We believe your hard-earned money should always be making you more, which is why we’re sharing two exceptional offers designed to level up your checking, boost your savings, and put some extra money in your pocket.

Receive a $250 Cash Bonus*** when you open a new Premium Rewards Checking or Choice Rewards checking account.

  • Earn the highest checking dividends in Central and Northern New York – up to
    2.0% APY on Premium Rewards Checking account balances up to $35,000.*
  • Choose your reward – get cash back or dividends and refunds on ATM fees with
    our Choice Rewards Checking account.

Earn up to 4.25% APY** on a 6-Month Share Certificate (CD)

  • Take advantage of excellent rates and earn extra money effortlessly.
  • The more products and accounts you have with Northern, the higher your rate!

 

*Rates may change after the account is open. Fees incurred may reduce earnings on the account. Qualifying transactions must post and clear to the account during the monthly qualification cycle, which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions. The Average Daily Balance must be at least $10,000 to earn dividends but will be compounded on the full principal balance on deposit. Because dividends are earned on your average daily balance you can earn rewards on as little as $.01 as long as your average daily balance during the month is $10,000. These rates are blended for balances over $35,000. For example, if a member has $35,000 in checking they would receive dividends at the 2.00% APY rate on the first $35,000 in funds, and then dividends at the .10% rate on any balances over $35,000.00. Earn 2.00% APY on all balances up to $35,000. Limit one Premium Rewards checking account per person. **$500 minimum balance required to open a certificate
of deposit. To be eligible for Best Rates, member must also have an active Choice Rewards, or Premium or Next Checking and Savings with combined minimum balances >25K. Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account. *** Between 11/20/25 – 2/20/25 checking
bonus member must open a Rewards Checking account: Premium or Choice. Member will receive $100 at opening and $150 will be released after 90 days to members that qualify for Rewards Checking. Account must have a positive balance to receive incentive. Members with existing Northern Choice Rewards, or Premium checking accounts do not qualify. The value of your gift will be reported on Form 1099-INT and deposited into your account within 90 days of meeting requirements. By accepting the prize as awarded, you agree to hereby release Northern Credit Union, its agents and representatives from all liability relating to the awarded prize or contest itself. Certain restrictions apply. See Credit Union for details. Minimum $5 deposit required to open and hold membership. Incentives are not transferable. APY=Annual Percentage Yield. Rates accurate as 11/13/25. Equal Housing Opportunity. Federally insured by NCUA.