Certificates of Deposit
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
Compounding Certificates
Effective Date: Tuesday, October 27th, 2026
Dividends are paid and compounded quarterly.
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 1.25% | 1.26% |
| 6 Month | $500.00 | 3.35% | 3.40% |
| 9 Month | $500.00 | 3.40% | 3.45% |
| 13 Month | $500.00 | 4.40% | 4.48% |
| *APY = Annual Percentage Yield. 4.58% APY is our highest 13 month fixed term compounding certificate rate and is based on a Gold member relationship. Dividends are calculated daily, compounded quarterly and paid quarterly. Share Certificate Rate premium for Silver account is additional 0.05%APY and additional 0.10%APY for Gold. Early withdrawal penalties apply, a withdrawal of dividends will reduce earnings. Minimum balance of $500. $5 Share account required. Other Certificate rates and terms are available; please ask for details. Limited Time Offer. Federally insured by the NCUA. | |||
| 18 Month | $500.00 | 3.80% | 3.85% |
| 30 Month | $500.00 | 3.30% | 3.34% |
| 3 Year | $500.00 | 3.15% | 3.19% |
| 4 Year | $500.00 | 3.10% | 3.14% |
| 5 Year | $500.00 | 3.05% | 3.09% |
PLUS Certificates
Effective Date: Tuesday, October 27th, 2026
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 | Dividend Rate | APY* |
|---|---|---|---|
| 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 for the one year plus, or two times for the 2 year plus, 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 | 3.75% | 3.81% |
| 2 Year | $500.00 | 3.90% | 3.96% |
| 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: Tuesday, October 27th, 2026
Dividends are paid and compounded quarterly.
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month Compounding | $20,000.00 | 1.30% | 1.31% |
| 6 Month Compounding | $50,000.00 | 3.40% | 3.44% |
| 9 Month Compounding | $50,000.00 | 3.45% | 3.49% |
| 12 Month Compounding | $50,000.00 | 3.80% | 3.85% |
| We may impose a penalty if you withdraw funds before the maturity date. | |||
Non-Compounding Certificates
Effective Date: Tuesday, October 27th, 2026
These Certificates Do Not Compound:
| Term | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| 3 Month | $500.00 | 1.25% | 1.25% |
| 6 Month | $500.00 | 3.35% | 3.35% |
| 9 Month | $500.00 | 3.40% | 3.40% |
| 1 Year | $500.00 | 3.75% | 3.75% |
| 13 Month | $500.00 | 4.40% | 4.40% |
| 18 Month | $500.00 | 3.80% | 3.80% |
| 2 Year | $500.00 | 3.90% | 3.90% |
| 30 Month | $500.00 | 3.30% | 3.30% |
| 3 Year | $500.00 | 3.15% | 3.15% |
| 4 Year | $500.00 | 3.10% | 3.10% |
| 5 Year | $500.00 | 3.05% | 3.05% |
| 1 Month-Jumbo | $10,000.00 | 0.15% | 0.15% |
| 2 Year-Jumbo | $50,000.00 | 3.95% | 3.95% |
| 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 Certificate today!
Read the Truth in Savings Certificate Disclosure