Certificates
If you're saving for a specific timeframe, our certificate accounts are a smart choice to help your money grow. They're simple to set up, have low minimum opening balances & offer competitive dividends. Certificates are a good savings option because they typically earn higher rates than savings, offer security, and a guaranteed rate of return. Early withdrawals are subject to a significant interest penalty.
Details
- No monthly or maintenance fees
- Open a Certificate with as little as $500
- Flexible terms to suit your needs
- Insured for up to $250,000 by the NCUA
| 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% |
| Term | Minimum Balance | Rate | APY* |
|---|---|---|---|
| 1 Year | $500.00 | 0.20% | 0.20% |
| 2 Year | $500.00 | 0.25% | 0.25% |
| 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% |
| 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% |
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. There may be a penalty for early withdrawal of a certificate.
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
Go to main navigation