What’s so great about a share certificate (also known as a CD at banks)? Share Certificates boost the amount you earn in interest income. When you reach the end of the term, the money is yours for whatever you need!
| Term | Balance | Basic* | Better** | Best*** |
|---|---|---|---|---|
| 6-60 Months | $500 - $250,000 | 0.15% APY | 0.20% APY | 0.25% APY |
APY=Annual Percentage Yield. $500 minimum balance required to open a certificate of deposit.
*To be eligible for Basic Rates, member must also have an active Checking and Direct Deposit. ** Better Rates require an active Rewards Checking, Direct Deposit, and Easy Savings Savings, Premium Savings or High Yield Savings. *** Best Rates require all of the requirements of better, plus a loan product.
Maximum certificate balance is $250,000. Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
For maximum savings potential and benefits—and a minimum opening deposit requirement—opt for Northern’s High Yield Savings Account. Exclusively offered with Premium Rewards Checking, you can:
Don’t wait! The only thing standing between you and high yield dividends is one whole dollar (and great FREE checking)!
| Account Balance | APY |
|---|---|
| $0 to $24,999.99 | 0.10% |
| $25,000 - $49,999.99 | 0.10% |
| $50,000 and over | 0.15% |
APY=Annual Percentage Yield. See Credit Union for account details.
*Available only to members with an active Premium Rewards Checking account. Failure to meet any of these requirements will result in account closure.
Looking for an easy way to start saving for something special or plan for a rainy day? Our Easy Savings Account is just what you’re searching for!
Does this sound like the right savings account for you? Don’t wait! There’s no minimum opening deposit requirement, so you can start saving now!
| Account Balance | APY* |
|---|---|
| $0 to $499.99 | 0.10% |
| $500 to $2,499.99 | 0.15% |
| $2,500 to $4,999.99 | 0.15% |
| $5,000 to $9,999.99 | 0.15% |
| $10,000 and over | 0.05% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of August 1, 2021.
*You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle. If your transactions bring the balance below $500.00, there will be a $5.00 monthly fee. Easy Savings accounts require an electronic transfer minimum monthly deposit of $25.00. Failure to meet any of these requirements will result in account closure.
Ready to teach your kids the value of saving? It’s never too early with the Smart S.T.A.R.T. Savings Program, open to kids up to age 12! Smart S.T.A.R.T. (Savings Today Are Rewards Tomorrow) ® provides a fun way for children to learn lifelong skills. Northern’s partnership with Zoo New York at Thompson Park provides our youngest members rewards sure to drive them WILD!
Start your kids off on the road to savings today!
| Account Balance | APY |
|---|---|
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.10% |
| $25,000 + | 0.10% |
APY=Annual Percentage Yield. See Credit Union for account details.
*Based on availability, reservation required.
Members can fund savings accounts for their child(ren) and limit access until their child(ren) reach the age of 18. The account owner is the child, but only one parent or guardian can be listed as the custodian and controls the account until the child is no longer a minor. After the child becomes an adult, the custodian will need to close the account and the funds will be given to the child to open a general membership savings or checking account.
NEXT eChecking with eStatements is great for today; NEXT eSavings sets you up for tomorrow! Designed for young adults ages 18–25 with NEXT eChecking, you:
Now that you’re saving in style, check out awesome products like auto loans and student loans that you can get with the rest of NEXT!
| Amount | APY |
|---|---|
| $0 - $500.00 | 5.00% |
| $500.01 and over | 0.10% |
APY=Annual Percentage Yield. See Credit Union for account details. Limit one NEXT eSavings account per social security number. Failure to meet any of these requirements will result in account closure. Rates accurate as of September 9, 2020.
What’s better than earning high interest rates? The freedom to access your money when you want it with Northern’s Money Market Account!
Start earning great rates—without giving up convenience—now!
| Amount | APY |
|---|---|
| $0+ | 0.10% |
APY=Annual Percentage Yield. See Credit Union for account details.
There’s an easy way to save for those special times. With a Northern Christmas or Vacation Club Savings Account:
Let Northern help you on your way to a holiday or trip you won’t forget!
| Balance* | APY |
|---|---|
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.10% |
| $25,000 + | 0.10% |
APY = Annual Percentage Yield. See Credit Union for account details.
Ready to take the first step toward your savings goals? Then our Basic Savings account is for you!
The best part? You’ll become a Northern Credit Union member just for opening your account!
| Account Balance | APY |
|---|---|
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.10% |
| $25,000 + | 0.10% |
APY=Annual Percentage Yield. See Credit Union for account details.