Certificates

Northland certificates are a great way to earn competitive dividends on safe, long-term investments. They are simple to set up with a low minimum requirement and offer a better return than a regular savings account.

Details

  • No monthly or maintenance fees
  • $500 minimum 
  • Flexible terms 
  • Insured up to $250,000 
  • Interest penalty for early withdrawal 

 

Regular Certificates
Effective Date: Sunday, July 3rd, 2022
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 0.15% 0.15%
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 2.00% 2.02%
3 Year $500.00 0.45% 0.45%
4 Year $500.00 0.65% 0.65%
5 Year $500.00 1.00% 1.00%


PLUS Certificates
Effective Date: Sunday, July 3rd, 2022
1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
1 Year $500.00 0.30% 0.30%
2 Year $500.00 0.55% 0.55%


Jumbo Certificates
Effective Date: Sunday, July 3rd, 2022
Dividends are paid and compounded quarterly.
TermMinimum BalanceRateAPY*
3 Month $20,000.00 0.20% 0.20%
6 Month $50,000.00 0.25% 0.25%
9 Month $50,000.00 0.30% 0.30%
12 Month $50,000.00 0.35% 0.35%


Regular Certificates-non compound
Effective Date: Sunday, July 3rd, 2022
These Certificates Do Not Compound:
TermMinimum BalanceRateAPY*
3 Month $500.00 0.15% 0.15%
6 Month $500.00 0.20% 0.20%
9 Month $500.00 0.25% 0.25%
1 Year $500.00 0.30% 0.30%
18 Month $500.00 0.50% 0.50%
2 Year $500.00 0.55% 0.55%
30 Month $500.00 2.00% 2.00%
3 Year $500.00 0.90% 0.90%
4 Year $500.00 1.80% 1.80%
5 Year $500.00 1.65% 1.65%
1 Month-Jumbo $10,000.00 0.10% 0.10%
2 Year-Jumbo $50,000.00 0.60% 0.60%

 

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! 

 

Click here for Truth In Savings disclosures.

Disclosures

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. We may impose a penalty if  you withdraw funds before the maturity date. 

Share Certificate Rate premium for Silver account is additional 0.05% and additional 0.10% for Gold. Federally insured by NCUA. We may impose a penalty if  you withdraw funds before the maturity date. 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

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