Credit union · NCUA insured
North Shore Federal Credit Union CD Rates
North Shore Federal Credit Union’s best CD rate is 3.30% APY on a 10-month share certificate (CD). Terms run from 10 months to 5 years. Rates checked October 16, 2026.
How North Shore Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Shore Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Shore Federal Credit Union
3.30%APY
- Term
- 10 months
- Minimum
- $2,500
- Earns on $10,000
- $274
Savings Certificate
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
North Shore Federal Credit Union CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo1.76%
- 31–60 months31–60 mo1.26%
- QualifiedQualified3.30%
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.
Where North Shore Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Savings Certificate
Up to 3.30%APY · 7 terms
Dividends compounded/paid monthly. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months | 3.30% | $274 |
| 12 months | 2.38% | $238 |
| 18 months | 1.76% | $265 |
| 24 months | 1.51% | $304 |
| 36 months | 1.26% | $383 |
| 48 months | 1.16% | $472 |
| 60 months | 1.06% | $541 |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Special-purpose accounts
IRA/Roth IRA Certificate
Up to 3.30%APY · 7 terms
Dividends compounded/paid monthly. Early withdrawal penalty may be imposed. Traditional and Roth IRA certificate options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months | 3.30% | $274 |
| 12 months | 2.38% | $238 |
| 18 months | 1.76% | $265 |
| 24 months | 1.51% | $304 |
| 36 months | 1.26% | $383 |
| 48 months | 1.16% | $472 |
| 60 months | 1.06% | $541 |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Youth Certificate
Up to 3.30%APY · 7 terms
Issued through age 21. Minimum deposit $25.00. Dividends compounded/paid monthly. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months10 Month CD Special: early cashing penalty of 240 days interest. Auto renewal is automatically set to 12 months. Available on Youth Advantage Certificates with a minimum $25.00 deposit | 3.30% | $274 |
| 12 months | 2.38% | $238 |
| 18 months | 1.76% | $265 |
| 24 months | 1.51% | $304 |
| 36 months | 1.26% | $383 |
| 48 months | 1.16% | $472 |
| 60 months | 1.06% | $541 |
Sources (1)
- northshorefcu.org/rates · captured Oct 5, 2026
Who can join North Shore Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work, regularly conduct business in, or attend school in Minnesota's Lake, Cook, and Southern St. Louis counties are eligible for membership.
Family and household
- Immediate family members (including spouse, parent, child, in-law, and more) of an NSFCU member, living or deceased, are eligible for membership.
Cost to join
- Individuals can become a member for as little as $10.
Membership information collected October 4, 2026.