Current Rates - All Interest Bearing Accounts

		Interest Rate	Annual Percentage Yield+	Minimum Balance to Open	Minimum Balance Required to Waive Monthly Fee **
	Statement Savings*	.50%	.50%	$25	$500
	Basic Passbook Savings*	.50%	.50%	$10	$300
	Northern Business Investment Savings* $.01-$4,999.99	.50%	.50%	$25	$5,000
	$5,000-$24,999.99	.75%	.75%	$25	$5,000
	$25,000-$49,999.99	1.00%	1.00%	$25	$5,000
	$50,000 and up	1.50%	1.50%	$25	$5,000
	Northern NOW Account*	.10%	.10%	$25	$1,000
	Money Market* $.01-$2,499.99	.50%	.50%	$25	$1,000
	$2,500-$49,999.99	.75%	.75%	$25	$1,000
	$50,000 and up	1.00%	1.00%	$25	$1,000
	Northern Business Money Market* $.01-$2,499.99	.50%	.50%	$25	$1,000
	$2,500-$49,999.99	.75%	.75%	$25	$1,000
	$50,000 and up	1.00%	1.00%	$25	$1,000
	*Variable Rate account. The rate may change after the account is opened. Fees may reduce earnings on the account. **Refer to our "Deposit Products" section for information regarding monthly account fees.
	Certificates of Deposit
	6-9 Months	2.72%	2.75%	$500	N/A
	12 Months	2.86%	2.90%	$500	N/A
	18 Months	3.11%	3.15%	$500	N/A
	24 Months	3.25%	3.30%	$500	N/A
	30 Months	3.35%	3.40%	$500	N/A
	36 Months	3.445%	3.50%	$500	N/A
	48 Months	3.69%	3.75%	$500	N/A
	A penalty will be imposed for early withdrawal.
	IRA Certificates of Deposit
	6-9 Months	2.72%	2.75%	$500	N/A
	12 Months	2.86%	2.90%	$500	N/A
	18 Months	3.11%	3.15%	$500	N/A
	24 Months	3.25%	3.30%	$500	N/A
	30 Months	3.35%	3.40%	$500	N/A
	36 Months	3.445%	3.50%	$500	N/A
	48 Months	3.69%	3.75%	$500	N/A
	A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account.

+There is no minimum balance required to earn the disclosed annual percentage yield except as otherwise noted.