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  

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Open a Certificate

 

 

Compounding Certificates
Effective Date: Friday, July 12th, 2024
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 1.25% 1.26%
6 Month $500.00 3.00% 3.04%
9 Month $500.00 3.90% 3.96%
13 Month $500.00 4.45% 4.53%
18 Month $500.00 2.25% 2.27%
30 Month $500.00 2.35% 2.37%
3 Year $500.00 2.40% 2.43%
4 Year $500.00 2.45% 2.48%
5 Year $500.00 2.50% 2.53%
We may impose a penalty if you withdraw funds before the maturity date.


PLUS Certificates
Effective Date: Friday, July 12th, 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.
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 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 2.30% 2.32%
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: Friday, July 12th, 2024
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $20,000.00 1.30% 1.31%
6 Month $50,000.00 3.05% 3.09%
9 Month $50,000.00 3.95% 4.01%
12 Month $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: Friday, July 12th, 2024
These Certificates Do Not Compound:
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 1.25% 1.25%
6 Month $500.00 3.00% 3.00%
9 Month $500.00 3.90% 3.90%
1 Year $500.00 3.75% 3.75%
13 Month $500.00 4.45% 4.45%
18 Month $500.00 2.25% 2.25%
2 Year $500.00 2.30% 2.30%
30 Month $500.00 2.35% 2.35%
3 Year $500.00 2.40% 2.40%
4 Year $500.00 2.45% 2.45%
5 Year $500.00 2.50% 2.50%
1 Month-Jumbo $10,000.00 0.15% 0.15%
2 Year-Jumbo $50,000.00 2.35% 2.35%
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! 

Click here for Truth In Savings disclosure


 

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