Bank · FDIC insured
Northern Bank Direct CD Rates
Top CarrotNorthern Bank Direct’s best CD rate is 4.00% APY on a 3-month CD. Terms run from 3 months to 5 years. Rates checked October 25, 2026.
How Northern Bank Direct’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Northern Bank Direct
4.00%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $99
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Northern Bank Direct CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- 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 Northern Bank Direct 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.
Certificates of Deposit
Up to 4.00%APY · 11 terms
Eligibility is limited to consumers who apply online. Maximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $99 |
| 6 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $198 |
| 9 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $261 |
| 12 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $400 |
| 15 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $408 |
| 18 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $491 |
| 24 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $661 |
| 30 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $832 |
| 36 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $1,007 |
| 48 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $1,365 |
| 60 monthsMaximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings | 3.25% | $1,734 |
Sources (3)
All captured Oct 25, 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.