Certificates
Disclosures
Share Certificate Rate premium for Silver account is additional 0.05% and additional 0.10% for Gold. Federally insured by NCUA. Early withdrawal penalties apply. Certain restrictions may apply. Minimum balance of $500. $5 Share account required. Non-compounding certificates and other rates and terms are available; please ask for details.
*APY = Annual Percentage Yield
A Share Certificate is a secure way to save money for a set period of time, while you earn a set, predictable rate of return. Members are insured to $250,000.
A Northland Share Certificate rate is fixed for the term of the certificate. Dividends are calculated daily and paid quarterly. There may be a penalty for early withdrawal of a certificate.
Regular Certificates Effective Date: Thursday, May 2nd, 2024 Dividends are paid and compounded quarterly.
Term Minimum Balance Rate APY*
3 Month
$500.00
0.05%
0.05%
6 Month
$500.00
0.10%
0.10%
9 Month
$500.00
0.10%
0.10%
18 Month
$500.00
0.25%
0.25%
30 Month
$500.00
0.25%
0.25%
3 Year
$500.00
0.35%
0.35%
4 Year
$500.00
0.55%
0.55%
5 Year
$500.00
0.65%
0.65%
PLUS Certificates Effective Date: Thursday, May 2nd, 2024 1yr - Rate may be increased once during the term.
2yr - Rate may be increased twice during the term.
Dividends are paid and compounded quarterly.
Term Minimum Balance Rate APY*
1 Year
$500.00
0.20%
0.20%
2 Year
$500.00
0.25%
0.25%
Jumbo Certificates Effective Date: Thursday, May 2nd, 2024 Dividends are paid and compounded quarterly.
Term Minimum Balance Rate APY*
3 Month
$20,000.00
0.10%
0.10%
6 Month
$50,000.00
0.15%
0.15%
9 Month
$50,000.00
0.15%
0.15%
12 Month
$50,000.00
0.25%
0.25%
Regular Certificates-non compound Effective Date: Thursday, May 2nd, 2024 These Certificates Do Not Compound:
Term Minimum Balance Rate APY*
3 Month
$500.00
0.05%
0.05%
6 Month
$500.00
0.10%
0.10%
9 Month
$500.00
0.10%
0.10%
1 Year
$500.00
0.20%
0.20%
18 Month
$500.00
0.25%
0.25%
2 Year
$500.00
0.25%
0.25%
30 Month
$500.00
0.25%
0.25%
3 Year
$500.00
0.35%
0.35%
4 Year
$500.00
0.55%
0.55%
5 Year
$500.00
0.65%
0.65%
1 Month-Jumbo
$10,000.00
0.10%
0.10%
2 Year-Jumbo
$50,000.00
0.30%
0.30%
Click here for Truth In Savings disclosures.
Youth Certificates
We offer a Youth Certificate with a minimum deposit of $100.00 - $10,000 max. (aggregate) for ages 0-17. The Youth certificate earns a competitive rate for a term of one year. Ask us about a Youth Certificates today!