Credit union · NCUA insured
NorthRidge Community Credit Union CD Rates
NorthRidge Community Credit Union’s best CD rate is 4.31% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How NorthRidge Community Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where NorthRidge Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NorthRidge Community Credit Union
4.31%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $213
Certificate of Deposit (CD)
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
NorthRidge Community Credit Union CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.31%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo3.29%
- 31–60 months31–60 mo3.49%
- QualifiedQualified4.31%
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 NorthRidge Community Credit Union 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.
Certificate of Deposit (CD)
Up to 4.31%APY · 6 terms
Membership requires living, working, worshipping, or attending school in St. Louis, Lake, or Itasca counties, MN (or being an eligible relative). Features a 10-day grace period after maturity to renew or cash out. Early withdrawal fee is 90 days dividends for terms less than 12 months, and 180 days dividends for terms greater than 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal fee: 90 days dividends. 10-day grace period after maturity | 4.31% | $213 |
| 12 months10-day grace period after maturity | 4.06% | $406 |
| 24 monthsEarly withdrawal fee: 180 days dividends. 10-day grace period after maturity | 3.29% | $669 |
| 36 monthsEarly withdrawal fee: 180 days dividends. 10-day grace period after maturity | 3.29% | $1,020 |
| 48 monthsEarly withdrawal fee: 180 days dividends. 10-day grace period after maturity | 3.49% | $1,471 |
| 60 monthsEarly withdrawal fee: 180 days dividends. 10-day grace period after maturity | 3.49% | $1,871 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.10%APY · 4 terms
Membership requires living, working, worshipping, or attending school in St. Louis, Lake, or Itasca counties, MN (or being an eligible relative). Minimum deposit to open is $1000. Early withdrawal fee: 90 days interest deducted; IRS early withdrawal penalties apply before age 59 1/2 unless used for first-time home purchase ($10,000) or education. 10-day grace period granted after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal fee: 90 days interest. 10-day grace period after maturity | 4.10% | $410 |
| 24 monthsEarly withdrawal fee: 90 days interest. 10-day grace period after maturity | 3.29% | $669 |
| 36 monthsEarly withdrawal fee: 90 days interest. 10-day grace period after maturity | 3.29% | $1,020 |
| 48 monthsEarly withdrawal fee: 90 days interest. 10-day grace period after maturity | 3.50% | $1,475 |
Sources (2)
All captured Sep 18, 2026
Who can join NorthRidge Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.