Bank · FDIC insured
The Neffs National Bank Savings Rates
The Neffs National Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Demand Accounts. Rates checked October 16, 2026.
How The Neffs National Bank’s savings rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where The Neffs National Bank has the most branches. $10,000, best rate first.
This bank’s best
The Neffs National Bank
0.40%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $40
Money Market Demand Accounts
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
The Neffs National Bank savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.40%
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 The Neffs National 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.
Money Market Demand Accounts
0.40%APY
Variable interest rate accrued daily and compounded monthly. $500 minimum daily balance required to avoid $5.00 monthly minimum balance fee. Limit of six withdrawals/transfers per calendar month; $5.00 per item fee if exceeded. $5 monthly fee for mailed statement if enrolled in online banking but not paperless statements. Rate may change after account opening. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $50,000Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 0.40% | $40 | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
| $50,000 – $100,000Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 0.55% | — | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
| $100,000 – $250,000Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 0.65% | — | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
| $250,000 – $500,000Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 0.75% | — | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
| $500,000 – $1,000,000Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 0.95% | — | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
| $1,000,000 and upRate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. | 1.05% | — | Rate may change after account opening. Fees could reduce earnings. $500 minimum daily balance required to avoid $5.00 monthly fee. |
Sources (2)
All captured Oct 16, 2026
Free Savings Account
0.40%APY
Unlimited deposits, withdrawals, and transfers. Enrolled online banking accounts not enrolled in Paperless Statements are charged a $5 monthly fee per mailed statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate may change after account opening. $10.00 balance must be maintained to earn interest. Fees could reduce earnings. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements.$10 and up | 0.40% | $40 | Variable rate may change after account opening. $10.00 balance must be maintained to earn interest. Fees could reduce earnings. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements. |
Sources (4)
- neffsnatl.com/youth
- neffsnatl.com/depositrates
- neffsnatl.com/free-savings
- neffsnatl.com/free-savings-and-club-accounts
All captured Oct 6, 2026
Special-purpose accounts
Christmas Club Account
0.40%APY
Begins in October and pays out the following year. Choice of periodic payment (weekly, bi-weekly, monthly) with minimum of $1.00. Penalty for early withdrawal. Enrolled online banking accounts not enrolled in Paperless Statements are charged a $5 monthly fee per mailed statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate may change after account opening. $10.00 balance must be maintained to earn interest. Interest is paid annually. Fees could reduce earnings. Penalty for early withdrawal. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements.$10 and up | 0.40% | $40 | Variable rate may change after account opening. $10.00 balance must be maintained to earn interest. Interest is paid annually. Fees could reduce earnings. Penalty for early withdrawal. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements. |
Sources (2)
All captured Oct 6, 2026
Kids Club Savings Account
0.40%APY
For children 12 years old or younger. Requires a parent or legal guardian as trustee on account. Enrolled online banking accounts not enrolled in Paperless Statements are charged a $5 monthly fee per mailed statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate may change after account opening. $10.00 balance must be maintained to earn interest. Fees could reduce earnings. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements.$10 and up | 0.40% | $40 | Variable rate may change after account opening. $10.00 balance must be maintained to earn interest. Fees could reduce earnings. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements. |
Vacation Club Account
0.40%APY
Begins in March and pays out the following year. Choice of periodic payment (weekly, bi-weekly, monthly) with minimum of $1.00. Penalty for early withdrawal. Enrolled online banking accounts not enrolled in Paperless Statements are charged a $5 monthly fee per mailed statement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate may change after account opening. $10.00 balance must be maintained to earn interest. Interest is paid annually. Fees could reduce earnings. Penalty for early withdrawal. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements.$10 and up | 0.40% | $40 | Variable rate may change after account opening. $10.00 balance must be maintained to earn interest. Interest is paid annually. Fees could reduce earnings. Penalty for early withdrawal. $5 monthly fee for mailed statement if enrolled in online banking without paperless statements. |
Sources (2)
All captured Oct 6, 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.