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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 04/13/24.

Certificates of Deposit

Account Product

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

91 Day*

$2,500.00

$0.01

2.96%

3.00%

6 Month*

$2,500.00

$0.01

2.96%

3.00%

1 Year*

$500.00

$0.01

4.40%

4.50%

1 1/2 Year*

$500.00

$0.01

3.68%

3.75%

2 Year*

$500.00

$0.01

3.44%

3.50%

3 Year*

$500.00

$0.01

3.44%

3.50%

5 Year*

$500.00

$0.01

3.44%

3.50%

Kids' Bank Variable Rate 5 Year CD***

$250.00

$0.01

4.40%

4.50%

All of the above CDs are available to be opened as Individual Retirement Accounts (IRAs)
Fees could reduce the earnings on the account.
*A penalty may be imposed for early withdrawal.
**APY: Annual Percentage Yield
***The interest rate and annual percentage yield may change after account opening.

IRAs

Account Product Name

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

1 1/2 Year Variable IRA*

$10.00

$0.01

2.47%

2.50%

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

Money Market

Minimum Opening Deposit

Minimum Balance to Earn APY

Interest Rate

APY**

Balances up to $2,499.99*

0.00%

0.00%

Balances $2,500.00 – $49,999.99*

$2,500.00

$2,500.00

0.75%

0.75%

Balances $50,000.00 – $99,999.99*

$2,500.00

$50,000.00

1.25%

1.26%

Balances $100,000.00 – $249,999.99*

$2,500.00

$100,000.00

1.70%

1.71%

Balances $250,000.00 - $499,999.99*

$2,500.00

$250,000.00

1.80%

1.82%

Balances $500,000.00 – $999,999.99*

$2,500.00

$500,000.00

1.90%

1.92%

Balances $1,000,000.00 and over*

$2,500.00

$1,000,000.00

2.10%

2.12%

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

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

0.25%

0.25%

Christmas/Vacation Clubs*

$1.00

$0.01

0.25%

0.25%

Checking Account*

$100.00

$0.01

0.05%

0.05%

Kids' Bank Savings Account Balances up to $4,999.99*

$0.01

$0.01

5.00%

5.13%

Kids' Bank Savings Account Balances $5,000.00 and over*

$0.01

$0.01

0.50%

0.59% to 5.13%

Health Savings Account Up to $2,499.99*

$100.00

$0.01

0.15%

0.15%

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

$100.00

$2,500.00

0.20%

0.20%

Health Savings Account Balances $10,000.00 and over*

$100.00

$10,000.00

0.30%

0.30%

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