Credit union · NCUA insured
NorthCountry Federal Credit Union CD Rates
Top CarrotNorthCountry Federal Credit Union’s best CD rate is 4.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How NorthCountry Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Burlington, VT, where NorthCountry Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NorthCountry Federal Credit Union
4.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $198
Certificates
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
The Business Bank
4.25%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $175
NorthCountry Federal Credit Union CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.00%
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 NorthCountry 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.
Certificates
Up to 4.00%APY · 7 terms
To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
| Term | APY · $100 and up | APY · $250 and up | APY · $3,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 4.00% | — | 4.00% | $198 |
| 12 months | — | 4.00% | — | 4.00% | $400 |
| 12 monthsSeedling Certificate. Limit of one per member | 3.25% | — | — | 3.25% | $325 |
| 18 months | — | 3.70% | — | 3.70% | $560 |
| 24 months | — | 3.70% | — | 3.70% | $754 |
| 24 monthsSapling Certificate. Variable rate | — | — | 3.80% | 3.80% | $774 |
| 36 months | — | 3.70% | — | 3.70% | $1,152 |
| 48 months | — | 3.70% | — | 3.70% | $1,564 |
| 60 months | — | 3.70% | — | 3.70% | $1,992 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
HSA Certificates
Up to 4.00%APY · 7 terms
To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account.
| Term | APY · $250 and up | APY · $3,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.00% | — | 4.00% | $198 |
| 12 months | 4.00% | — | 4.00% | $400 |
| 18 months | 3.70% | — | 3.70% | $560 |
| 24 months | 3.70% | — | 3.70% | $754 |
| 24 monthsSapling Certificate. Variable rate | — | 3.80% | 3.80% | $774 |
| 36 months | 3.70% | — | 3.70% | $1,152 |
| 48 months | 3.70% | — | 3.70% | $1,564 |
| 60 months | 3.70% | — | 3.70% | $1,992 |
Sources (2)
All captured Oct 15, 2026
IRAs
Up to 4.00%APY · 7 terms
Available as Traditional or Roth IRA certificates. No annual or program fee, and no penalty fee for taking required minimum distribution when turning 73. To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account.
| Term | APY · $250 and up | APY · $3,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.00% | — | 4.00% | $198 |
| 12 months | 4.00% | — | 4.00% | $400 |
| 18 months | 3.70% | — | 3.70% | $560 |
| 24 months | 3.70% | — | 3.70% | $754 |
| 24 monthsSapling Certificate. Variable rate | — | 3.80% | 3.80% | $774 |
| 36 months | 3.70% | — | 3.70% | $1,152 |
| 48 months | 3.70% | — | 3.70% | $1,564 |
| 60 months | 3.70% | — | 3.70% | $1,992 |
Sources (3)
- northcountry.org
- northcountry.org/resources/planning/account-rates
- northcountry.org/save/accounts…-retirement-accounts-ira
All captured Oct 15, 2026
Who can join NorthCountry 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
- Membership is open to people who live, work, attend school, or worship in qualifying counties in Vermont, New Hampshire, and New York: Addison (VT), Caledonia (VT), Chittenden (VT), Clinton (NY), Coos (NH), Essex (VT), Franklin (VT), Grand Isle (VT), Grafton (NH), Lamoille (VT), Orange (VT), Orleans (VT), Rutland (VT), and Washington (VT).
Family and household
- Membership is open to immediate relatives / immediate family of existing credit union members.
Cost to join
- A minimum balance of $5.00 must be maintained in a share (savings) account to be a member of the credit union.
Membership information collected October 4, 2026.