North Side Federal Savings and Loan Association of Chicago savings, CD and money market rates
North Side Federal Savings and Loan Association of Chicago's Super Passbook Savings advertises 0.07% APY on balances of $2,500 or more, and 0.03% below that. That is 0.31 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2592 of 3150 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2439.
Estimate your earnings·What North Side Federal Savings and Loan Association of Chicago actually pays
North Side Federal Savings and Loan Association of Chicago at a glance
| Savings | |
|---|---|
| Top savings APY | 0.07% · Super Passbook Savings · needs at least $2,500 |
| Minimum to open | $2,500 · Super Passbook Savings |
| Against the national average | 0.31 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.00% · 8 months · 8 Month Special |
| Minimum to open | $2,000 · 8 months CD |
| Money market | |
| Top money market APY | Up to 0.30% · Personal Money Market · needs at least $75,000 |
| Minimum to open | $2,500 · Personal Money Market |
| Against the national average | 0.33 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 29449 · Chicago, IL |
|---|---|
| Website | www.northsidefederal.com |
| Branches | 1 branch in IL |
| Availability | Available in IL |
North Side Federal Savings and Loan Association of Chicago savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
North Side Federal Savings and Loan Association of Chicago CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 6 months | 0.25% | $2,000 | 6 Month Certificate of Deposit |
| 8 months | 3.00% | $2,000 | 8 Month Special |
| 12 months | 0.25% | $2,000 | 12 Month Certificate of Deposit |
| 18 months | 0.25% | $2,000 | 18 Month Certificate of Deposit |
| 24 months | 1.50% | $2,000 | 24 Month Certificate of Deposit |
| 30 months | 1.75% | $2,000 | 30 Month Certificate of Deposit |
| 36 months | 1.50% | $2,000 | 36 Month Certificate of Deposit |
| 48 months | 1.75% | $2,000 | 48 Month Certificate of Deposit |
| 60 months | 1.50% | $2,000 | 60 Month Certificate of Deposit |
| 96 months | 1.50% | $2,000 | 96 Month Certificate of Deposit |
Interactive Tool
Calculate Savings for North Side Federal Savings and Loan Association of Chicago
All calculations are based on APY.
Minimum balance for higher APY: $2,500
Savings Breakdown
- Interest Earned+$85.90(0.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,085.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What North Side Federal Savings and Loan Association of Chicago pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 0.07% needs a balance of at least $2,500. Below that, the account advertises 0.03%.
In Q2 2026, North Side Federal Savings and Loan Association of Chicago paid a higher average rate on savings and money market deposits than 2% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- North Side Federal Savings and Loan Association of Chicago, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Super Passbook Savings | 0.07% | $2,500 | $0 | None | Choose from a number of accounts with low minimum balances, no monthly fees, and competitive rates | not stated | Tiered | |
| Fine print: The account takes $2,500 to open, although its lowest rate band starts at one cent. Interest is not paid on any day the balance is below the minimum. | ||||||||
| Passbook/Statement Savings | 0.03% | $50 | $0 | None | Choose from a number of accounts with low minimum balances, no monthly fees, and competitive rates | not stated | One rate | |
| Fine print: Interest is not paid on any day the balance is below $50. Each transfer over the monthly limit costs $10, and exceeding the limit in more than three months of any twelve ends the account's electronic and telephone transfer feature altogether. | ||||||||
| Children's Account | 0.03% | $5 | $0 | None | Choose from a number of accounts with low minimum balances, no monthly fees, and competitive rates | not stated | One rate | |
| Fine print: An adult must open the account jointly with the minor, and any transaction needing a signature needs both the adult's and the minor's. | ||||||||
| Minor Passbook | 0.03% | not stated | $0 | None | Choose from a number of accounts with low minimum balances, no monthly fees, and competitive rates | not stated | One rate | |
| Fine print: The account is a custodial account under the Illinois Uniform Transfers to Minors Act. An adult custodian holds it for the minor, and the money belongs to the minor. | ||||||||
| Holiday Account | 0.03% | $5 | $0 | None | Choose from a number of accounts with low minimum balances, no monthly fees, and competitive rates | not stated | One rate | |
| Fine print: No withdrawals are allowed before maturity, and any withdrawal closes the account. In the last week of October the bank sends the balance to you by cheque, less the $5 that keeps the account open. | ||||||||
| Personal Money Market | Up to 0.30% | $2,500 | $2,500 | None | Maintenance Fee for low balance account: $15.00 (if account falls below minimum balance anytime during monthly statement cycle) | not stated | Tiered | |
| Fine print: The monthly fee applies if the balance falls below $2,500 at any point in the statement cycle, not only on average. Each transfer or cheque over the monthly limit costs $10, and exceeding the limit in more than three months of any twelve converts the account to a NOW account. | ||||||||
| IRA | ||||||||
| IRA Account | 0.25% | not stated | $0 | None | not stated | not stated | One rate | |
| Business | ||||||||
| Business Money Market | Up to 0.30% | not stated | $2,500 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 6 Month Certificate of Deposit | 6 months | 0.25% | $2,000 | not stated | not stated |
| 8 Month Special | 8 months | 3.00% | $2,000 | not stated | not stated |
| 12 Month Certificate of Deposit | 12 months | 0.25% | $2,000 | not stated | not stated |
| 18 Month Certificate of Deposit | 18 months | 0.25% | $2,000 | not stated | not stated |
| 24 Month Certificate of Deposit | 24 months | 1.50% | $2,000 | not stated | not stated |
| 30 Month Certificate of Deposit | 30 months | 1.75% | $2,000 | not stated | not stated |
| 36 Month Certificate of Deposit | 36 months | 1.50% | $2,000 | not stated | not stated |
| 48 Month Certificate of Deposit | 48 months | 1.75% | $2,000 | not stated | not stated |
| 60 Month Certificate of Deposit | 60 months | 1.50% | $2,000 | not stated | not stated |
| 96 Month Certificate of Deposit | 96 months | 1.50% | $2,000 | not stated | not stated |
Fine print for 10 CDs above: No deposits or withdrawals are allowed between opening and maturity. The certificate renews automatically at the rate then in force, and funds can be added or taken out without penalty only in the 7 calendar days after the maturity date.
Opening and using the account
| Availability | Available in IL |
|---|---|
| Footprint | 1 branch in IL |
| Eligibility | not stated |
How North Side Federal Savings and Loan Association of Chicago behaves over time
Every observation of the advertised Super Passbook Savings rate in the last 12 months was 0.07% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
- Super Passbook Savings
- The same as 30 days ago.
- 8 months CD
- The same as 30 days ago.
- Rate last changed
- Aug 28, 2026(effective date)
$10,000 at the 0.07% APY North Side Federal Savings and Loan Association of Chicago advertises on Super Passbook Savings grows to $10,007 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,646 does today. See how the federal funds rate shapes savings rates.
North Side Federal Savings and Loan Association of Chicago CD rates over time
Who is North Side Federal Savings and Loan Association of Chicago?
| Headquarters | Chicago, IL |
|---|---|
| Founded | 1934 |
| Scale | $42M assets · $35M deposits, $26M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29449 |
| Charter state | Illinois · one of 325 insured banks chartered there (Q2 2026, FDIC) |
| Size | 4,070th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 10% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What North Side Federal Savings and Loan Association of Chicago pays on deposits above.
Common questions about North Side Federal Savings and Loan Association of Chicago
Is North Side Federal Savings and Loan Association of Chicago FDIC insured?
Yes. North Side Federal Savings and Loan Association of Chicago is FDIC insured under certificate 29449, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at North Side Federal Savings and Loan Association of Chicago?
North Side Federal Savings and Loan Association of Chicago requires a minimum deposit of $2,500 to open its Super Passbook Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does the 0.07% apply to my whole balance?
The 0.07% needs a balance of at least $2,500. Below that, the account advertises 0.03%. Rates are as observed on Nov 2, 2026.
Does North Side Federal Savings and Loan Association of Chicago have branches?
Yes. North Side Federal Savings and Loan Association of Chicago operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
North Side Federal Savings and Loan Association of Chicago against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| North Side Federal Savings and Loan Association of Chicago | 0.07% | 0.08% | $2,500 | 1 branch in IL |
| Bank Iowa | 0.07% | 1.98% | $10 | 25 branches in IA |
| Citizens Federal Savings and Loan Association | 0.07% | 3.61% | $20 | 1 branch in OH |
| First Community Bank of Moultrie County | 0.07% | 0.52% | $10 | 3 branches in IL |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to North Side Federal Savings and Loan Association of Chicago's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Illinois, nearest to North Side Federal Savings and Loan Association of Chicago in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Illinois.