Spoofing schemes are on the rise and criminals are now pretending to be bank employees. As a reminder, Northern Bank will not call you and ask for personal information like PINs, passwords, social security numbers, or account numbers. Be wary of texts, calls, or emails that ask you to log into, or send money with, payment apps. If you receive a call matching this description, or alerts of suspicious activity on your account, please contact us immediately at 1-800-273-6908 Option "0".

Life: Account Rates

Competitive rates to help you achieve every goal.

Effective Date: September 25, 2024

Northern Promotional Savings 1

Limited time offer.
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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
3.83% 3.90% $25.00 $500.00 $10.00

Health Savings Account (HSA) 1

Earn tax-exempt interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
.10% .10% $25.00 $0.00

Northern Plus Checking 1 7

Earn competitive interest.
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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
.05% .05% $25.00 $2,500.00 $10.00

Northern Premium Checking 1 6

Choose the top of line services with competitive interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Wave Monthly Service Charge
Monthly Service Charge
$.01 -
$2,499.99
.00% .00% $25.00 $10,000.00 combined depository balances 2 $20.00
$2,500.00 -
$4,999.99
.05% .05%
$5,000.00 -
$9,999.99
.05% .05%
$10,000.00
and above
.05% .05%

Northern True Savings 1 4

Earn competitive interest
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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
.05% .05% $25.00 $500.00 $10.00

Northern Premium Savings 1 5

Choose the top of line services with competitive interest.
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Interest Rate
Annual Percentage Yield (APY 2)
Minimum Balance to Open
Minimum Balance to Waive Monthly Service Charge
.25% .25% $25.00 $0.00

Northern Money Market Account 1 4

Earn interest with easy access to your funds.
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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 -
$2,499.99
.05% .05% $25.00 $1,000.00 $10.00
$2,500.00 - 
$49,999.99
.10% .10%
$50,000.00 -
$249,999.99
.15% .15%
$250,000.00 -
and above
.20% .20%

Northern Money Market Premier Account 1 3 4

Earn more interest with easy access to your funds.
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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
.10% .10% $50,000.00 $50,000.00 $25.00
$50,000.00 - 
$99,999.99
3.20% 3.25%
$100,000.00 -
$249,999.99
3.30% 3.35%
$250,000.00 -
and above
3.44% 3.50%

Certificates of Deposit (CDs) & IRA Certificate of Deposit*

Get 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 4.65% 4.75% $500.00
9 months 3.93% 4.00% $500.00
12 months 3.93% 4.00% $500.00
15 months 3.93% 4.00% $500.00
18 months 3.93% 4.00% $500.00
24 months 3.44% 3.50% $500.00
30 months 3.44% 3.50% $500.00
36 months 3.44% 3.50% $500.00
48 months 3.44% 3.50% $500.00
60 months 3.44% 3.50% $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. $25.00 annual fee for IRA accounts.

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

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