Look Up! Northland Share Certificate Rates are Rising.

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  

New Member Account

Open a Certificate

 

 

Regular Certificates
Effective Date: Tuesday, June 6th, 2023
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 0.50% 0.50%
6 Month $500.00 3.50% 03.55%
9 Month $500.00 2.00% 2.02%
18 Month $500.00 3.75% 3.80%
30 Month $500.00 2.45% 2.47%
3 Year $500.00 2.50% 2.52%
4 Year $500.00 2.55% 2.57%
5 Year $500.00 2.75% 2.78%
We may impose a penalty if you withdraw funds before the maturity date.


PLUS Certificates
Effective Date: Tuesday, June 6th, 2023
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 2.30% 2.32%
2 Year $500.00 2.35% 2.37%
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, June 6th, 2023
Dividends are paid and compounded quarterly.
TermMinimum BalanceDividend RateAPY*
3 Month $20,000.00 0.55% 0.55%
6 Month $50,000.00 3.55% 3.60%
9 Month $50,000.00 2.05% 2.07%
12 Month $50,000.00 2.35% 2.37%
We may impose a penalty if you withdraw funds before the maturity date.


Regular Certificates-non compound
Effective Date: Tuesday, June 6th, 2023
These Certificates Do Not Compound:
TermMinimum BalanceDividend RateAPY*
3 Month $500.00 0.50% 0.50%
6 Month $500.00 3.50% 3.50%
9 Month $500.00 2.00% 2.00%
1 Year $500.00 2.30% 2.30%
18 Month $500.00 3.75% 3.75%
2 Year $500.00 2.35% 2.35%
30 Month $500.00 2.45% 2.45%
3 Year $500.00 2.50% 2.50%
4 Year $500.00 2.55% 2.55%
5 Year $500.00 2.75% 2.75%
1 Month-Jumbo $10,000.00 0.15% 0.15%
2 Year-Jumbo $50,000.00 2.40% 2.40%
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


Disclosures - *APY = Annual Percentage Yield. 5.09% APY is our highest 1 year fixed term compounding certificate rate and is based on a Gold member relationship. Rate effective February 15, 2023. 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. Federally insured up to $250,000.00 by NCUA.

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