Bank · FDIC insured
Northpointe Bank Savings Rates
Northpointe Bank’s best savings rate is 0.35% APY on $10,000, with its Ultimate Money Market. Rates checked October 16, 2026.
How Northpointe Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Northpointe Bank
0.35%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $35
Ultimate Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Northpointe Bank savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0002.55%
- QualifiedQualified0.35%
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 Northpointe Bank 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.
Ultimate Money Market
0.35%APY
Up to six withdrawals per month. Checks and bill pay available. ATM / Debit card available.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.35% | $35 |
| $25,000 – $3,000,000 | 2.55% | — |
| Over $3,000,000 | 0.35% | — |
Sources (3)
- northpointe.com/banking/bank-accounts
- northpointe.com/banking/rates
- northpointe.com/static/deposit_rates_print.php
All captured Oct 5, 2026
Ultimate Savings
0.35%APY
Up to six withdrawals per month. Rates on non-CD accounts may change after account is opened. All new accounts subject to Northpointe Bank approval.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.00% | — |
| $100 – $5,000 | 0.25% | — |
| $5,000 – $25,000 | 0.35% | $35 |
| $25,000 – $3,000,000 | 2.55% | — |
| Over $3,000,000 | 0.30% | — |
Sources (3)
- northpointe.com/banking/bank-accounts
- northpointe.com/banking/rates
- northpointe.com/static/deposit_rates_print.php
All captured Oct 16, 2026
Special-purpose accounts
Kid's Savings
1.15%APY on $10,000
Up to six withdrawals per month. No account opening or maintenance fees. Rates on non-CD accounts may change after account is opened. All new accounts subject to Northpointe Bank approval.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 1.49% |
| $1,000 – $10,000 | 1.11% |
| $10,000 and up | 0.34% |
On $10,000 the tiers blend to about 1.15% APY, earning $115 a year.
IRA Money Market / IRA Liquid Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $1,000,000 | 0.35% | — |
| Over $1,000,000 | 0.30% | — |
Sources (2)
All captured Oct 5, 2026
Individual Retirement Account (IRA) Savings
0.25%APY
Transaction limits vary by IRA type and person's age. Offered as IRA Liquid Savings / IRA Money Market. Rates on non-CD accounts may change after account is opened. All new accounts subject to Northpointe Bank approval.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.20% | — |
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $1,000,000 | 0.35% | — |
| Over $1,000,000 | 0.30% | — |
Sources (3)
- northpointe.com/banking/bank-accounts
- northpointe.com/banking/rates
- northpointe.com/static/deposit_rates_print.php
All captured Oct 5, 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.