In honor of Thanksgiving Day, Northern Bank branches and the Contact Center will be closed on Thursday, November 28. As always, mobile banking, online banking and our ATM network are available to you 24/7.

Spoofing schemes are on the rise and criminals are now pretending to be bank employees. As a reminder, Northern Bank will not call you and ask for personal information like PINs, passwords, social security numbers, or account numbers. Be wary of texts, calls, or emails that ask you to log into, or send money with, payment apps. If you receive a call matching this description, or alerts of suspicious activity on your account, please contact us immediately at 1-800-273-6908 Option "0".

Partner Site Disclaimer

By accessing the noted link you will be leaving our website and entering a partner site which is hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies of the site which you are entering, which may be different than those of ours. 

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Life: Account Rates

Competitive rates to help you achieve every goal.

Effective Date: October 31, 2024

Northern Promotional Savings 1

Limited time offer.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
3.69% 3.75% $25.00 $500.00 $10.00
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Health Savings Account (HSA) 1

Earn tax-exempt interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
.10% .10% $25.00 $0.00
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Northern Plus Checking 1 7

Earn competitive interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
.05% .05% $25.00 $2,500.00 $10.00
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Northern Premium Checking 1 6

Choose the top of line services with competitive interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Wave Monthly Service Charge
Monthly Service Charge
$.01 -
$2,499.99 		.00% .00% $25.00 $10,000.00 combined depository balances 2 $20.00
$2,500.00 -
$4,999.99 		.05% .05%
$5,000.00 -
$9,999.99 		.05% .05%
$10,000.00
and above 		.05% .05%
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Northern True Savings 1 4

Earn competitive interest
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
.05% .05% $25.00 $500.00 $10.00
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Northern Premium Savings 1 5

Choose the top of line services with competitive interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
.10% .10% $25.00 $0.00
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Northern Money Market Account 1 4

Earn interest with easy access to your funds.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$2,499.99 		.05% .05% $25.00 $1,000.00 $10.00
$2,500.00 - 
$49,999.99 		.10% .10%
$50,000.00 -
$249,999.99 		.10% .10%
$250,000.00 -
and above 		.10% .10%
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Northern Money Market Premier Account 1 3 4

Earn more interest with easy access to your funds.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$49,999.99 		.10% .10% $50,000.00 $50,000.00 $25.00
$50,000.00 - 
$99,999.99 		2.96% 3.00%
$100,000.00 -
$249,999.99 		2.96% 3.00%
$250,000.00 -
and above 		2.96% 3.00%
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Certificates of Deposit (CDs) & IRA Certificate of Deposit*

Get a better return on your balances.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open & Earn APY
Open a CD
4 months 4.51% 4.60% $500.00 Open a 4-month CD
6 months 3.93% 4.00% $500.00 Open a 6-month CD
9 months 3.44% 3.50% $500.00 Open a 9-month CD
12 months 3.44% 3.50% $500.00 Open a 12-month CD
15 months 3.44% 3.50% $500.00 Open a 15-month CD
18 months 3.44% 3.50% $500.00 Open a 18-month CD
24 months 3.44% 3.50% $500.00 Open a 24-month CD
30 months 3.44% 3.50% $500.00 Open a 30-month CD
36 months 3.44% 3.50% $500.00 Open a 36-month CD
48 months 3.44% 3.50% $500.00 Open a 48-month CD
60 months 3.44% 3.50% $500.00 Open a 60-month CD

*A penalty will be imposed for early withdrawal from a certificate of deposit. Maximum opening deposit of $250,000.00 per certificate of deposit account. Fees may reduce earnings on the account. $25.00 annual fee for IRA accounts.

1

Variable Rate account. The rate may change after the account is opened. Fees may reduce earnings on the account.
2

Annual Percentage Yield (APY): There is no minimum balance required to earn the disclosed annual percentage yield except as otherwise noted.
3

New money only. Offer is for a limited time only and is subject to change without notice.
4

The monthly service charge may also be waived by making a monthly deposit during the statement cycle (Branch, ATM, Mobile or direct deposit) or if the account is enrolled in electronic statements.
5

New money only. Maintaining a personal checking account is required to be eligible for this rate. The minimum to open a personal checking account ranges from $10.00-$25.00 depending on the product selected. If a personal checking account is not maintained with an open status, then the Premium Savings Account will be reclassified as a Northern True Savings after an appropriate notice to the customer. Please refer to our Personal Account Schedule of Fees for information about other fees and charges.

6

A monthly service charge of $20.00 will be imposed if the combined daily balance of the deposit accounts for which you are a primary or secondary owner of falls below $10,000.00 any day of the statement period. In addition the monthly service charge of $20.00 can be waived if you are a business owner and have a business deposit relationship with us or if you have an active residential mortgage with us.
7

Service charge waived: with monthly direct deposit, 10 debit card purchase transactions that have posted to and cleared the account (ATM withdrawals not included) or if minimum daily balance is $2,500.00 and over.

Ready to take the next step? We’re here to help!

Contact our Team to learn more about how Northern Bank can help you realize your goals and dreams. 

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