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The Northumberland National Bank Review

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The Northumberland National Bank Savings
0.20% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

The Northumberland National Bank started in 1903 and is headquartered in Northumberland, Pennsylvania. It has $508 million in assets along with $453 million in deposits, which makes it a medium-size bank. The Northumberland National Bank lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. With a commendable 4.1 out of 5 stars, The Northumberland National Bank proves it is a respectable bank that gets the job done. The Northumberland National Bank has a complete suite of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. The Northumberland National Bank has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, The Northumberland National Bank's standard checking account does not have a monthly fee. Banks that offer free checking, in addition to a high interest rate savings account are your best option for getting the most income on your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

4.1/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.1
SmartAsset Average: 3.5

The Northumberland National Bank has a savings rate of 0.20%, which is poor in comparison to the national average. Its CD rates are 0.35% and 1.70% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has a rate of 0.25%. Given its poor savings rate, you should consider other options to earn more on your deposits.

How The Northumberland National Bank's Savings Rates Compare

The Northumberland National Bank Savings 0.20 National Average 0.26 Compare Offers
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Fees

4.5
SmartAsset Average: 4.4

The Northumberland National Bank has typically low fees compared to other U.S. banks. The Northumberland National Bank's checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. Additionally, The Northumberland National Bank has an overdraft fee of $35.00, which is on par with that of other U.S. banks. The Northumberland National Bank unfortunately does not refund out-of-network ATM charges, meaning you will have to find a The Northumberland National Bank ATM or eat the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
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Service Quality

4.1
SmartAsset Average: 3.7

The Northumberland National Bank is a brick-and-mortar bank, with seven total bank locations in Pennsylvania. With mobile and web apps, The Northumberland National Bank makes mobile banking easy, even on the go. The Northumberland National Bank receives reasonably decent feedback from customers for its online presence. With 60 customer reviews across both Apple and Android platforms, the The Northumberland National Bank mobile app has an overall rating of 4.2 out of 5 (compared to the national average of 3.8). You can utilize The Northumberland National Bank's app to control your bank accounts by reviewing current statements, transferring funds and reaching customer service. The Northumberland National Bank gets an excellent consumer satisfaction rating based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.8
SmartAsset Average: 4.8

The Northumberland National Bank is currently a medium-size bank owning $508 million in assets as well as deposits totaling $453 million. Its Texas Ratio is 4.31%, indicating that the bank is in terrific financial health and far from failure. Additionally, The Northumberland National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

4.31%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare The Northumberland National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.2% APY $2500
Checking Account 0.05% APY $1000
Certificates of Deposit
  • 12 Month: 0.35% APY
  • 24 Month: 0.50% APY
  • 36 Month: 1.00% APY
  • 48 Month: 1.35% APY
  • 60 Month: 1.70% APY
$5000 for all terms
Money Market Account 0.2% APY $2500

The Northumberland National Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. The Northumberland National Bank does not have the best savings rate, which means you should consider taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. The Northumberland National Bank's CD rates are fair in comparison to other U.S. banks.

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Find a The Northumberland National Bank Near Me

The Northumberland National Bank has seven branches in the U.S.

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