North Valley Bank
Choose one of our convenient and flexible savings options to help you reach your goals!
Our savings accounts are designed with your needs in mind. Use the chart below to compare the features of our savings plans.
For those looking for a traditional savings plan that provides an easy convenient way to save.
Check out our rate today! We make it easy to switch to NVB!
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Open your child's North Valley Bank SmartSavers account and receive a free Moonjar - a great tool to learn how to manage your money!
SmartSavers Account Features
Attention Teachers: Teach your students the important lesson of saving, spending and sharing money. North Valley Bank will provide financial education material for your classroom! Plus, all "Teach Children to Save" presentations to K-4th grade feature a free Moonjar for all participants! Contact us to arrange a visit from a local banker.
For those who want the opportunity to earn more based on the balance in the account.
Earn interest based on the following tiers:
$0-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$249,999 $250,000-$499,999 $500,000+
A time deposit is a great way to save for those who have funds to invest for a period of time. You can choose between fixed and variable options for a variety of terms. (CDs are subject to penalty for early withdrawal.)
Fixed rate interest is based on our published schedule of rates at the time you open your account. With a Fixed Rate CD the more you deposit, the more you earn based on the following interest tiers:
$500 - $9,999 $10,000 - $99,999 $100,000+
Additionally, your interest may vary based on the length of term. You can choose terms from 30 days to 4 years.
This is a great CD for those who want to start with $100 and make unlimited deposits.
An Individual Retirement Account (IRA) is a great way to save and plan for your retirement. With an IRA you get the benefit of tax savings and the ability to compound your money through contributions and interest earnings.
Generally IRAs fall into one of two categories – the Traditional IRA or the Roth IRA (see below).
Please consult your tax advisor.
This IRA is designed for individuals who want tax-deferred savings for retirement. You may also be able to deduct your contributions on your income tax return. Your deduction depends on your Adjusted Gross Income (AGI) and whether you are covered under an employer sponsored qualified retirement plan.
If you or your spouse (if you file jointly) are under 70 ½ and receive taxable earned compensation, you are eligible to establish a Traditional IRA.
The major benefit of a Roth IRA is tax-free earnings growth for your retirement. Although contributions to the Roth IRA are not tax-deductible, earnings grow tax-free. You also have the ability to take certain early withdrawals without paying the IRS early distribution penalty.
If you or your spouse has compensation and your modified adjusted gross income does not exceed certain limits, you are eligible to open a Roth IRA.
A written arrangement that allows your employer to make deductible contributions to a traditional IRA that is set up in your name.
What Is It?
A Health Savings Account (HSA) is a savings account that works much like an IRA – except the money is intended for qualified health care costs. You can pay for current health expenses and save for future qualified medical expenses on a tax-free* basis.
Who Can Have One?
Anyone under the age of 65 who is covered by a High Deductible Health Plan (HDHP) is eligible to open a Health Savings Account.
Why should I consider an HSA?
You can:
Why choose North Valley Bank for your HSA?
We have trained professionals to answer all your questions. Stop in or call us to discuss how an HSA can benefit you!
Download an HSA brochure.
Apply Now! (Print, fill out and bring to a branch).
Ask us today! Visit a branch or call 1-866-869-MORE (6673).
Want to know how your business can benefit? Click here
* Please consult your tax advisor.
If you always seem to be looking for money around the holidays, now is the time to open a Holiday Club Account. You can save money for Christmas shopping or other holiday expenses.
Benefits of a Holiday Club Account
The following conditions apply:
Forgot Password? Register
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