Personal Savings Options

• Earns a premium online-only interest rate with enrollment and receipt of eStatements
• No minimum balance requirements and no monthly fees
• The convenience and security of QNB eStatements
• ATM Card access available*
• Online eSavings-to-Checking Overdraft Protection* with ACCOUNT COVERAGE 
  (Overdraft Transfer Agreement required)

Statement Savings

• Earns Statement Savings Interest Rate
• Unlimited ATM and in-person withdrawals
• Avoid $2 monthly fee by maintaining a $100 minimum balance (fee is waived for Youth Trek account  holders age 18 and under)
• Quarterly statement (Customers receive a monthly statement for any month containing an Electronic Funds Transfer.)
• Statement Savings-to-Checking Overdraft Protection* with ACCOUNT COVERAGE 
   (Overdraft Transfer Agreement required)

Select Money Market Account

The higher your balance, the higher your rate of interest.

• Tier 5: $75,000 or more
• Tier 4: $50,000 to $74,999
• Tier 3: $25,000 to $49,999
• Tier 2: $10,000 to $24,999
• Tier 1: Up to $9,999

• Unlimited ATM and in-person withdrawals
•  Limited transfers*, limited checkwriting privileges*
• Avoid $10 monthly fee by maintaining a $1,500 average monthly balance
• Select Money Market-to-Checking Overdraft  Protection* with ACCOUNT COVERAGE
  (Overdraft Transfer Agreement required)

Certificates of Deposit

We offer a variety of competitive, high yield Certificates of Deposit to match your needs and help you achieve your financial goals.

Growth Certificates

• A minimum of $500 needed to open
• Terms of 3 months to 60 months available
• Compounded interest

Income Certificates

• A minimum of $500 needed to open
• Terms of 3 months to 60 months available
• Interest can be transferred to other accounts
• Simple interest paid at annual rate

Flex12 CD

• A minimum of $250 needed to open
• Make unlimited deposits of $10 or more
• One penalty-free withdrawal during 12 month term (restrictions apply)
• Available for personal, business and jumbo accounts

Health Savings Account

QNB now offers Health Savings Accounts (HSA), which are a convenient way to keep track of your high deductible health plan expenses. Ask for a HSA brochure at your local office to learn more about this important money-saving product.

Youth Trek Account Options

Trek's Flex CD

• Requires minimum opening deposit of $100
• Unlimited additional deposits of $10 can be made anytime
• One penalty-free withdrawal during 12 month term (restrictions apply)
• Automatic monthly transfers into your Trek's Flex CD available

Statement Savings

• No-fee Savings Account just for Youth Trekkers
• Only $5 needed to open account

Basic CD

• Offers fixed rate of interest, terms of 12 to 48 months and only a $100 minimum to open