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Source: https://www.nsbonline.com/personal/save-and-spend/savings-iras-cds
Read: 2026-10-22T16:23:47.000Z

Savings, IRAs, CDs | Newtown Savings Bank Home
NSBiSavings | NSBeSavings | Statement Savings | Great Prize Savings
Monthly Fee | $25 | None | $3 | None
Min. Daily Balance to waive fees | $5,000 | | $250
Free eStatement | Required | Required | Optional | Optional
Pays Interest | Highest Tiered | Highest Rate | Competitive | Good
Minimum to Earn Annual Percentage Yield (APY):
Basic Money Market Accounts have a $20 minimum daily balance to earn APY.
Tiered Money Market Accounts and NSBiSavings have a $5,000 minimum daily balance to earn APY.
Product | Annual Percentage Yield
Basic Money Market Account | 0.50%
Statement Savings | 0.25%
Passbook Savings | 0.25%
Holiday Club | 0.10%
$0 - $4,999.99 $5,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $149,999.99 $150,000 - $999,999.99 $1,000,000+ | 0.00% 0.50% 0.75% 1.00% 1.25% 1.75%
$0 - $999.99 $1,000 - $2,499.99 $2,500 - $4,999.99 $5,000 - $14,999.99 $15,000 | 0.05% 0.10% 0.15% 0.20% 0.25%
NSBeSavings | 1.00%
$0 - $4,999.99 $5,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000+ | 0.00% 1.00% 1.50% 2.00% 2.50%
$10- $4,999.99 $5,000.00 - $24,999.99 $25,000+ | 0.01% 0.03% 0.05%
$.01-$1,000.00 $1,000.01+ | 5.00% 0.25%
#### 6 Month CD at 3.00% APY
#### 1 Year CD at 3.00% APY
All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.
Product | Interest Rate | Annual Percentage Yield | Early Withdrawal Penalty
3 Month CD & IRA | 0.15% | 0.15% | 30 Days Interest
6 Month CD & IRA | 2.96% | 3.00% | 90 Days Interest
1 Year CD & IRA | 2.96% | 3.00% | 180 Days Interest
15 Month CD & IRA | 1.49% | 1.50% | 180 Days Interest
18 Month CD & IRA | 3.68% | 3.75% | 180 Days Interest
2 Year CD & IRA | 0.50% | 0.50% | 365 Days Interest
3 Year CD & IRA | 3.68% | 3.75% | 365 Days Interest
4 Year CD & IRA | 3.44% | 3.50% | 365 Days Interest
5 Year CD & IRA | 0.50% | 0.50% | 365 Days Interest
Savings Offer details: To be eligible for this offer, you must not have an open personal Newtown Savings Bank Statement Savings account within a 12-month period. To earn the $75 bonus, you must open the account with $750 or more and maintain that balance daily for a period of 90 days and receive 3 electronic credits (including ACH/Direct Deposit, Round-Up Savings and Mobile Check Deposit. Does not include Zelle®, Venmo or Cash App credits) within 90 days of opening the account. Or, to earn the $200 bonus, you must open the account with $10,000 or more and maintain that balance daily for a period of 90 days and receive 3 electronic credits (including ACH/Direct Deposit, Roundup Savings and Mobile Check Deposit. Does not include Zelle, Venmo or Cash App credits) within 90 days of opening the account. The bonus will be credited to your Statement Savings account on the month-end following the 90-day period. If your account balance is negative on or prior to the month-end period following the 90 days, the bonus will not be paid. Estate and political campaign accounts are not eligible for this offer. The Annual Percentage Yield (APY) for Statement Savings is 0.25% as of 9/30/2026 and is subject to change after the account is opened. You must maintain a minimum daily balance of $10.00 in the account each day to obtain the APY. Fees may reduce earnings. The required minimum balance to waive $3 monthly Maintenance Service Charge for a Statement Savings account is $250.00 minimum daily balance. Minimum deposit to open the account is $25.00; however, to earn the bonuses refer to the balances described above. All account applications are subject to approval. Maximum $200 bonus per household. You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. Offer is subject to change and may be withdrawn at any time.