Bank · FDIC insured
Northern State Bank of Virginia CD Rates
Northern State Bank of Virginia’s best CD rate is 0.90% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Northern State Bank of Virginia’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Northern State Bank of Virginia has the most branches. $10,000, best rate first.
This bank’s best
Northern State Bank of Virginia
0.80%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $406
60 MONTH CERTIFICATE
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Northern State Bank of Virginia CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.80%
- QualifiedQualified0.80%
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 State Bank of Virginia 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.
60 MONTH CERTIFICATE
0.80%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 60 monthsDaily balance | 0.70% | 0.80% | 0.90% | 0.80%0.70% $1k–$10k0.90% from $25k | $406 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
48 MONTH CERTIFICATE
0.65%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 48 monthsDaily balance | 0.55% | 0.65% | 0.75% | 0.65%0.55% $1k–$10k0.75% from $25k | $263 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
36 MONTH CERTIFICATE
0.45%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 36 monthsDaily balance | 0.40% | 0.45% | 0.50% | 0.45%0.40% $1k–$10k0.50% from $25k | $136 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
12 MONTH CERTIFICATE
0.40%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsDaily balance | 0.35% | 0.40% | 0.45% | 0.40%0.35% $1k–$10k0.45% from $25k | $40 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
24 MONTH CERTIFICATE
0.40%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 monthsDaily balance | 0.35% | 0.40% | 0.45% | 0.40%0.35% $1k–$10k0.45% from $25k | $80 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
6 MONTH CERTIFICATE
0.30%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsDaily balance | 0.25% | 0.30% | 0.35% | 0.30%0.25% $1k–$10k0.35% from $25k | $15 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · captured Oct 16, 2026
3 MONTH CERTIFICATE
0.25%APY · 1 term
A penalty will be imposed for early withdrawal. Daily balance calculation.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsDaily balance | 0.20% | 0.25% | 0.30% | 0.25%0.20% $1k–$10k0.30% from $25k | $6 |
Sources (1)
- nsbov.com/Pages/images/bankimages/Deposit_Rate_Chart.pdf · 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.