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
Swipe to view table 
Swipe to view table 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.
Swipe to view table Interest Rate | Annual Percentage Yield (APY 2) | Minimum Balance to Open | Minimum Balance to Waive Monthly Service Charge | |
|---|---|---|---|---|
| .35% | .35% | $25.00 | $0.00 |
Swipe to view table 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% |
Swipe to view table 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.
Swipe to view table Interest Rate | Annual Percentage Yield (APY 2) | Minimum Balance to Open & Earn APY | |
|---|---|---|---|
| 5 months 3 | 3.93% | 4.00% | $500.00 |
| 6 months | .40% | .40% | $500.00 |
| 9 months | .40% | .40% | $500.00 |
| 10 months 3 | 3.93% | 4.00% | $500.00 |
| 12 months | .50% | .50% | $500.00 |
| 15 months | .50% | .50% | $500.00 |
| 17 months | 3.69% | 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.
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.
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