First Northern Bank and Trust CD Rates

How First Northern Bank and Trust’s CD rates compare

Compared with banks and credit unions near Allentown, PA-NJ, where First Northern Bank and Trust has the most branches. $10,000, best rate first.

This bank’s best
First Northern Bank and Trust
4.73%APY
Term
24 months
Requires
None
Minimum
$5,000
Earns on $10,000
$968
2 Year (24 Month) Adjustable CD
2nd-highest rate
Unity Bank
4.40%APY
Term
18 months
Requires
None
Minimum
$1,000
Earns on $10,000
$667
Unity Bank rates
3rd-highest rate
Wells Fargo
4.25%APY
Term
11 months
Requires
Another account
Minimum
$5,000
Earns on $10,000
$389
Wells Fargo rates

Compare CD rates near you →

CD score

Higher than 92% of U.S. banks and credit unions

By term

9–15 months9–15 mo4.44%
16–30 months16–30 mo4.73%
31–60 months31–60 mo3.00%
QualifiedQualified4.73%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where First Northern Bank and Trust ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

3 Year Adjustable CD

4.81%APY · 1 termFrom $1,000 to open

Not available for purchase effective June 7, 2022. The interest rate on your account is based on the prior month’s average 3 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 monthsNot available for purchase effective June 7, 2022; rate based on prior month's average 3 Year Treasury Note Rate, adjustable monthly	4.81%	$1,514

Sources (2)

All captured Oct 16, 2026

2 Year (24 Month) Adjustable CD

4.73%APY · 1 termFrom $5,000 to open

Open account in person. The interest rate on your account is based on the prior month’s average 2 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 monthsOpen account in person; rate based on prior month's average 2 Year Treasury Note Rate, adjustable monthly	4.73%	$968

Sources (1)

1stnorthern.bank/rates-and-resources/cd-and-ira-rates · captured Oct 16, 2026

1 Year (12 Month) Adjustable CD

4.44%APY · 1 termFrom $5,000 to open

Open account in person. The interest rate on your account is based on the prior month’s average 1 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsOpen account in person; rate based on prior month's average 1 Year Treasury Note Rate, adjustable monthly	4.44%	$444

Sources (1)

1stnorthern.bank/rates-and-resources/cd-and-ira-rates · captured Oct 16, 2026

9 Month CD

3.70%APY · 1 termFrom $10,000 to open

Open account in person. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
9 monthsOpen account in person	3.70%	$276

Sources (1)

1stnorthern.bank/rates-and-resources/cd-and-ira-rates · captured Oct 16, 2026

2 Year CD

3.00%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 months	3.00%	$609

Sources (2)

All captured Oct 16, 2026

2½ Year CD

3.00%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
30 months	3.00%	$767

Sources (2)

All captured Oct 16, 2026

3 Year CD

3.00%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 months	3.00%	$927

Sources (2)

All captured Oct 16, 2026

4 Year CD

2.50%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
48 months	2.50%	$1,038

Sources (2)

All captured Oct 16, 2026

5 Year CD

2.50%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 months	2.50%	$1,314

Sources (2)

All captured Oct 16, 2026

5 Year Royal CD

2.50%APY · 1 termFrom $1,000 to open

Please visit your local branch to open. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 monthsOpen account in person	2.50%	$1,314

Sources (2)

All captured Oct 16, 2026

1 Year CD

1.50%APY · 1 termFrom $1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 months	1.50%	$150

Sources (2)

All captured Oct 16, 2026

182 Day CD

1.00%APY$1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 and up	1.00%	$100

Sources (2)

All captured Oct 16, 2026

91 Day CD

0.75%APY$1,000 to open

Establish a CD valued at $10,000 or more to opt to receive monthly interest checks. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 and up	0.75%	$75

Sources (2)

All captured Oct 16, 2026

Special-purpose accounts

3 Year Adjustable IRA

4.81%APY · 1 termIRAPromotionalFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Not available for purchase effective June 7, 2022. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 monthsNot available for purchase effective June 7, 2022	4.81%	$1,514

Sources (2)

All captured Oct 16, 2026

2 Year IRA

3.00%APY · 1 termIRAFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 monthsOpen account in person	3.00%	$609

Sources (2)

All captured Oct 16, 2026

3 Year IRA

3.00%APY · 1 termIRAFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 monthsOpen account in person	3.00%	$927

Sources (2)

All captured Oct 16, 2026

4 Year IRA

2.50%APY · 1 termIRAFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
48 monthsOpen account in person	2.50%	$1,038

Sources (2)

All captured Oct 16, 2026

5 Year IRA

2.50%APY · 1 termIRAFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 monthsOpen account in person	2.50%	$1,314

Sources (2)

All captured Oct 16, 2026

5 Year Kid’s CD

2.50%APY · 1 termKids and teensFrom $1,000 to open

Please visit your local branch to open. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 monthsOpen account in person	2.50%	$1,314

Sources (2)

All captured Oct 16, 2026

1½ Year Adjustable IRA

2.00%APY · 1 termIRAFrom $250 to open

Invested in First Northern Bank and Trust CDs. Open account in person. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 monthsOpen account in person	2.00%	$301

Sources (2)

All captured Oct 16, 2026

1 Year IRA

1.50%APY · 1 termIRAFrom $1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsOpen account in person	1.50%	$150

Sources (2)

All captured Oct 16, 2026

182 Day IRA

1.00%APYIRA$1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 and upOpen account in person$1,000 and up	1.00%	$100	Open account in person

Sources (2)

All captured Oct 16, 2026

91 Day IRA

0.75%APYIRA$1,000 to open

Invested in First Northern Bank and Trust CDs. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings. Traditional and Roth options available.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 and upOpen account in person$1,000 and up	0.75%	$75	Open account in person

Sources (2)

All captured Oct 16, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← First Northern Bank and Trust overview

How First Northern Bank and Trust’s CD rates compare

First Northern Bank and Trust CD score

Current CD rates

3 Year Adjustable CD

2 Year (24 Month) Adjustable CD

1 Year (12 Month) Adjustable CD

9 Month CD

2 Year CD

2½ Year CD

3 Year CD

4 Year CD

5 Year CD

5 Year Royal CD

1 Year CD

182 Day CD

91 Day CD

Special-purpose accounts

3 Year Adjustable IRA

2 Year IRA

3 Year IRA

4 Year IRA

5 Year IRA

5 Year Kid’s CD

1½ Year Adjustable IRA

1 Year IRA

182 Day IRA

91 Day IRA

Opening an account