IMPORTANT ALERT!

NEW MOBILE APP

NCSB has launched a new mobile app.  When you click on your existing TouchBanking app, you will be prompted to upgrade now and be redirected to your appropriate app store where you can download the NCSB Mobile App and log in with your existing online banking credentials.  If you don't use online banking yet, contact one of our branches for an application.

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Rates - Effective 04/21/2024

There is no minimum balance requirement to obtain the Annual Percentage Yield

Checking Accounts

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Daily Balance Compounding/Crediting Frequency
   NOW   0.05% 0.05% $300.00   Monthly
   Super NOW Tier 1 0.05% 0.05% $1,000.00 up to $999.99 Monthly
  Tier 2 0.05% 0.05% $1,000.00 $1,000.00 and up Monthly
   Money Market Tier 1 0.05% 0.05% $2,500.00 up to $2,499.99 Monthly
  Tier 2 0.05% 0.05% $2,500.00 $2,500.00 - $99,999.99 Monthly
  Tier 3 0.10% 0.10% $2,500.00 $100,000.00 - $249,999.99 Monthly
  Tier 4 0.15% 0.15% $2,500.00 $250,000.00 and up Monthly
   Integrated Rewards Tier 1 1.50% 1.51% $100.00 Portion of daily balance
up to $15,000.00
Monthly
  Tier 2 0.10% 1.51% - 0.10% $100.00 Portion of daily balance
$15,000.01 and up
Monthly
   Business Interest Tier 1 0.05% 0.05% $1,000.00 up to $999.99 Monthly
  Tier 2 0.05% 0.05% $1,000.00 $1,000.00 and up Monthly

Savings & Investment

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   Savings 0.05% 0.05% $10.00 Quarterly
   Christmas Club 0.10% 0.10% $10.00 Quarterly
  For all of the above accounts, fees may reduce earnings and rates may change after account opens.
   60 Month CD 1.75% 1.76% $500.00 Quarterly
   36 Month CD 1.25% 1.26% $500.00 Quarterly
   30 Month CD 1.00% 1.00% $500.00 Quarterly
   24 Month CD 1.00% 1.00% $1,000.00 Quarterly
   18 Month CD 1.00% 1.00% $500.00 Quarterly
   12 Month CD 1.00% 1.00% $500.00 Quarterly
   6 Month CD 0.50% 0.50% $1,000.00 At maturity
   91 Day CD 0.25% 0.25% $1,000.00 At maturity
   7 Day CD 0.15% 0.15% $1,000.00 At maturity
  12 Mo Liquid CD 1.00% 1.00% $5,000.00 Quarterly
  Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested.

Specials

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
  13 Month CD 4.00% 4.06% $1,000.00 Quarterly
  7 Month CD 4.50% 4.54% $1,000.00 At Maturity
  Contact an employee about applicable fees. Substantial penalty imposed for early withdrawal on CDs. APY assumes interest is automatically reinvested.

Retirement

Account Type Interest Rate Annual Percentage Yield Min Balance to Open Compounding/Crediting Frequency
   IRA - 18 Mo Fixed 1.00% 1.00% $100.00 Quarterly

Loans

   For information on loan products please contact a loan officer at (618) 282-3939.

Consumer Loans

   Rates vary according to terms and conditions of the loan. Please contact a loan officer at 282-3939 or 282-4777 for more information.