Bank · FDIC insured
Northern Interstate Bank CD Rates
Northern Interstate Bank’s best CD rate is 2.27% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Northern Interstate Bank’s CD rates compare
Compared with banks and credit unions near Iron Mountain, MI-WI, where Northern Interstate Bank has the most branches. $10,000, best rate first.
This bank’s best
Northern Interstate Bank
2.27%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,188
Certificates of Deposit
Top rate
Flagstar Bank
4.30%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $430
2nd-highest rate
Range Bank
4.15%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $521
Northern Interstate Bank CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo1.31%
- 9–15 months9–15 mo1.76%
- 16–30 months16–30 mo2.02%
- 31–60 months31–60 mo2.27%
- QualifiedQualified2.27%
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 Interstate 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
Up to 2.27%APY · 9 terms
A penalty may be imposed for early withdrawal. Minimum balance to obtain APY refers to the daily balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 1.10% | $27 |
| 6 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 1.31% | $65 |
| 12 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 1.76% | $176 |
| 18 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 1.91% | $288 |
| 24 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 2.02% | $408 |
| 30 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 2.02% | $513 |
| 36 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 2.07% | $634 |
| 48 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 2.12% | $875 |
| 60 monthsDaily balance of $1,000 required to obtain APY. Penalty may be imposed for early withdrawal | 2.27% | $1,188 |
Sources (1)
- banknib.com/certificates-of-deposit · captured Oct 16, 2026
Smart Start CD
0.15%APY
A penalty may be imposed for early withdrawal. Minimum balance to obtain APY refers to the daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDaily balance of $250 required to obtain APY. Penalty may be imposed for early withdrawal.$250 and up | 0.15% | $15 | Daily balance of $250 required to obtain APY. Penalty may be imposed for early withdrawal. |
Sources (1)
- banknib.com/certificates-of-deposit · captured Oct 16, 2026
Special-purpose accounts
Variable Rate IRA
4.08%APY
A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upThe interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal.$10 and up | 4.08% | $408 | The interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal. |
Sources (1)
- banknib.com/certificates-of-deposit · captured Oct 16, 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.