Bank · FDIC insured
Northern Bank CD Rates
Top CarrotNorthern Bank’s best CD rate is 4.50% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Northern Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Northern Bank has the most branches. $10,000, best rate first.
This bank’s best
Northern Bank
4.50%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $450
Certificates of Deposit (CDs)
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Northern Bank CD score
89
CD score
Higher than 88% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.50%
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 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 (CDs)
Up to 4.50%APY · 11 terms
A penalty will be imposed for early withdrawal. Maximum opening deposit of $250,000.00 per certificate of deposit account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 7 months | 4.00% | $231 |
| 9 months | 3.25% | $243 |
| 12 months | 3.90% | $390 |
| 12 monthsAvailable in branch only. To qualify for promotional APY, Premium Checking account must be opened with $10,000.00 in new money, maintained with minimum average daily balance of $10,000.00, and enrollment in e-statements. If requirements are not met, rate reduces to 12 Month CD market rate in effect at opening | 4.50% | $450 |
| 15 months | 3.25% | $408 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- nbtc.com/personal/account-rates · captured Sep 24, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.50%APY · 11 terms
A penalty will be imposed for early withdrawal. Maximum opening deposit of $250,000.00 per certificate of deposit account. $25.00 annual fee for IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.25% | $161 |
| 7 months | 4.00% | $231 |
| 9 months | 3.25% | $243 |
| 12 months | 3.90% | $390 |
| 12 monthsAvailable in branch only. To qualify for promotional APY, Premium Checking account must be opened with $10,000.00 in new money, maintained with minimum average daily balance of $10,000.00, and enrollment in e-statements. If requirements are not met, rate reduces to 12 Month CD market rate in effect at opening | 4.50% | $450 |
| 15 months | 3.25% | $408 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 30 months | 3.25% | $832 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- nbtc.com/personal/account-rates · captured Sep 24, 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.