Bank · FDIC insured
First Northern Bank and Trust Savings Rates
First Northern Bank and Trust’s best savings rate is 0.10% APY on $10,000, with its Paperless Savings. Rates checked October 17, 2026.
How First Northern Bank and Trust’s savings rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where First Northern Bank and Trust has the most branches. $10,000, best rate first.
This bank’s best
First Northern Bank and Trust
0.25%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
Royal Savings
Top rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
United Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
First Northern Bank and Trust savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Northern Bank and Trust ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Royal Savings
0.25%APY
Must maintain a First Northern Bank and Trust Royal Checking Account or Royal Checking Blue Account. Balance requirement to obtain APY can be a combined balance of Royal Checking and Royal Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain a Royal or Royal Blue Checking account. Minimum daily balance of $100.00 to obtain APY can be a combined balance of Royal Checking and Royal Savings.$100 and up | 0.25% | $25 | Must maintain a Royal or Royal Blue Checking account. Minimum daily balance of $100.00 to obtain APY can be a combined balance of Royal Checking and Royal Savings. |
Sources (2)
All captured Oct 17, 2026
Paperless Savings
0.10%APY
Must maintain an Online Banking account and receive electronic statements. No monthly statement will be mailed, statement received online. $2.00 monthly service charge waived if daily balance does not fall below $200.00 on any day of the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $50,000Rate applies to balances of $49,999.99 - $200.00. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. | 0.10% | $10 | Rate applies to balances of $49,999.99 - $200.00. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. |
| $50,000 – $100,000Rate applies to balances of $50,000.00 - $99,999.99. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. | 0.15% | — | Rate applies to balances of $50,000.00 - $99,999.99. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. |
| $100,000 and upRate applies to balances of $100,000.00 and more. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. | 0.20% | — | Rate applies to balances of $100,000.00 and more. Monthly service fee of $2.00 waived with minimum daily balance of $200.00. |
Sources (2)
All captured Oct 17, 2026
Statement Savings
0.05%APY
A service charge of $1.00 will be imposed every month if the daily balance on any day of the month falls below $100.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMonthly service charge of $1.00 waived with minimum daily balance of $100.00.$100 and up | 0.05% | $5 | Monthly service charge of $1.00 waived with minimum daily balance of $100.00. |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
Kid's Statement Savings
0.20%APY
Account must be opened by an adult custodian with exclusive control. Maximum age of child is 16 years old; reverts to regular custodial Statement Savings Account upon obtaining age 17. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum daily balance of $1.00 required each day to obtain APY. No monthly service fee.$1 and up | 0.20% | $20 | Minimum daily balance of $1.00 required each day to obtain APY. No monthly service fee. |
Sources (2)
- 1stnorthern.bank/financial-tools/checking-savings-rates
- 1stnorthern.bank/personal/kids-statement-savings
All captured Oct 17, 2026
Student Savings
0.15%APY
Student must maintain a First Northern Bank and Trust (FNBT) Student Checking Account, FNBT Online Banking, and receive eStatements to qualify for this account. Upon obtaining age 19, or age 24 if attending school, the account reverts to a personal Statement Savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust maintain FNBT Student Checking, Online Banking, and receive eStatements. Minimum daily balance of $100.00 required each day to obtain APY.$100 and up | 0.15% | $15 | Must maintain FNBT Student Checking, Online Banking, and receive eStatements. Minimum daily balance of $100.00 required each day to obtain APY. |
Sources (2)
All captured Oct 17, 2026
All Purpose Club
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $20 and upRequires minimum opening deposit and minimum daily balance of $20.00 to obtain APY.$20 and up | 0.10% | $10 | Requires minimum opening deposit and minimum daily balance of $20.00 to obtain APY. |
Sources (2)
All captured Oct 17, 2026
Christmas Club Account with automatic payments
0.10%APY
Seasonal account with automatic payments.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires automatic payments. Minimum daily balance of $10.00 to obtain APY.$10 and up | 0.10% | $10 | Requires automatic payments. Minimum daily balance of $10.00 to obtain APY. |
Sources (2)
All captured Oct 17, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.