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Certificates

*2.62% APY promotional rate applies exclusively to Northland’s 5-Year  Compouning Share Certificate. Includes premium for Gold account relationship. APY=Annual Percentage Yield. Federally insured by NCUA. Early withdrawal penalties apply. Promotional rates accurate as of 5/16/18. Certain restrictions may apply. Minimum balance of $500. $5 Share account required. Non-compouning and other rates and terms are available; please ask for details.

With a Northland Credit Union Share Certificate Account, you can turn time into money. A Certificate is a secure way to save your funds for a set period of time, while you earn a set, predictable rate of return. Members are insured to at least $250,000!

A Northland Credit Union Share Certificate allows you to earn a competitive dividend rate. This 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.


Regular Certificates
Effective Date: Sunday, May 20th, 2018
Dividends are paid and compounded quarterly.
TermMinimum BalanceRateAPY*
3 Month $500.00 0.10% 0.10%
6 Month $500.00 0.20% 0.20%
9 Month $500.00 0.40% 0.40%
18 Month $500.00 0.80% 0.80%
30 Month $500.00 1.00% 1.00%
3 Year $500.00 1.10% 1.10%
4 Year $500.00 1.50% 1.51%
5 Year $500.00 2.50% 2.52%

PLUS Certificates
Effective Date: Sunday, May 20th, 2018
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 0.60% 0.60%
2 Year $500.00 0.95% 0.95%

Jumbo Certificates
Effective Date: Sunday, May 20th, 2018
Dividends are paid and compounded quarterly.
TermMinimum BalanceRateAPY*
3 Month $20,000.00 0.15% 0.15%
6 Month $50,000.00 0.25% 0.25%
9 Month $50,000.00 0.45% 0.45%
12 Month $50,000.00 0.65% 0.65%

Regular Certificates-non compound
Effective Date: Sunday, May 20th, 2018
These Certificates Do Not Compound:
TermMinimum BalanceRateAPY*
3 Month $500.00 0.10% 0.10%
6 Month $500.00 0.20% 0.20%
9 Month $500.00 0.40% 0.40%
1 Year $500.00 0.60% 0.60%
18 Month $500.00 0.80% 0.80%
2 Year $500.00 0.95% 0.95%
30 Month $500.00 1.00% 1.00%
3 Year $500.00 1.10% 1.10%
4 Year $500.00 1.50% 1.50%
5 Year $500.00 2.50% 2.50%
1 Month-Jumbo $10,000.00 0.15% 0.15%
2 Year-Jumbo $50,000.00 1.00% 1.00%

Youth Certificates

We now offer a Youth Certificate with a minimum deposit of $100.00 - $10,000 max. (aggregate) for ages 0-17. Earn competitive rates for a term of one year. Ask us about our Youth Certificates today!

*APY = Annual Percentage Yield