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Deposit Rates

Our commitment is to provide the highest level of customer service, and that includes offering the best rates possible.

We Focus on You

By focusing on you, and limiting our geographic service area to Portsmouth and the surrounding towns, we’re able to provide the superior banking experience — and exceptional rates — our customers have counted on since 1877. Please call us at (603) 436-5250 to find out if your town is included among the communities we serve.

Our Rates

Please review our rates below and check back often, as this page is updated daily. And remember, we’re always surveying our competitors’ rates to ensure that when you bank with us, you’re getting the best rates possible.

Call us at (603) 436-5250 to speak with us about your specific banking needs and goals.

All rates are subject to change without prior notice.

Rates as of 1/11/23

Certificates of Deposit

Account Product Name

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

91 Day*

$2,500.00

$2,500.00

0.25%

0.25%

6 Month*

$2,500.00

$2,500.00

0.50%

0.50%

1 Year*

$500.00

$500.00

2.47%

2.50%

1 1/2 Year*

$500.00

$500.00

2.47%

2.50%

2 Year*

$500.00

$500.00

2.71%
2.97%

2.75%
3.00%

3 Year*

$500.00

$500.00

1.84%
2.08%

1.85%
2.10%

5 Year*

$500.00

$500.00

3.05%
3.20%

3.10%

3.25%

Kids' Bank Variable Rate 5 Year CD

$250.00

$250.00

2.47%

2.50%

All of the above fixed rate Certificates of Deposit are available within an IRA plan. For IRA plans, the minimum opening deposit is $500.00 and the minimum balance to obtain the annual percentage yield is $500.00.
*A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account
**APY: Annual Percentage Yield

IRAs

Account Product Name

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

1 1/2 Year Variable IRA*

$10.00

$10.00

2.47%

2.50%

The interest rate and annual percentage yield may change after account opening.
*A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account **APY: Annual Percentage Yield

Money Market/Premier Money Market

Account Product Name

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

Balances up to $2,499.99*

$2,500.00

$1.00

0.50%

0.50%

Balances of $2,500.00 – $24,999.99*

$2,500.00

$1.00

0.50%

0.50%

Balances of $25,000.00 – $49,999.99*

$2,500.00

$1.00

0.75%

0.75%

Balances of $50,000.00 – $99,999.99*

$2,500.00

$1.00

1.00%

1.00%

Balances of $100,000.00 and over*

$2,500.00

$1.00

1.49%

1.50%

*The interest rate and annual percentage yield may change after account opening **APY: Annual Percentage Yield Fees could reduce the earnings on this account

Savings and Checking Accounts

Account
Product
Name

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest
Rate

APY**

Passbook/
Statement Savings*

$10.00

$100.00

0.35%

0.35%

Christmas/Vacation Clubs*

$1.00

$1.00

0.35%

0.35%

Checking Account*

$100.00

$1.00

0.00%

0.00%

Kids' Bank Savings*

$0.01

$0.01

0.60%

0.60%

Health Savings Account
Up to $2,499.99*

$100.00

$1.00

0.15%

0.15%

Health Savings Account
Balances of $2,500.00 - $9,999.99*

$100.00

$1.00

0.20%

0.20%

Health Savings Account
Balances of $10,000.00 and over*

$100.00

$1.00

0.30%

0.30%

*The interest rate and annual percentage yield may change after account opening
**APY: Annual Percentage Yield