Credit union · NCUA insured
Northern Credit Union CD Rates
Northern Credit Union’s best CD rate is 4.25% APY on a 10-month share certificate (CD), with extra requirements. Terms run from 3 months to 3 years. Rates checked October 16, 2026.
How Northern Credit Union’s CD rates compare
Compared with banks and credit unions near Watertown, NY, where Northern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
Share Certificates
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
3rd-highest rate
Navy Federal Credit Union
4.10%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $621
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.25%APY · 8 terms
Federally insured by NCUA up to $250,000. $500 minimum balance required to open a certificate of deposit ($10,000 minimum for 3-Month, 6-Month, and 10-Month certificates). Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | — | 4.00% | 4.00% | $99 |
| 3 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | — | 3.40% | 3.40% | $84 |
| 3 monthsGood tier. Requires an active Checking and Direct Deposit | — | 2.90% | 2.90% | $72 |
| 6 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | — | 4.00% | 4.00% | $198 |
| 6 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | — | 3.40% | 3.40% | $169 |
| 6 monthsGood tier. Requires an active Checking and Direct Deposit | — | 2.90% | 2.90% | $144 |
| 10 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | — | 4.25% | 4.25% | $353 |
| 10 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | — | 3.65% | 3.65% | $303 |
| 10 monthsGood tier. Requires an active Checking and Direct Deposit | — | 3.15% | 3.15% | $262 |
| 12 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | 3.35% | — | 3.35% | $335 |
| 12 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | 2.75% | — | 2.75% | $275 |
| 12 monthsGood tier. Requires an active Checking and Direct Deposit | 2.25% | — | 2.25% | $225 |
| 18 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | 2.00% | — | 2.00% | $301 |
| 18 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | 1.40% | — | 1.40% | $211 |
| 18 monthsGood tier. Requires an active Checking and Direct Deposit | 0.90% | — | 0.90% | $135 |
| 24 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | 2.00% | — | 2.00% | $404 |
| 24 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | 1.40% | — | 1.40% | $282 |
| 24 monthsGood tier. Requires an active Checking and Direct Deposit | 0.90% | — | 0.90% | $181 |
| 30 monthsBest tier. Requires all requirements of Better tier, with combined balances >$25,000 | 2.00% | — | 2.00% | $508 |
| 30 monthsBetter tier. Requires an active Choice Rewards, Premium, or Next Checking and Savings with combined minimum of $10,000, and Direct Deposit | 1.40% | — | 1.40% | $354 |
| 30 monthsGood tier. Requires an active Checking and Direct Deposit | 0.90% | — | 0.90% | $227 |
| 36–60 monthsGood tier. Requires an active Checking and Direct Deposit | 0.03% | — | 0.03% | $9 |
Sources (4)
- mynorthern.com/open-savings-account-ny
- mynorthern.com/phys_cd_offer
- mynorthern.com/rates
- mynorthern.com/credit-union-share-certificate
All captured Oct 16, 2026
Who can join Northern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to members of the American Consumer Council (ACC), with complimentary ACC membership offered so anyone living outside the local communities can qualify.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly do business in Northern New York or communities currently served are eligible for membership.
Family and household
- Immediate family members of current or eligible Northern members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, or adoptive relationship) are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required to maintain membership.
Membership information collected October 5, 2026.