Personal Savings and Investments

Choose one of our convenient and flexible savings options to help you reach your goals!

• Regular Savings
• SmartSavers
• Wall Street Money Market
• Holiday Club Account
• Time Deposits
• IRAs
• Health Savings Account

Regular Savings Account

For those looking for a traditional savings plan that provides a convenient way to save.

• Minimum opening deposit is $50
• No monthly fee with an automatic monthly transfer of $25 or more from an NVB checking account or a minimum balance of $300; otherwise, only $2.00 per month

Check out our rate today!  We make it easy to switch to NVB!

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SmartSavers Accounts for Minors

Open your child's North Valley Bank SmartSavers account and receive a free Moonjar - a great tool to teach your child how to manage their money!  

• Minimum opening deposit is only $20!
• No monthly fee
• Deposits of $5 or more are rewarded with a goodie from our SmartSavers "grab bag"

Check out our rate today!  We make it easy to switch to NVB!

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Wall Street Money Market

For those who want the opportunity to earn more based on the balance in the account.

• Minimum opening deposit is $1,500
• Tierd interest rates
• Avoid the $8.00 monthly fee by maintaining a $1,500 daily balance

Check out our rate today!  We make it easy to switch to NVB!

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Holiday Club Accounts

If you always seem to be looking for money around the holidays, now is the time to open a Holiday Club Account. Predetermined automatic transfers from your NVB checking account or direct deposit help you save for the Holidays or other annual expenses.

• No minimum opening deposit
• No minimum balance
• No monthly fee
• You decide the monthly deposit amount
• Withdrawal restrictions help keep you disciplined to save
• Earn a higher interest rate than regular savings

Time Deposits

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. (Account is subject to penalty for early withdrawal.)

Fixed Rate Time Deposit

Fixed rate interest is based on your opening deposit amount and the term you select.

• Minimum opening balance as low as $500
• Terms from 1 month to 48 months

Variable Rate Time Deposit

This is a great account for those who want a lower minimum opening balance or to make deposits to the account prior to maturity.

• Minimum opening balance of $100
• Unlimited deposits
• 12-month term
• Variable rate - subject to change after account is opened

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Individual Retirement Accounts (IRA)

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. Invest your IRA funds in the time deposit that is right for you - Fixed and Variable rate options available.

• Maximum annual contribution limits are established by the IRS
• Rollover contributions not subject to contribution limits
• Interest rate is determined by the opening deposit amount and term selected

Traditional IRA

This IRA is designed for individuals who want tax-deferred savings for retirement.

• Harness the power of compound earnings by deferring tax payments until retirement
• Pay taxes on your investments when you retire and your tax rate may be lower
• Traditional IRA contributions may be tax deductible; please consult your tax advisor

Roth IRA

Contributions to the Roth IRA are not tax-deductible; however, earnings grow tax-free. You also have the ability to take certain early withdrawals without paying the IRS early distribution penalty.

• No IRS age limit for contributions or distributions
• Withdraw contributions from your Roth IRA (excluding conversions) at any time
• Invest your after-tax dollars today, and watch your investment grow tax free!

Please consult your tax advisor for eligibility and to determine if a Traditional or Roth IRA is right for you.

Budget IRA

• Designed for customers who wish to establish an IRA with a minimum opening balance of only $50
• Unlimited deposits
• 12-month term
• Variable interest rate
• Available as a Traditional or Roth IRA

Simplified Employee Pension (SEP) IRA

A written arrangement that allows your employer to make deductible contributions to a traditional IRA that is set up in your name.

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Health Savings Account (HSAs)

A Health Savings Account (HSA) allows you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-deferred basis*. It works much like an IRA - except the money is intended for qualified health care expenses.

• Only $50.00 opening balance required
• No monthly fee
• No set-up or annual fees
• Competitive tiered interest rates
• Enjoy the convenience of our NVB HSA VISA Debit Card for payment of qualified services to any healthcare provider who accepts VISA
• Write a check for qualified medical expenses from your HSA with our special HSA checks - we'll pay for your first order! (quantity of 50)

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).

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Want to know how your business can benefit? Click here 

* Please consult your tax advisor.

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