Credit union · NCUA insured
Northland Area FCU CD Rates
Northland Area FCU’s best CD rate is 3.96% APY on a 2-year share certificate (CD). Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Northland Area FCU’s CD rates compare
Compared with banks and credit unions near Traverse City, MI, where Northland Area FCU has the most branches. $10,000, best rate first.
This credit union’s best
Northland Area FCU
3.96%APY
- Term
- 24 months
- Minimum
- —
- Earns on $10,000
- $808
PLUS Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
MSU Federal Credit Union
4.35%APY
- Term
- 84 months
- Minimum
- $2,500
- Earns on $10,000
- $3,472
Northland Area FCU CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo3.81%
- 16–30 months16–30 mo3.96%
- 31–60 months31–60 mo3.19%
- QualifiedQualified3.96%
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 Northland Area FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
PLUS Certificates
Up to 3.96%APY · 2 terms
Rate may change after the account is opened. 1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAllows you to increase the annual percentage yield one time during the maturity period | 3.81% | $381 |
| 24 monthsAllows you to increase the annual percentage yield two times during the maturity period | 3.96% | $808 |
Sources (3)
All captured Oct 5, 2026
Non-Compounding Certificates
Up to 3.90%APY · 11 terms
These certificates do not compound. Penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 1 month1 Month-Jumbo non-compounding certificate | — | 0.15% | — | 0.15% | $1 |
| 3 months | 1.25% | — | — | 1.25% | $31 |
| 6 months | 3.35% | — | — | 3.35% | $166 |
| 9 months | 3.40% | — | — | 3.40% | $254 |
| 12 months | 3.75% | — | — | 3.75% | $375 |
| 18 months | 3.80% | — | — | 3.80% | $575 |
| 24 months | 3.90% | — | — | 3.90% | $795 |
| 24 months2 Year-Jumbo non-compounding certificate | — | — | 3.95% | —3.95% from $50k | — |
| 30 months | 3.30% | — | — | 3.30% | $846 |
| 36 months | 3.15% | — | — | 3.15% | $975 |
| 48 months | 3.10% | — | — | 3.10% | $1,299 |
| 60 months | 3.05% | — | — | 3.05% | $1,621 |
Compounding Certificates
Up to 3.85%APY · 8 terms
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.26% | $31 |
| 6 months | 3.40% | $169 |
| 9 months | 3.45% | $258 |
| 18 months | 3.85% | $583 |
| 30 months | 3.34% | $856 |
| 36 months | 3.19% | $988 |
| 48 months | 3.14% | $1,316 |
| 60 months | 3.09% | $1,643 |
Sources (3)
All captured Oct 5, 2026
Jumbo Certificates
Up to 3.85%APY · 4 terms
Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
| Term | APY · $20,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 1.31% | — | —1.31% from $20k | — |
| 6 months | — | 3.44% | —3.44% from $50k | — |
| 9 months | — | 3.55% | —3.55% from $50k | — |
| 12 months | — | 3.85% | —3.85% from $50k | — |
Special-purpose accounts
IRA Certificates
Up to 3.96%APY · 10 terms
$5 Share account required. Early withdrawal penalties apply. Rate premium for Silver account is additional 0.05% APY and additional 0.10% APY for Gold. Rate effective October 22, 2025 stated for 3.85% APY 18 month fixed term compounding certificate based on Gold member relationship. Coverdell certificate minimum opening deposit is $100.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCompounding certificate | 1.26% | $31 |
| 6 monthsCompounding certificate | 3.40% | $169 |
| 9 monthsCompounding certificate | 3.45% | $258 |
| 12 monthsPlus Certificate. Rate may be increased once during the 1-year term | 3.81% | $381 |
| 18 monthsCompounding certificate. 3.85% APY is based on a Gold member relationship | 3.85% | $583 |
| 24 monthsPlus Certificate. Rate may be increased twice during the 2-year term | 3.96% | $808 |
| 30 monthsCompounding certificate | 3.34% | $856 |
| 36 monthsCompounding certificate | 3.19% | $988 |
| 48 monthsCompounding certificate | 3.14% | $1,316 |
| 60 monthsCompounding certificate | 3.09% | $1,643 |
Sources (1)
- northlandcu.com/ira · captured Oct 5, 2026
Who can join Northland Area FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in, and businesses and other legal entities located in 27 specified Northern Michigan counties, are eligible for membership.
Employers and groups
- Employees of Northland Area Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons/employees are eligible for membership.
Other ways
- Organizations of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Membership information collected October 5, 2026.