Life: Account Rates

Competitive rates to help you achieve every goal.

Effective Date: February 3, 2023

Health Savings
Account (HSA) Rates
Northern Plus
Checking Rates
Northern Premium
Checking Rates
Northern True
Savings Rates
Northern Premium
Savings Rates
Northern Money Market
Account Rates
Certificates of Deposit (CDs)
& IRA Certificate of Deposit Rates

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

Northern Plus Checking 1

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

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
.10%.10%
$10,000.00
and above
.10%.10%

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
.10%.10%$25.00$500.00$10.00

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.

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
.35%.35%$25.00$0.00

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
.15%.15%
$250,000.00 -
and above
.20%.20%

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
3.20%3.25%
$100,000.00 -
$249,999.99
3.30%3.35%
$250,000.00 -
and above
3.44%3.50%

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
5 months 33.93%4.00%$500.00
6 months.40%.40%$500.00
9 months.40%.40%$500.00
10 months 33.93%4.00%$500.00
12 months.50%.50%$500.00
15 months.50%.50%$500.00
17 months3.69%3.75%$500.00
18 months.55%.55%$500.00
24 months.60%.60%$500.00
30 months.60%.60%$500.00
36 months.65%.65%$500.00
48 months.65%.65%$500.00
60 months.65%.65%$500.00

*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.

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