Rates

NorStates Bank Deposit Rates

Rates effective October 25th, 2014.

High-Yield Checking*

Interest RateAPY**
Qualified Rate (interest paid on entire daily balance)0.50%0.50%
Non-Qualified Rate0.01%0.01%

Qualifications: Have at least 10 signature-based debit card purchases post and settle.Have at least one (1) automatic payment (ACH) or direct deposit transaction post and settle.Be enrolled and receive eStatements.

*APY=Annual Percentage Yield. APYs accurate as of 6/27/2013. Rates may change after account is opened. Fees may reduce earnings. Personal accounts only. One HIgh-Yield account per taxpayer identification number. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) unlimited Nationwide ATM fee refunds credited to the account on the last day of monthly statement cycle; (2) all balances will receive 0.50% APY. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle to your account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to your account. ATM-processed transactions, PIN based transactions, and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

Certificate of Deposits

Deposit Less Than $100,000Deposit $100,000 or More
TermInterest RateAPYInterest RateAPY**
30 Days0.05%0.05%0.05%0.05%
90 Days0.05%0.05%0.05%0.05%
180 Days0.10%0.10%0.10%0.10%

Certificate of Deposits & Individual Retirement Certificates

Deposit Less Than $100,000Deposit $100,000 or More
TermInterest RateAPYInterest RateAPY**
1 Year*0.15%0.15%0.15%0.15%
2 Year*0.25%0.25%0.25%0.25%
3 Year* 0.35%0.35%0.35%0.35%
4 Year*0.50%0.50%0.50%0.50%
5 Year*0.50%0.50%0.50%0.50%

$1,000 Minimum Balance Required to open account and obtain Annual Percentage Yield. Interest begins to accrue on the business day you deposit. There may be penalties for early withdrawal on Certificates of Deposit including Individual Retirement Certificates. See complete IRA Disclosure for further details. *Interest must be paid at least annually.Interest on Certificates of Deposit will either be capitalized at maturity or deposited into a NS Savings, Checking or Money Market.

Holiday Club*

Interest RateAPY**
Holiday Club Account0.01%0.01%

$2.00 Minimum Balance Required to Open Account. *We may change the interest rate on your account at our discretion. Interest Credited (Annually).

Personal & Junior Savings*

Interest RateAPY**
Personal Savings0.01%0.01%
Junior Savings0.01%0.01%

Personal Savings $100 Minimum Deposit Required to Open. Junior Savings No Minimum Deposit to Open. * We may change the interest rate on your account at our discretion. Interest Credited Quarterly.

NorStates Money Market Account*

Interest RateAPY**
Tier 1 (If daily balance is $0 to $24,999.99)0.05%0.05%
Tier 2 (If daily balance is $25,000 to $99,999.99)0.05%0.05%
Tier 3 (If daily balance is $100,000.00 to $999,999.99)0.05%0.05%
Tier 4 (If daily balance is $1,000,000.00 or more)0.05%0.05%

$2,500 Minimum Balance Required to Open Account. *We may change the interest rate on your account at our discretion. Interest will be credited monthly.

Traditional, Roth, & Education Individual Retirement Accounts

Interest CreditedInterest RateAPY**
Quarterly*0.05%0.05%

*Variable Individual Retirement Account Rate - $1000 Minimum Deposit Required to open account. The interest rate on your account is based at our discretion. We may change the interest rate on your account at our discretion. There may be penalties for early withdrawal on these accounts. See complete IRA Disclosure for further details.

**The annual percentage yield (APY) assumes funds will remain on deposit for a full year at the listed rate or until maturity. Withdrawals, fees, and other conditions could reduce earnings.