Life: Account Rates
Competitive rates to help you achieve every goal.
Effective Date: May 3, 2024
Swipe to view table 
Swipe to view table Interest Rate | Annual Percentage Yield (APY 2) | Minimum Balance to Open | Minimum Balance to Waive Monthly Service Charge | |
|---|---|---|---|---|
| .35% | .35% | $25.00 | $0.00 |
Swipe to view table 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% |
Swipe to view table 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.
Swipe to view table Interest Rate | Annual Percentage Yield (APY 2) | Minimum Balance to Open & Earn APY | |
|---|---|---|---|
| 6 months | 4.89% | 5.00% | $500.00 |
| 12 months | 4.89% | 5.00% | $500.00 |
| 15 months | 4.41% | 4.50% | $500.00 |
| 18 months | 4.65% | 4.75% | $500.00 |
| 24 months | 4.41% | 4.50% | $500.00 |
| 30 months | 3.93% | 4.00% | $500.00 |
| 36 months | 3.93% | 4.00% | $500.00 |
| 48 months | 3.93% | 4.00% | $500.00 |
| 60 months | 3.93% | 4.00% | $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.
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.
4
The monthly service charge may also be waived by making a monthly deposit during the statement cycle (Branch, ATM, Mobile or direct deposit) or if the account is enrolled in electronic statements.
5
New money only. Maintaining a personal checking account is required to be eligible for this rate. The minimum to open a personal checking account ranges from $10.00-$25.00 depending on the product selected. If a personal checking account is not maintained with an open status, then the Premium Savings Account will be reclassified as a Northern True Savings after an appropriate notice to the customer. Please refer to our Personal Account Schedule of Fees for information about other fees and charges.
6
A monthly service charge of $20.00 will be imposed if the combined daily balance of the deposit accounts for which you are a primary or secondary owner of falls below $10,000.00 any day of the statement period. In addition the monthly service charge of $20.00 can be waived if you are a business owner and have a business deposit relationship with us or if you have an active residential mortgage with us.
7
Service charge waived: with monthly direct deposit, 10 debit card purchase transactions that have posted to and cleared the account (ATM withdrawals not included) or if minimum daily balance is $2,500.00 and over.
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