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Rates












Deposit Rates

Northway uses the daily balance method to calculate the interest on your accounts.

Personal Deposit Rates



 Balance Interest Rate  APY*
$0-999.99 --- ---
$1,000+ 0.01% 0.01%

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*Annual Percentage Yield (APY), accurate as of September 22, 2020. Minimum to open $0. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.





Balance Interest Rate APY*
$0+ 0.05% 0.05%
With 15+ electronic transactions posted per statement cycle:

$0-4,999.99 0.05% 0.05%
$5,000-49,999.99 0.05% 0.05%
$50,000-199,999.99 0.10% 0.05% - 0.07%
$200,000 or more 0.10% 0.07% - 0.08%**

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*Annual Percentage Yield (APY), accurate as of May 24, 2021. Minimum to open $0. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened. **Tier 4 (balances of $200,000 or more) maximum APY is based on an assumed maximum balance of $250,000.00. You may have a higher balance, and your APY would be calculated accordingly.



Balance Interest Rate APY*
$0-99.99 --- ---
$100+ 0.02% 0.02%

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 *Annual Percentage Yield (APY), accurate as of September 22, 2020. Minimum to open $10. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.



 Balance Interest Rate  APY*
$1,000-4,999.99  0.05%  0.05%
$5,000-49,999.99   0.05% 0.05%
$50,000-149,999.99   0.10% 0.10%
$150,000+  0.10%  0.10%
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*Annual Percentage Yield (APY), accurate as of May 24, 2021. Minimum to open $1,000. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.







 Balance Interest Rate  APY*
$1,000-4,999.99
0.10%  0.10%
$5,000-49,999.99 
0.15%  0.15%
$50,000-149,999.99 
0.20%  0.20%
$150,000+  0.25% 0.25%
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*Annual Percentage Yield (APY), accurate as of January 19, 2023. Requires a TrueNorth Relationship Checking Account. Minimum to open $1,000. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.



Term Interest Rate  APY1 Interest Rate with TrueNorth Relationship Account2 APY1,2 With TrueNorth Relationship Account 
6-Month CD 
0.05%  0.05%  0.10% 0.10%
12-Month CD 
0.15%  0.15%  0.20%  0.20%
18-Month CD 
0.15%  0.15% 0.20%  0.20%
24-Month CD 
0.15%  0.15%  0.20%  0.20%
36-Month CD 
0.15% 0.15%  0.20%  0.20%
48-Month CD 
0.15%  0.15%  0.20%  0.20%
60-Month CD  0.15%  0.15%  0.20%  0.20%

1Annual Percentage Yield (APY), accurate as of January 19, 2023. 2Requires a TrueNorth Relationship Checking account. Minimum to open and obtain stated APY is $2,500. A penalty may be imposed for early withdrawals of funds from Certificates of Deposit. Fees may reduce earnings on the account. Other terms are available. Ask for details.



 Term Interest Rate  APY1 Interest Rate with TrueNorth Relationship Account2 APY1,2 With TrueNorth Relationship Account 
6-Month CD 
0.05%  0.05%  0.10% 0.10%
12-Month CD 
0.15%  0.15%  0.20%  0.20%
18-Month CD 
0.15%  0.15% 0.20%  0.20%
24-Month CD 
0.15%  0.15%  0.20%  0.20%
36-Month CD 
0.15% 0.15%  0.20%  0.20%
48-Month CD 
0.15%  0.15%  0.20%  0.20%
60-Month CD  0.15%  0.15%  0.20%  0.20%

1Annual Percentage Yield (APY), accurate as of January 19, 2023. 2Requires a TrueNorth Checking Account. Minimum to open and obtain stated APY is $1,000. A penalty may be imposed for early withdrawals of funds from Certificates of Deposit. Fees may reduce earnings on the account. Other terms are available. Ask for details.











Business Deposit Rates




 Balance Interest Rate  APY*
$1,000-4,999.99  0.01%  0.01%
$5,000-49,999.99  0.05%  0.05%
$50,000-$149,999.99 0.05% 0.05%
$150,000+ 0.10% 0.10%

*Annual Percentage Yield (APY), accurate as of March 22, 2021. Minimum to open $1,000. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.



 Balance Interest Rate  APY*
$0-1,499.99
---  ---
$1,500+  0.01%  0.01%
*Annual Percentage Yield (APY), accurate as of December 14, 2017. Minimum to open $100. Interest rates stated are variable and subject to change without notice. Fees could reduce the earnings on the account listed above. Rates may change after account is opened.

































Loan Rates




Model Year Max. Term Without Auto-pay
Interest Rate** 
APR*  With Auto-pay
Interest Rate**
APR 
New to Used 
36-60 Months1  3.99% 4.29%  3.74%  4.04%
2019-2020 
Up to 36 Months2  3.49%  3.98%  3.24% 3.73%
2018  36-60 Months3  4.99%  5.29%  4.74%  5.04%

Up to 36 Months  4.49% 4.98%  4.24%  4.73%
2017  36-60 Months4  5.49%  5.80%  5.24% 5.54%

Up to 36 Months  4.99% 5.48% 4.74% 5.23%
2014-2016 
48 Months5  6.94%  7.32%  6.69%  7.07%
2011-2013  36 Months6  7.19%  7.68%  6.94% 7.44%
2010 or older  Call for rate




*Annual Percentage Rate (APR), accurate as of July 29, 2020. Rates valid for credit score of 700 or greater. Other rates available for lower credit scores. For loans without Automatic Funds Transfer (AFT), rate is 0.25% higher. For loans of $25,000 or more, rate is 0.25% lower. Maximum rate discount off standard rates cannot exceed 0.50%. Rates subject to change without notice. Minimum loan amount $2,500. Loan fees: VSI $75, Doc Prep $75, Title fee $25. Maximum vehicle mileage is 150,000. Sixty-six (66) and Seventy-two (72) month terms available for loans of $15,000 or more. Add 0.25% to published rate. Mileage surcharge applies: 80,001 - 90,000, add 1%. 90,001 - 100,000, add 2%. 100,001 - 110,000, add 3%. 110,001 - 150,000, add 4%. **Auto-Pay refers to Automatic Loan Payments or an Automatic Funds Transfer (AFT) from a Northway Bank deposit account. Payment examples: 1On a new model, fixed-rate, 60-month loan at an interest rate of 3.99%, the payment would be 60 monthly payments of $18.41 per $1,000 borrowed. 2On a 2019-2020 model, fixed-rate, 36-month loan with an interest rate of 3.49%, the payment would be 36 monthly payments of $29.30 per $1,000 borrowed. 3On a 2018 model, fixed-rate, 60-month loan with an interest rate of 4.99%, the payment would be 60 monthly payments of $18.87 per $1,000 borrowed. 4On a 2017 model, fixed-rate, 60-month loan with an interest rate of 5.49%, the payment would be 60 monthly payments of $19.10 per $1,000 borrowed. 5On a 2014-2016 model, fixed-rate, 48-month loan with an interest rate of 6.94%, the payment would be 48 monthly payments of $23.92 per $1,000 borrowed. 6On a 2011-2013 model, fixed-rate, 36-month loan with an interest rate of 7.19%, the payment would be 36 monthly payments of $30.96 per $1,000 borrowed. All loans subject to credit and collateral approval. Terms and conditions may apply.



 Model Year Max. Term  Without Auto-pay
Interest Rate**
APR*  With Auto-pay
Interest Rate**
APR
New 2020-2021
60 Months1  8.49%  9.72%  8.24%  9.47% 
Used 2020
60 Months2  8.75%  9.98%  8.50%  9.73%
2018-2019
60 Months3  9.25%  10.49%  9.00%  10.23%
2016-2017
48 Months4  9.75%  11.27%  9.50%  11.02%
2013-2015
36 Months5  9.99%  11.97%  9.74%  11.72%
2012 or older  Call for rate




*Annual Percentage Rate (APR), accurate as of August 13, 2021. For loans without Automatic Funds Transfer (AFT), rate is 0.25% higher. Rates subject to change without notice. Minimum loan amount $3,500. Sixty-six (66) and Seventy-two (72) month terms available for loans of $15,000 or more. Loan fees: VSI $75, Doc Prep $75, Title Application Fee $25, UCC search $20, UCC filing fee $96. **Auto-Pay refers to Automatic Loan Payments or an Automatic Funds Transfer (AFT) from a Northway Bank deposit account. Payment examples: 1On a new model, fixed rate, 60-month loan with an interest rate of 8.49%, the payment would be 60 monthly payments of $21.11 per $1,000 borrowed. 2On a Used 2020 model, fixed-rate, 60-month loan with an interest rate of 8.75%, the payment would be 60 monthly payments of $21.24 per $1,000 borrowed. 3On a 2018-2019 model, fixed-rate, 60-month loan with an interest rate of 9.25%, the payment would be 60 monthly payments of $21.49 per $1,000 borrowed. 4On a 2016-2017 model, fixed-rate, 48-month loan with an interest rate of 9.75%, the payment would be 48 monthly payments of $25.98 per $1,000 borrowed. 5On a 2013-2015 model, fixed-rate, 36-month loan with an interest rate of 9.99%, the payment would be 36 monthly payments of $33.20 per $1,000 borrowed. All loans subject to credit and collateral approval. Terms and conditions may apply.



 Model Year Max. Term  Without Auto-pay
Interest Rate**
APR*  With Auto-pay
Interest Rate**
APR 
New 2020-2021
180 Months1  7.25%  7.34%  7.00% 7.09%
Used 2020 
180 Months2  7.50%  7.60%  7.25%  7.34%
2018-2019
180 Months 7.75%  7.85%  7.50%  7.60%
2016-2017
120 Months4  7.99%  8.18%  7.74%  7.93%
2013-2015
72 Months5  7.99%  8.29%  7.74% 8.04%
2012 or older  Call for rate




*Annual Percentage Rate (APR), accurate as of August 13, 2021. For loans without Automatic Funds Transfer (AFT), rate is 0.25% higher. Rates subject to change without notice. Minimum loan amount $3,500. 180-month term available for loans of $50,000 or more. Loan fees: VSI $75, Doc Prep $75, Title Application Fee $25, UCC search $20, UCC filing fee $96. **Auto-Pay refers to Automatic Loan Payments or an Automatic Funds Transfer (AFT) from a Northway Bank deposit account. Payment examples: 1On a new model, fixed rate, 180-month loan with an interest rate of 7.25%, the payment would be 180 monthly payments of $9.39 per $1,000 borrowed. 2On a Used 2020 model, fixed-rate, 180-month loan with an interest rate of 7.50%, the payment would be 180 monthly payments of $9.54 per $1,000 borrowed. 3On a 2018-2019 model, fixed-rate, 180-month loan with an interest rate of 7.75%, the payment would be 180 monthly payments of $9.69 per $1,000 borrowed. 4On a 2016-2017 model, fixed-rate, 120-month loan with an interest rate of 7.99%, the payment would be 120 monthly payments of $12.48 per $1,000 borrowed. 5On a 2013-2015 model, fixed-rate, 72-month loan with an interest rate of 7.99%, the payment would be 72 monthly payments of $18.04 per $1,000 borrowed. All loans subject to credit and collateral approval. Terms and conditions may apply.



 Term Without Auto-pay
Interest Rate**
APR* With Auto-pay
Interest Rate**
APR
10 year1 
6.25% 6.25%  6.00%  6.00%
15 year2  6.75%  6.75%  6.50% 6.50%
20 year3  7.50%  7.50%  7.25%  7.25%

*Annual Percentage Rate (APR), accurate as of November 3, 2022, and based on loan amount of $30,000. 20-year term requires minimum loan amount of $50,000. Minimum loan amount $25,000 for 10-year and 15-year terms. Maximum loan amount for all terms is $750,000. Maximum loan‐to‐value (includes all loans secured by that property) of 80% for primary residence and 75% for second home. Payments do not include insurance and taxes (if applicable); the actual payment would be greater. The standard rates without automatic payments are 0.25% higher. **Auto-Pay refers to Automatic Loan Payments or an Automatic Funds Transfer (AFT) from a Northway Bank deposit account. Payment examples: 1On a fixed-rate, 10-year loan with an interest rate of 6.25%, the payment would be 120 monthly payments of $11.23 per $1,000 borrowed. Minimum new cash out amount of $25,000 required after all mortgages are paid from proceeds. Based on credit score of 741 or higher. 2On a fixed-rate, 15-year loan with an interest rate of 6.75%, the payment would be 180 monthly payments of $8.85 per $1,000 borrowed. Minimum new cash out amount of $25,000 required after all mortgages are paid from proceeds. Based on credit score of 741 or higher. 3On a fixed-rate, 20-year loan with an interest rate of 7.50%, the payment would be 240 monthly payments of $8.06 per $1,000 borrowed. Rates subject to change without notice. All loans subject to credit and property approval. Terms and conditions may apply.











 Loan Type Term Interest Rate APR*
Home Improvement Loan1 
60 Months  6.74%  7.06%
Personal Loan2  60 Months  8.99%  9.31%
Reserve Credit 
Revolving  APR: WSJ Prime Rate** + 8.00%;  or 12.00%, whichever is higher.
Money Line  Revolving  APR: WSJ Prime Rate** + 8.00%;  or 12.00%, whichever is higher.

*Annual Percentage Rates (APR), accurate as of December 15, 2022, and based on $10,000 loan amount. Minimum loan amount of $2,500 for Personal Loans and $5,000 for Home Improvement Loans. Maximum loan amount of $15,000 for Personal Loans and $20,000 for Home Improvement Loans. For Personal Loans in the amount of $2,500-$4,999.99, the rate will be higher. Loan fees: Doc Prep fee of $75 and a returned check fee of $30 for Home Improvement and Personal Loans. Payment examples: 1On a fixed-rate, 60-month loan with an interest rate of 6.74%, the payment would be 60 monthly payments of $19.83 per $1,000 borrowed. Rates valid for credit score of 750 or greater. Other rates available for lower credit scores. 2On a fixed-rate, 60-month loan with an interest rate of 8.99%, the payment would be 60 monthly payments of $20.91 per $1,000 borrowed. **Annual Percentage Rate is variable and is based on the Prime Rate as published in the Wall Street Journal. As of December 15, 2022, the Wall Street Journal prime rate is 7.50%. A returned check fee of $34, and a $30 over the limit fee for Money Line. Rates subject to change without notice. All loans subject to credit approval. Terms and conditions may apply.



Rates as low as 2.00% APR* for loan of $5,000 or more.

For more information on Savings or CD Secured, contact a Branch Manager.
 

*Annual Percentage Rate (APR) is accurate as of December 20, 2022 for Statement Savings secured loan of $5,000 or more with Auto Pay from a Northway Bank deposit account. Other APRs available for loan amount from $2,500 to $4,999.99 or loans without Auto Pay from a Northway Bank deposit account. APR variable and subject to change without notice. All loans require Northway Bank Statement Savings, money market or CD account as collateral; collateral amount must be equal to or greater than the amount of the loan. Loan subject to qualifying. Interest rate is variable with a margin of 1.98% over the interest rate of the collateral deposit account for the life of the loan. $75 Document Preparation Fee waived if loan application received on or before June 30, 2023. Limited time offer. Maximum loan term of 60 months for savings or money market account secured. Maximum term for CD secured loan equal to or shorter than the term of the CD. For a loan amount of $10,000 with a term of 60 months secured by Statement Savings, APR is 2.00% with 59 monthly payments of $175.28 and one monthly payment of $175.14. CD and money market account secured loans of $5,000 or more available with APR 1.98% over the interest rate of the collateral CD or money market account.