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

Regular Certificates
Effective Date: Wednesday, October 20th, 2021
Dividends are paid and compounded quarterly.
TermMinimum BalanceRateAPY*
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%

PLUS Certificates
Effective Date: Wednesday, October 20th, 2021
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 BalanceRateAPY*
1 Year $500.00 0.20% 0.20%
2 Year $500.00 0.25% 0.25%

Jumbo Certificates
Effective Date: Wednesday, October 20th, 2021
Dividends are paid and compounded quarterly.
TermMinimum BalanceRateAPY*
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%

Regular Certificates-non compound
Effective Date: Wednesday, October 20th, 2021
These Certificates Do Not Compound:
TermMinimum BalanceRateAPY*
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

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