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. A Northland Share Certificate rate is fixed for the term of the certificate. Dividends are calculated daily and paid quarterly.

Details

  • No monthly or maintenance fees
  • $500 minimum 
  • Flexible terms 
  • Insured up to $250,000  

 

Regular Certificates
Effective Date: Wednesday, September 28th, 2022
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 0.20% 0.20%
6 Month $500.00 0.55% 0.55%
9 Month $500.00 1.50% 1.51%
18 Month $500.00 2.50% 2.52%
30 Month $500.00 3.00% 3.03%
3 Year $500.00 2.25% 2.27%
4 Year $500.00 2.35% 2.37%
5 Year $500.00 2.50% 2.52%
We may impose a penalty if you withdraw funds before the maturity date.


PLUS Certificates
Effective Date: Wednesday, September 28th, 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*
We offer 1 year and 2 year term Plus Certificates. Plus Certificates are a special kind of savings option that allows you to increase the annual percentage yield, one time, during the certificate's maturity period. With this option, you may choose to increase or bump-up the APY before your certificate matures to take advantage of rising interest rates. Talk to us about bumping up your savings today.
1 Year $500.00 1.00% 1.00%
2 Year $500.00 1.55% 1.56%
Rate may change after the account is opened. We may impose a penalty if you withdraw funds before the maturity date.


Jumbo Certificates
Effective Date: Wednesday, September 28th, 2022
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $20,000.00 0.25% 0.25%
6 Month $50,000.00 0.60% 0.60%
9 Month $50,000.00 1.55% 1.56%
12 Month $50,000.00 1.05% 1.05%
We may impose a penalty if you withdraw funds before the maturity date.


Regular Certificates-non compound
Effective Date: Wednesday, September 28th, 2022
These Certificates Do Not Compound:
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 0.20% 0.20%
6 Month $500.00 0.55% 0.55%
9 Month $500.00 1.50% 1.50%
1 Year $500.00 1.00% 1.00%
18 Month $500.00 2.50% 2.50%
2 Year $500.00 1.55% 1.55%
30 Month $500.00 3.00% 3.00%
3 Year $500.00 2.25% 2.25%
4 Year $500.00 2.35% 2.35%
5 Year $500.00 2.50% 2.50%
1 Month-Jumbo $10,000.00 0.15% 0.15%
2 Year-Jumbo $50,000.00 1.60% 1.60%
We may impose a penalty if you withdraw funds before the maturity date.

 

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 disclosure


Disclosures - *APY = Annual Percentage Yield. Share Certificate Rate premium for Silver account is additional 0.05% and additional 0.10% for Gold. $5 Share account required. $500 minimum certificate balance. Certain restrictions may apply. Federally insured by NCUA.

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