Personal Savings

Financial Peace of Mind

Savings habits are very personal, and you want your savings your way. That’s why we offer a variety of flexible savings options to meet your goals with the tools and technology you need to save and access your hard-earned money!

Hands holding a piggy bank

Online eSavings

A convenient and easy way to save online. Earns you more and saves you time! Get started opening your eSavings account by applying online.

Apply Online

Earns a premium interest rate with enrollment and receipt of eStatements1

The convenience and security of QNB eStatements1 

Online eSavings-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)

No minimum balance requirements and no monthly fees

Unlimited ATM and in-person withdrawals

A minimum of $5 needed to open

Statement Savings

A practical way to save for those who want more convenient access to their accounts.

Earns Statement Savings Interest Rate

Avoid $2 monthly fee by maintaining a $100 minimum balance requirement

Statement Savings-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)

eStatements1 or paper statements

Unlimited ATM and in-person withdrawals

Quarterly statement (Customers receive a monthly statement for any month containing an Electronic Funds Transfer)

Debit Card access available through personal checking account/QNB Debit Card

A minimum of $5 needed to open

Select Money Market Account

Our entry-level Money Market account provides a higher yield on your savings with unlimited transaction limits including check writing. With its tiered balance structure, the higher your balance, the higher your rate of interest.

Earns interest with tiered balance structure:

  • Tier 5: $75,000 or more
  • Tier 4: $50,000 to $74,999.99
  • Tier 3: $25,000 to $49,999.99
  • Tier 2: $10,000 to $24,999.99
  • Tier 1: Up to $9,999.99

Select Money Market-to-Checking Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)

eStatements1 or paper statements

Unlimited ATM and in-person withdrawals

Unlimited transfers and check writing privileges

Avoid $10 monthly fee by maintaining a $1,500 average monthly balance requirement

Debit Card access available through personal checking account/QNB Debit Card

A minimum of $25 needed to open

Personal High Yield Money Market Account

Our highest yielding tiered balance structure Money Market. The account is designed for individuals who consistently maintain the highest of balances. It's more flexible than a CD, providing limited transaction access2 to your funds, but not as flexible as our Select Money Market account.

Earns interest with tiered balance structure:

  • Tier 8: $2,500,000 or more
  • Tier 7: $1,500,000 to $2,499,999.99
  • Tier 6: $1,000,000 to $1,499,999.99
  • Tier 5: $750,000 to $999,999.99
  • Tier 4: $500,000 to $749,999.99
  • Tier 3: $250,000 to $499,999.99
  • Tier 2: $100,000 to $249,999.99
  • Tier 1: Up to $99,999.99

eStatements1 or paper statements

Avoid $25 monthly fee by maintaining a $100,000 minimum daily balance requirement

Limited transaction access2

High Yield Money Market-to-Checking Overdraft Protection2 with ACCOUNT COVERAGE (Overdraft Transfer Agreement required)

Debit Card access2 available through personal checking account/QNB Debit Card

A minimum of $25 needed to open

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. Early withdrawal penalties may apply.

Growth Certificates

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

IRA Certificates

  • A minimum of $100 to open
  • Terms of 3 months to 60 months available
  • No fees to open
  • Annual IRA statement provided

Income Certificates

  • A minimum of $5,000 needed to open
  • Terms of 3 months to 60 months available
  • Interest must be transferred to a QNB checking, savings, or money market account
  • Simple interest paid at annual rate

Flex12 CD

  • A minimum of $250 needed to open
  • Make unlimited deposits of $10 or more at a QNB Branch
  • One penalty-free withdrawal during 12 month term (restrictions apply)
  1. eStatements are available through QNB Online or Mobile Banking, which require enrollment. Data rates may apply.
  2. Transfers to another account or to third parties by preauthorized, electronic, or telephone, or by check, draft, point of sale, or similar order third parties, are limited to six per calendar month. An "Excess transaction fee" will be assessed on each transaction that exceeds these limits.
  3. Requires enrollment.
  4. Messaging and data rates may apply.