Personal Savings

The right savings account is the first step to being rainy-day-ready. 

Everyday SAvings

Features
  • Open with $100 deposit 
  • No monthly maintenance fee with a minimum daily balance of $100
  • Two withdrawals per statement cycle at no charge; $3 for each additional withdrawal
More details

High Yield Savings

Features
  • Open with $500 deposit
  • Premium 0.55% APY on balances up to$10,0001
  • Available to North State Bank customers with an active checking account or a loan with a balance of $15,000 or more
More details

Money Market

Features
  • Open with $1,000 deposit
  • Tiered interest rates based on account balance
  • No monthly maintenance fee

    with a $1,000 minimum daily balance

More details

certificate of deposit (CD)

Features
  • Open with $500 deposit
  • Tiered interest rates based on account balance and term
More details

Individual retirement account (ira)

FEATURES
  • Open with $500 deposit
  • Tiered interest rates based on balance and term
  • Choose from Traditional, Roth and Education IRAs. Depending on the account type, an IRA can provide either tax-deferred or tax-free savings at a competitive interest rate.
More details

The right savings account is the first step to being rainy-day-ready. 
Scroll to view the rest of the table.
Features  Everyday Savings
High Yield Savings1
Money Market
certificate of deposit (cd) individual retirement account (ira)
Minimum Opening Deposit and Balance Requirement to Avoid Monthly Fee $1002 $500 $1,000 $500  $500
Interest
(Compounded daily, paid and reported per statement cycle)
table checkmark Premium 0.55% APY on balances up to $10,0003

(Balances >$10,000 earn 0.10% APY)

table checkmark
Tiered based on account balance 
table checkmark

Tiered based on account balance and term

table checkmark

Tiered based on account balance and term

Monthly Maintenance Fee  $0 or $44 $0 or $64 $0 or $104 _ _
Number of Withdrawals Per Statement Cycle at No Charge
(Government regulations limit savings and money market accounts to six transfers or withdrawals per month. Withdrawals or transfers made in person at the bank, by mail, or by using an ATM do not count toward the six.)
2 2
6
 _ 
Fees for Excess Withdrawals $3 $3  $5 Penalties may apply  Penalties may apply 
Electronic or Paper Statement at No Charge  table checkmark Electronic statement at no charge; paper available for a $3 per statement  table checkmark Paper maturity and renewal notices provided
Paper only

1 Available to customers with an active North State Bank checking account or a loan with a balance in excess of $15,000.
2 No monthly fee and a minimum deposit of $25 for account holders 26 years and younger and 55 years and older. 
3 Annual percentage yield. APY available as of July 5, 2017, and is subject to change without notice. 
4 Monthly maintenance fee waived when minimum account balance requirement is met.