In honor of Independence Day, Northern Bank branches and the Contact Center will be closed on Saturday, July 4. As always, mobile banking, online banking and our ATM network are available to you 24/7.

Due to construction, the drive-up window and drive-up ATM will not be available at our Billerica branch. The branch will remain open during regular business hours, but the drive-up lanes will remain closed during construction.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Partner Site Disclaimer

By accessing the noted link you will be leaving our website and entering a partner site which is hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies of the site which you are entering, which may be different than those of ours. 

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Business Account Rates

Competitive rates to
keep you and your
business growing.

Effective Date: May 12, 2026

Northern Business Promotional Savings 1

Grow your savings with competitive interest rates.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
1.24% 1.25% $25.00 $500.00 $10.00
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Northern Business Investment Savings Account 1

Earn additional interest on your excess balances.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Daily Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$4,999.99 		.01% .01% $25.00 $5,000.00 $15.00
$5,000.00 - 
$24,999.99 		.01% .01%
$25,000.00 -
$49,999.99 		.01% .01%
$50,000.00 -
$99,999.99 		.01% .01%
$100,000.00 -
and above 		.01% .01%
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Northern Business High Yield Money Market Account 1 3

Earn interest and have easy access to your money.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Daily Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$4,999.99 		3.45% 3.50% $25,000.00 N/A $50.00
$5,000.00 -
$24,999.99 		3.45% 3.50%
$25,000.00 -
$49,999.99 		3.45% 3.50%
$50,000.00 -
$99,999.99 		3.45% 3.50%
$100,000.00
and above 		3.45% 3.50%
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Northern Business Money Market Premier Account 1 3

Earn higher interest and have easy access to your money.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$49,999.99 		.05% .05% $50,000.00 $50,000.00 $25.00
$50,000.00 - 
$99,999.99 		.50% .50%
$100,000.00 -
$249,999.99 		1.00% 1.00%
$250,000.00 -
and above 		1.39% 1.40%
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Certificates of Deposit*

Looking for security and a better return on your balances?
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open & Earn APY
6 months 3.20% 3.25% $500.00
7 months 3.93% 4.00% $500.00
9 months 3.20% 3.25% $500.00
12 months 3.20% 3.25% $500.00
13 months 3.83% 3.90% $500.00
15 months 3.20% 3.25% $500.00
18 months 3.20% 3.25% $500.00
24 months 3.20% 3.25% $500.00
30 months 3.20% 3.25% $500.00
36 months 3.20% 3.25% $500.00
48 months 3.20% 3.25% $500.00
60 months 3.20% 3.25% $500.00

*A penalty will be imposed for early withdrawal from a certificate of deposit. Maximum opening deposit of $250,000.00 per certificate of deposit account. Fees may reduce earnings on the account.

Non-Profit Accounts

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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Non-Profit Interest Checking 1
Checking product for 501 (C) 3 organizations 		.05% .05% $25.00
Non-Profit Statement Savings 1
Checking product for 501 (C) 3 organizations 		.10% .10% $25.00
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Law Firm Accounts

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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
IOLTA Interest Checking
No monthly fee and no transaction limits on your escrow accounts 		2.20% 2.20% $25.00
Master Escrow & Sub Accounts
Ideal product to secure client funds 		.10% .10% $25.00
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Municipal Accounts

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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Daily Balance to Waive Monthly Service Charge
Monthly Service Charge
Municipal Statement Savings
A savings product for any municipal and government entity 		.10% .10% $25.00 $500.00 $10.00
Municipal Interest Checking
Checking product for any municipal and government entity 		.05% .05% $25.00 N/A N/A
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HOA Money Market 1

A secure and rewarding way to manage your HOA reserves.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Daily Balance to Waive Monthly Service Charge
Monthly Service Charge
$.01 -
$49,999.99 		0.75% 0.75% 25.00 $5,000.00 $15.00
$50,000.00 - 
$99,999.99 		1.00% 1.00%
$100,000.00 -
$249,999.99 		1.49% 1.50%
$250,000.00 -
$499,999.99 		1.74% 1.75%
$500,000.00 -
and above 		1.98% 2.00%
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1

Variable Rate account. The rate may change after the account is opened. Fees may reduce earnings on the account.
2

Annual Percentage Yield (APY): There is no minimum balance required to earn the disclosed annual percentage yield except as otherwise noted.
3

New money only. Offer is for a limited time only and is subject to change without notice.

Ready to take the next step? We’re here to help!

Contact us now to learn more about how Northern Bank can help you realize your goals and dreams. 

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