SAVING OPTIONS FOR ANYONE

PERSONAL SAVINGS

Make your Noble checking even better! With Noble Savings, your Noble Interest earnings and ATM withdrawal fee refunds* are automatically transferred to make saving easy! You also earn a great interest rate to help you build your balance quickly. And with no minimum balance requirement to earn rewards, this account has everything you want and none of the things you don’t!

NOBLE SAVINGS

AUTOMATIC TRANSFERS OF NOBLE INTEREST EARNINGS

0.25%

APY* on balances up to $15,000

Account Details

Noble Savings

  • Account that builds your savings effortlessly
  • Links to Noble Interest checking
  • Automatic transfers of Noble Interest earnings
    • 0.25% APY* on balances up to $15,000
    • 025% to 0.20% APY on balances over $15,000 depending on balance in account*
    • 0.10% APY* if qualifications are not met on Noble Interest
  • No minimum balance to earn rewards
  • Free online banking & bill pay
  • Free eStatements ($3.00 for paper statement)
  • Free mobile banking
  • Free telephone banking
  • No minimum deposit to open

FEATURES

Account that builds your savings effortlessly
Links to Noble Interest checking
No minimum balance to earn rewards
Free online banking
No minimum deposit to open

QUALIFICATIONS

Qualifying for your Noble Interest rewards automatically qualifies you for the highest Noble Savings rate, too. To earn your rewards, just do the following transactions and activities in your Noble Interest account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or ACH payment transaction post and settle

That’s it. Even if you don’t meet your qualifications during the cycle, your Noble accounts are still free. Plus, you’ll still earn our base interest rate on Noble Savings. And you can get right back to earning your full rewards the very next month!

*APY=Annual Percentage Yield

*APY=Annual Percentage Yield. APYs accurate as of 05/01/2020. Rates may change after account is opened. Minimum to open is $25 for Noble Interest and $0 for Noble Savings. For Noble Interest, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during monthly qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 2.00% – 0.25% APY depending on the balance. If qualifications are not met on Noble Interest all balances earn 0.01% APY. Qualifying transactions must post and settle to Noble Interest account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Noble Interest APY is based on compounding interest. Interest earned in Noble Interest is automatically transferred to Noble Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Noble Interest APY. The Noble Savings APYs may be less than Noble Interest APYs. If qualifications in Noble Interest are met each monthly qualification cycle: (1) balances up to $15,000 in Noble Savings receive an APY of 0.25%; and (2) balances over $15,000 in Noble Savings earn 0.10% APY on portion of balance over $15,000, resulting in 0.25% – 0.10% APY depending on the balance. If qualifications are not met on Noble Interest, all balances in Noble Savings earn 0.10% APY. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Consumers Only.

Saving money is an important part of any financial plan. This interest-bearing account gives you the ability to build your balance easily without spending a lot on fees. Earn a good rate and get free online banking and eStatements so you’re always in control of your balance. All for a low quarterly fee that’s waived when you maintain a balance of $100 or more.

PREMIUM SAVINGS ACCOUNT

SET ASIDE FUNDS FOR SOMETHING SPECIFIC

$6.00

monthly fee waived with $100 balance

Account Details

Premium Savings Account

  • Set aside funds for something specific or simply a rainy day
  • Interest paid on entire daily balance
  • Earnings compounded daily, credited monthly
  • $6 monthly fee waived with $100 balance
  • Free online banking & bill pay
  • Free eStatements ($3.00 for paper statement)
  • Free mobile banking
  • Free telephone banking
  • $100 minimum deposit to open
  • Rates may change after account is opened

FEATURES

Interest paid on entire daily balance
Earnings compounded daily, credited monthly
Free online banking
$100 minimum deposit to open
Rates may change after account is opened

NOTE: There is a $20 fee if the account is closed within 90 days of opening.

Setting aside funds and earning interest is a good way to help kids start appreciating the value of saving money. This savings account can get them started! Help your child start learning sound financial practices by setting them up with a safe place to keep their allowance, babysitting money, or anything else!

YOUTH SAVINGS ACCOUNT

HELP YOUR CHILD LEARN TO SAVE

Up to the age of 18

Requires a legal adult as joint owner

Account Details

Youth Savings Account

  • Youth savings account gets them in the habit of saving
    • Available for children up to the age of 18
    • Requires a legal adult as joint owner
  • Interest paid on entire balance
  • Earnings compounded daily, credited monthly
  • No monthly service fee
  • 3 free withdrawals/transfers per month; $3 each thereafter
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free telephone banking
  • $50 minimum deposit to open
  • Rates may change after account is opened

FEATURES

Youth savings account gets them in the habit of saving
Interest paid on entire balance
Earnings compounded daily, credited monthly
No monthly service fee
$50 minimum deposit to open
Rates may change after account is opened

NOTE: There is a $20 fee if the account is closed within 90 days of opening.

Bigger balances deserve bigger returns. This high yield account gives you a higher rate that grows with your balance. Build your savings while still getting easy access to funds, including check writing privileges. Plus, with online banking and unlimited teller transactions, your money is always right there when you need it.

PREMIER MONEY MARKET ACCOUNT

BIGGER BALANCES DESERVE BIGGER RETURNS

Unlimited

in-person withdrawals

Account Details

Premier Money Market Account

  • Competitive, tiered rates above standard savings
  • Higher balances earn higher rates
  • Limited check writing privileges
  • Unlimited in-person withdrawals
  • No fee for using non-NobleBank ATM*
  • $8 monthly fee waived with $1,500 daily balance
  • Free online banking & bill pay
  • Free eStatements ($3.00 charge for paper statements)
  • Mobile banking
  • Free telephone banking
  • Free debit card
  • Overdraft protection available
  • $1,500 minimum deposit to open
  • Rates may change after account is opened

FEATURES

Competitive, tiered rates above standard savings
Limited check writing privileges
Higher balances earn higher rates
No fee for using non-NobleBank ATM*
$8 monthly fee waived with $1,500 daily balance

NOTE: There is a $20 fee if the account is closed within 90 days of opening.

*NobleBank does not charge a fee for foreign ATM use. The owner of that ATM may still charge a fee.

Earn a high rate of interest without any of the guesswork involved. A NobleBank certificate of deposit (CD) is an investment you can count on. Take advantage of fixed rates so you always know the return you’re getting. And with FDIC insurance up to $250,000, you can rest easy knowing your money’s safe.

CERTIFICATES OF DEPOSIT

SET ASIDE FOR FUTURE SAVINGS GOALS

Receive higher rates

by selecting a longer term

Account Details

Certificates of Deposit (CDs)

  • Set aside for future savings goals
  • Competitive, fixed rate for length of term
  • Greater earnings than standard savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 7 days to 5 years)
  • Earnings compounded daily, credited annually
  • Interest paid monthly, quarterly, semi-annually, annually, or at maturity
  • Convenient automatic renewal
  • Penalty for early withdrawal
  • FDIC insured up to $250,000
  • $1,000 minimum deposit to open
  • Must maintain a minimum daily balance of $1,000 in account each day to obtain the disclosed annual percentage yield

FEATURES

Competitive, fixed rate for length of term
Greater earnings than standard savings
Provides more guarantee than other risky investments
A wide range of terms available (from 7 days to 5 years)
Earnings compounded daily, credited annually
FDIC insured up to $250,000

Planning for retirement doesn’t have to be complicated. Open one of these interest bearing accounts and start saving for those golden years. We offer traditional and Roth IRAs, each with its own advantages and both providing solid returns on your money. Consult with one of our knowledgeable staff to see which is right for you.

INDIVIDUAL RETIREMENT ACCOUNTS

PLANNING FOR RETIREMENT

$1,000

annual “catch up” contributions allowed for
ages 50 and better

Account Details

Individual Retirement Accounts (IRAs)

  • Save for retirement with tax advantages1
  • Earn competitive dividends higher than regular savings
  • Pays monthly dividends
  • Available in traditional and Roth
  • Annual contribution limits apply
  • $1,000 annual “catch up” contributions allowed for ages 50 and better
  • No annual fees or set up fees
  • Federally insured
  • $1,000 minimum deposit to open
  • Must maintain a minimum daily balance of $1,000 in account each day to obtain the disclosed annual percentage yield

FEATURES

Save for retirement with tax advantages1
Earn competitive dividends higher than regular savings
Pays monthly dividends
Available in traditional and Roth
Annual contribution limits apply
Federally insured

TRADITIONAL VS. ROTH

There are advantages to both Traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A Traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70½
  • Must maintain a minimum daily balance of $1,000 in account each day to obtain the disclosed annual percentage yield

Roth IRA

  • Prepare for qualified medical expenses
  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on earnings can begin at age 59½
  • Early withdrawals on earnings subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income
  • Must maintain a minimum daily balance of $1,000 in account each day to obtain the disclosed annual percentage yield

1Subject to some minimal conditions. Consult a tax advisor.

2Certain exceptions apply, such as healthcare, purchasing a first home, etc.

3Consult a tax advisor.