
$25,000 - $49,999 $0 0.200% 0.200%
$50,000 - $99,999 $0 0.200% 0.200%
$100,000 - $249,999 $0 0.200% 0.200%
$250,000 and over $0 0.200% 0.200%

Checking Accounts - Personal Interest Bearing & Non-Profit

Comparison table of Checking Accounts - Personal Interest Bearing & Non-Profit.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.070% 0.070%
$25,000 - $49,999 $0 0.080% 0.080%
$50,000 - $99,999 $0 0.080% 0.080%
$100,000 - $249,999 $0 0.090% 0.090%
$250,000 and over $0 0.100% 0.100%

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.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.080% 0.080%
$25,000 - $49,999 $0 0.100% 0.100%
$50,000 - $99,999 $0 0.100% 0.100%
$100,000 - $249,999 $0 0.120% 0.120%
$250,000 and over $0 0.120% 0.120%

Private Checking

Comparison table of Private Checking.
Product Min. Opening Deposit Int. Rate APY*
$0 - $24,999 $0 0.100% 0.100%
$25,000 - $49,999 $0 0.120% 0.120%
$50,000 - $99,999 $0 0.150% 0.150%
$100,000 - $249,999 $0 0.170% 0.170%
$250,000 and over $0 0.200% 0.200%

Savings Accounts

Comparison table of Savings Accounts.
Product Min. Opening Deposit Int. Rate APY*
Statement Savings $0 0.100% 0.100%
First-Step & Step-Up ($100 and over) $0 0.200% 0.200%
Holiday Savings $0 0.050% 0.050%
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