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North Valley Bank

Deposit Rates

*APY listed below is an estimate. Actual APY will be based on specific account terms and will be disclosed at account opening.
Scroll to the left to view the rest of the table.
Our consumer and business accounts are designed to provide exceptional convenience and value with the added security of FDIC insurance on your deposits.
 

Consumer and Business Checking and Savings Accounts

Account Type  Annual Percentage Rate (APR) Annual Percentage Yield (APY) Minimum to Open Minimum to Earn Interest Interest Compounded
Consumer Checking with Interest aka NOW
$.01 - $249,999.99
$250,000 & Above 

 
0.168%
0.250%

 
0.168%
0.250%

 
$.01
$.01

 
$.01 
$250,000

 
Monthly 
Monthly
Business Checking with Interest aka NOW
$.01 - $249,999.99
$250,000 & Above

0.168%
0.250%

 0.168%
0.250%

$.01
$.01
 
$1,000 
$250,000
 
Monthly
Monthly
Consumer or Business Tiered Money Market $.01 - $24,999.99
$25,000.00 - $99,999.99
$100,000 - $249,999.99
$250,000.00 & Above
 
0.218%
0.268%
0.333%
0.400%

 
0.218%
0.268%
0.333%
0.400%
 
$.01
$1,000
$1,000
$1,000
 
$.01
$25,000.00
$100,000.00
$250,000.00
 
Monthly
Monthly
Monthly
Monthly
Consumer/Business Statement Savings
$.01 - $249,999.99 
$250,000.00 & Above
 
0.168%
0.233%

 
0.168%
0.233%
 
$.01
$.01
 
$.01
$250,000.00
 
Quarterly
Quarterly
Public Funds Checking with Interest 0.368% 0.368%


Monthly
Public Funds Statement Savings
0.368%
0.368%


Quarterly
Public Funds Money Market
0.418%
0.418%
   
Monthly
 
(1) Your interest rate and annual percentage yield may change, at our discretion, at any time. Please call 303-452-5500 for current rates.
(2) Interest on Savings accounts is compounded and credited to your account quarterly on the quarterly statement cycle date. If you close your Savings, Checking or IRA account before interest is credited, you will forfeit the accrued interest.
(3) The annual percentage yield paid on your balance on tiered accounts is determined by the range of your daily account balance.
(4) Interest rates are subject to change.  Fees could reduce earnings on your account.
Rates effective as of 01-02-18
 

Certificates of Deposit

 
Minimum to
Open
Annual Percentage
Rate (APR)
Annual Percentage
Yield (APY)
6 Month CD $500 0.40% 0.40%
1 Year CD  $500 0.75% 0.75%
18 Month CD $500 0.95% 0.95%
2 Year CD $500 1.05% 1.05%
30 Month CD $500 1.10% 1.10%
3 Year CD $500 1.15% 1.15%
4 Year CD $500 1.20% 1.20%
5 Year CD $500 1.30% 1.30%
10 Year CD $500 1.50% 1.50%
JUMBO 6 Month CD $100,000 0.40% 0.40%
JUMBO 1 Year CD $100,000 1.30% 1.30%
JUMBO 18 Month CD $100,000 1.40% 1.40%
JUMBO 2 Year CD $100,000 1.50% 1.50%
JUMBO 30 Month CD $100,000 1.60% 1.60%
JUMBO 3 Year CD $100,000 1.70% 1.70%
JUMBO 4 Year CD $100,000 1.80% 1.80%
JUMBO 5 Year CD $100,000 1.90% 1.90%
JUMBO 10 Year CD $100,000 2.00% 2.00%

(1) Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually,
whichever occurs first.
(2) Interest cannot remain on deposit, payout of interest is mandatory.
(3) Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account. 
(4) Interest rates are subject to change.
Rates effective as of  6-20-17 
 
 

Individual Retirement Accounts (IRAs)

 
Minimum
to Open
Annual Percentage
Rate (APR)
Annual Percentage
Yield (APY)
Interest
Compounded
18 Month Fixed Rate CD $100 0.95% 0.95% Quarterly
18 Month Fixed Rate CD  $100,000 1.40% 1.40% Quarterly
 
 
(1) Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest paid for the APY occurs at the end of the term or annually,
whichever occurs first.
(2) Interest cannot remain on deposit, payout of interest is mandatory.
(3) Interest penalty for early withdrawal from certificates of deposit. Fees could reduce earnings on the account. 
(4) Interest rates are subject to change.
(5) Please consult your tax adviser for contribution limitations and tax liability for all retirement accounts.
Rates effective as of  6-20-17