Deposit
Rates

Deposit Rates in effect as of 10/10/25.

(1) Annual Percentage Yields (APYs) subject to change without notice, including after the account is opened. Minimum balance of $10,000 to open Money Market account. Balances below $2,500 earn no interest. If your daily balance is between $2,500.00 and $9,999.99, the entire account will earn 0.05% APY. If your daily balance is between $10,000.00 and $14,999.99, the entire account will earn 0.05% APY. If your daily balance is $15,000.00 and above, the entire account will earn 0.05% APY. In each month that the account is open, if the average daily balance drops below $500 on any given day, a minimum balance fee of $10 will be imposed.  Transaction limitations apply. Fees can reduce earnings. See fee schedule for details. Deposit limits may apply.

(2) Annual Percentage Yields (APYs) for balance tiers subject to change without notice, including after the account is opened. Minimum balance of $0.01 to open High Yield Money Market account. Daily balances below $100,000.00 earn 0.10% APY. If your daily balance is between $100,000.00 and $349,999.99, the entire account will earn 0.10% APY. If your daily balance is between $350,000.00 and $499,999.99, the entire account will earn 0.10% APY. If your daily balance is $500,000.00 and above, the entire account will earn 0.10% APY. Maximum account balance is $2,000,000.00. In each month that the account is open, if the average daily balance drops below $100,000.00, a minimum balance fee of $25 will be imposed. Fees could reduce earnings on this account. Transaction limitations apply. Fees can reduce earnings. See fee schedule for details.

(3) Annual Percentage Yield (APY) subject to change without notice, including after the account is open. Minimum balance of $10.00 to open account statement savings account. If your balance falls below $300 on any day of the month you will be charged a $3.00 minimum balance fee.  The minimum daily balance to earn the stated APY is $300. Fees could reduce earnings on this account. See fee schedule for details.

(4) Annual Percentage Yields (APYs) subject to change without notice, including after the account is opened. Minimum balance of $35,000 to open Premier Savings account. Accounts are for new money only. New money is defined as funds not currently on deposit with Northfield Bank. In each month that the account is open, if the account balance drops below $15,000 on any given day, a minimum balance fee of $20 will be imposed. Fees could reduce earnings. Accounts with daily balances between $0 - $299.99 earn no interest. Accounts with daily balances between $300 - $14,999.99 earn 0.05% APY on the entire balance. Accounts with daily balances between $15,000 - $34,999.99 APY earn 0.05% on the entire balance. Accounts with daily balances between $35,000.00 - $99,999.99 earn 0.15% APY on the entire balance. Accounts with daily balances between $100,000.00 - $999,998.99 earn 0.15% APY on the entire balance. Accounts with daily balances over $999,999.00 earn 0.15% APY on the entire balance. Transaction limitations apply. Fees can reduce earnings. See fee schedule for details.

(5) Annual Percentage Yield (APY) subject to change without notice, including after the account is opened. A minimum balance of $10.00 is required to open account. The account will be charged a minimum balance fee of $8.00 each statement cycle if the average daily balance for that cycle falls below $2,500. Fees can reduce earnings. Daly account balances between $0.01 and $224,999.99 earn 0.15% APY on the entire balance. Daily account balances $225,000 and over and over earn 0.15% APY on the entire balance. Transaction limitations apply, see an account representative for details. New money is required to open a Platinum Savings. New money is defined as funds not currently on deposit at Northfield Bank.  The Online Platinum Savings account is only available for existing Northfield Bank customers. Fees can reduce earnings. See fee schedule for details.

(6) Annual Percentage Yield (APY) subject to change without notice, including after the account is opened. A minimum balance of $10.00 is required to open account. The account will be charged a minimum balance fee of $8.00 each statement cycle if the average daily balance for that cycle falls below $2,500. Fees can reduce earnings. See fee schedule for details. Daily account balances between $0.01 and $49,999.99 earn 0.15% APY on the entire balance. Daily account balances between $50,000.00 and $99,999.99 earn 0.15% APY on the entire balance.  Daily account balances between $100,000.00 and $224,999.99 earn 0.15% APY on the entire balance. Daily account balances $225,000 and over and over earn 0.15% APY on the entire balance. Transaction limitations apply, see an account representative for details. New money is required to open a Platinum Savings. New money is defined as funds not currently on deposit at Northfield Bank.  

(7) Annual Percentage Yield (APY) subject to change without notice. Minimum balance of $2,500 to open account. All daily account balances above $0.01 will earn the stated APY's. There is a substantial penalty for early CD withdrawals. Fees could reduce earnings. See fee schedule for details. Deposit limits may apply.

(8) Annual Percentage Yield (APY) subject to change without notice. Minimum balance of $250 to open account. All daily account balances above $0.01 will earn the stated APY. Withdrawals from IRAs before age 59½ may be subject to a 10% federal additional tax and possible state tax. In addition, there is a substantial penalty for early CD withdrawals. Fees could reduce earnings. See fee schedule for details.

(10) Annual Percentage Yield (APY) is variable and subject to change without notice after the account is open. $.01 minimum opening deposit required. $0.01 minimum daily balance to earn stated APYs. Bank rules and regulations apply. Fees could reduce earnings. See fee schedule for details.

(11) Annual Percentage Yield (APY) is variable and subject to change without notice after the account is open. Minimum opening deposit is $100.00. The minimum daily balance to earn the stated APY is $0.01. Fees could reduce earnings. See fee schedule for details. Organizations must be classified according to the Internal Revenue Code as a 501(c)(3) through (13) or (19) to be eligible for this product. Proof of eligible 501(c) status required at account opening.