QNB Bank savings, CD and money market rates
QNB Bank's Personal Online eSavings offers 1.70% APY. That is 1.32 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #631 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #417.
QNB Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 1.70% · Personal Online eSavings |
| Minimum to open | $5 · Personal Online eSavings |
| Against the national average | 1.32 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.25% · 6 months · 6 Month Growth CD |
| Minimum to open | $500 · 6 months CD |
| Against the national average | 1.86 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 3.45% · Personal High Yield Money Market · needs at least $2,500,000 |
| Minimum to open | $25 · Personal High Yield Money Market |
| Against the national average | 2.82 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 7714 · Quakertown, PA |
|---|---|
| Website | www.qnbbank.com |
| Branches | 18 branches in PA |
| Availability | Available in PA |
QNB Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
Business
How the rate applies
How the rate applies
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.
QNB Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| not stated | 0.10% | $100,000 | 30-59 Day Growth CD ($100,000 Minimum) |
| not stated | 0.10% | $100,000 | 30-59 Day Income CD ($100,000 Minimum) |
| not stated | 0.10% | $100,000 | 60-89 Day Growth CD ($100,000 Minimum) |
| not stated | 0.10% | $100,000 | 60-89 Day Income CD ($100,000 Minimum) |
| 3 months | 3.00% | $500 | 3 Month Growth CD |
| 3 months | 2.96% | $5,000 | 3 Month Income CD |
| 3 months | 3.00% | $100,000 | 3 Month Growth CD ($100,000 Minimum) |
| 3 months | 2.96% | $100,000 | 3 Month Income CD ($100,000 Minimum) |
| 6 months | 3.25% | $500 | 6 Month Growth CD |
| 6 months | 3.20% | $5,000 | 6 Month Income CD |
| 6 months | 3.25% | $100,000 | 6 Month Growth CD ($100,000 Minimum) |
| 6 months | 3.20% | $100,000 | 6 Month Income CD ($100,000 Minimum) |
| 12 months | 0.25% | $500 | 12 Month Growth CD |
| 12 months | 0.25% | $5,000 | 12 Month Income CD |
| 12 months | 0.25% | $100,000 | 12 Month Growth CD ($100,000 Minimum) |
| 12 months | 0.25% | $100,000 | 12 Month Income CD ($100,000 Minimum) |
| 12 months | 0.25% | $250 | 12 Month Flex 12 CD |
| 18 months | 2.50% | $500 | 18 Month Growth CD |
| 18 months | 2.47% | $5,000 | 18 Month Income CD |
| 18 months | 2.50% | $100,000 | 18 Month Growth CD ($100,000 Minimum) |
| 18 months | 2.47% | $100,000 | 18 Month Income CD ($100,000 Minimum) |
| 24 months | 2.25% | $500 | 24 Month Growth CD |
| 24 months | 2.23% | $5,000 | 24 Month Income CD |
| 24 months | 2.25% | $100,000 | 24 Month Growth CD ($100,000 Minimum) |
| 24 months | 2.23% | $100,000 | 24 Month Income CD ($100,000 Minimum) |
| 36 months | 1.00% | $500 | 36 Month Growth CD |
| 36 months | 0.99% | $5,000 | 36 Month Income CD |
| 36 months | 1.00% | $100,000 | 36 Month Growth CD ($100,000 Minimum) |
| 36 months | 0.99% | $100,000 | 36 Month Income CD ($100,000 Minimum) |
| 48 months | 1.10% | $500 | 48 Month Growth CD |
| 48 months | 1.09% | $5,000 | 48 Month Income CD |
| 48 months | 1.10% | $100,000 | 48 Month Growth CD ($100,000 Minimum) |
| 48 months | 1.09% | $100,000 | 48 Month Income CD ($100,000 Minimum) |
| 60 months | 1.25% | $500 | 60 Month Growth CD |
| 60 months | 1.24% | $5,000 | 60 Month Income CD |
| 60 months | 1.25% | $100,000 | 60 Month Growth CD ($100,000 Minimum) |
| 60 months | 1.24% | $100,000 | 60 Month Income CD ($100,000 Minimum) |
Interactive Tool
Calculate Savings for QNB Bank
All calculations are based on APY.
Tiered rates: 2.00% to 3.50% APY across 4 balance tiers.
Savings Breakdown
- Interest Earned+$764.20(5.2%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,764.20
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What QNB Bank 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.
In Q2 2026, QNB Bank paid a higher average rate on savings and money market deposits than 85% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- QNB Bank, 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 | ||||||||
| Personal Online eSavings | 1.70% | $5 | $0 | None | not stated | not stated | One rate | |
| Fine print: The advertised rate requires enrolment in electronic statements and their receipt. | ||||||||
| Individual/Family Health Savings | 0.35% | $25 | $0 | None | not stated | not stated | Tiered | |
| Personal Statement Savings | 0.10% | $5 | $0 | None | not stated | not stated | One rate | |
| Personal EZ Saver Clubs | 0.10% | $5 | $0 | None | not stated | not stated | One rate | |
| Personal High Yield Money Market | Up to 3.45% | $25 | $0 | None | not stated | not stated | Tiered | |
| Personal Select Money Market | Up to 0.70% | $25 | $0 | None | not stated | not stated | Tiered | |
| Business | ||||||||
| Business Index Sweep | Up to 3.50% | not stated | $0 | None | not stated | not stated | Tiered | |
| Business High Yield Money Market | Up to 3.45% | $25 | $0 | None | not stated | not stated | Tiered | |
| Business Select Money Market | Up to 1.40% | $25 | $0 | None | not stated | not stated | Tiered | |
| Business Statement Savings | 0.10% | $5 | $0 | None | not stated | not stated | One rate | |
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 |
|---|---|---|---|---|---|
| 30-59 Day Growth CD ($100,000 Minimum) | not stated | 0.10% | $100,000 | not stated | not stated |
| Fine print: The term is chosen when the certificate is opened, from 30 to 59 days. | |||||
| 30-59 Day Income CD ($100,000 Minimum) | not stated | 0.10% | $100,000 | not stated | not stated |
| Fine print: The term is chosen when the certificate is opened, from 30 to 59 days. Interest cannot stay in the certificate. It must be transferred to a QNB checking, savings or money market account. The certificate can be opened only at a branch. | |||||
| 60-89 Day Growth CD ($100,000 Minimum) | not stated | 0.10% | $100,000 | not stated | not stated |
| Fine print: The term is chosen when the certificate is opened, from 60 to 89 days. | |||||
| 60-89 Day Income CD ($100,000 Minimum) | not stated | 0.10% | $100,000 | not stated | not stated |
| Fine print: The term is chosen when the certificate is opened, from 60 to 89 days. Interest cannot stay in the certificate. It must be transferred to a QNB checking, savings or money market account. The certificate can be opened only at a branch. | |||||
| 3 Month Growth CD | 3 months | 3.00% | $500 | not stated | not stated |
| 3 Month Income CD | 3 months | 2.96% | $5,000 | not stated | not stated |
| 3 Month Growth CD ($100,000 Minimum) | 3 months | 3.00% | $100,000 | not stated | not stated |
| 3 Month Income CD ($100,000 Minimum) | 3 months | 2.96% | $100,000 | not stated | not stated |
| 6 Month Growth CD | 6 months | 3.25% | $500 | not stated | not stated |
| 6 Month Income CD | 6 months | 3.20% | $5,000 | not stated | not stated |
| 6 Month Growth CD ($100,000 Minimum) | 6 months | 3.25% | $100,000 | not stated | not stated |
| 6 Month Income CD ($100,000 Minimum) | 6 months | 3.20% | $100,000 | not stated | not stated |
| 12 Month Growth CD | 12 months | 0.25% | $500 | not stated | not stated |
| 12 Month Income CD | 12 months | 0.25% | $5,000 | not stated | not stated |
| 12 Month Growth CD ($100,000 Minimum) | 12 months | 0.25% | $100,000 | not stated | not stated |
| 12 Month Income CD ($100,000 Minimum) | 12 months | 0.25% | $100,000 | not stated | not stated |
| 12 Month Flex 12 CD | 12 months | 0.25% | $250 | not stated | not stated |
| Fine print: Deposits of $10.00 or more can be made at a branch at any time during the term, with no limit on the number. One withdrawal during the 12 month term carries no penalty. | |||||
| 18 Month Growth CD | 18 months | 2.50% | $500 | not stated | not stated |
| 18 Month Income CD | 18 months | 2.47% | $5,000 | not stated | not stated |
| 18 Month Growth CD ($100,000 Minimum) | 18 months | 2.50% | $100,000 | not stated | not stated |
| 18 Month Income CD ($100,000 Minimum) | 18 months | 2.47% | $100,000 | not stated | not stated |
| 24 Month Growth CD | 24 months | 2.25% | $500 | not stated | not stated |
| 24 Month Income CD | 24 months | 2.23% | $5,000 | not stated | not stated |
| 24 Month Growth CD ($100,000 Minimum) | 24 months | 2.25% | $100,000 | not stated | not stated |
| 24 Month Income CD ($100,000 Minimum) | 24 months | 2.23% | $100,000 | not stated | not stated |
| 36 Month Growth CD | 36 months | 1.00% | $500 | not stated | not stated |
| 36 Month Income CD | 36 months | 0.99% | $5,000 | not stated | not stated |
| 36 Month Growth CD ($100,000 Minimum) | 36 months | 1.00% | $100,000 | not stated | not stated |
| 36 Month Income CD ($100,000 Minimum) | 36 months | 0.99% | $100,000 | not stated | not stated |
| 48 Month Growth CD | 48 months | 1.10% | $500 | not stated | not stated |
| 48 Month Income CD | 48 months | 1.09% | $5,000 | not stated | not stated |
| 48 Month Growth CD ($100,000 Minimum) | 48 months | 1.10% | $100,000 | not stated | not stated |
| 48 Month Income CD ($100,000 Minimum) | 48 months | 1.09% | $100,000 | not stated | not stated |
| 60 Month Growth CD | 60 months | 1.25% | $500 | not stated | not stated |
| 60 Month Income CD | 60 months | 1.24% | $5,000 | not stated | not stated |
| 60 Month Growth CD ($100,000 Minimum) | 60 months | 1.25% | $100,000 | not stated | not stated |
| 60 Month Income CD ($100,000 Minimum) | 60 months | 1.24% | $100,000 | not stated | not stated |
Fine print for 16 CDs above: Interest cannot stay in the certificate. It must be transferred to a QNB checking, savings or money market account. The certificate can be opened only at a branch.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 18 branches in PA |
| Eligibility | not stated |
How QNB Bank behaves over time
Every observation of the advertised Personal Online eSavings rate in the last 12 months was 1.70% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 22, 2026Business Index SweepRaise:1.85%to2.00%
- Personal Online eSavings
- The same as 30 days ago.
- 6 months CD
- Up 0.25 percentage points from 7 days ago.
$10,000 at the 1.70% APY QNB Bank advertises on Personal Online eSavings grows to $10,170 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 $9,803 does today. See how the federal funds rate shapes savings rates.
QNB Bank CD rates over time
Who is QNB Bank?
| Headquarters | Quakertown, PA |
|---|---|
| Founded | 1877 |
| Scale | $2.4B assets · $2.1B deposits, $1.8B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 7714 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 498th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
Financial detail is in What QNB Bank pays on deposits above.
Common questions about QNB Bank
Is QNB Bank FDIC insured?
Yes. QNB Bank is FDIC insured under certificate 7714, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at QNB Bank?
QNB Bank requires a minimum deposit of $5 to open its Personal Online eSavings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does QNB Bank have branches?
Yes. QNB Bank operates 18 branches according to FDIC branch records, in addition to its website and mobile apps.
QNB Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| QNB Bank | 1.70% | 2.51% | $5 | 18 branches in PA |
| American State Bank & Trust Company of Williston | Up to1.66% | 1.07% | $100 | 2 branches in ND |
| Pinnacle Bank | Up to1.66% | 2.40% | $100 | 28 branches in TX |
| First Shore Federal Savings and Loan Association | 1.75% | 1.57% | not stated | 7 branches in DE, MD |
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 QNB Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to QNB Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Pennsylvania, money market rates in Pennsylvania, and banks in Pennsylvania.