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*** |
|---|---|---|---|---|
| 3 Months**** | $10,000+ | 0.40% APY | 0.90% APY | 1.50% APY |
| 6 Months**** | $10,000+ | 3.15% APY | 3.65% APY | 4.25% APY |
| 12 Months | $500+ | 2.25% APY | 2.75% APY | 3.35% APY |
| 18 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 24 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 30 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 36 - 60 Months | $500+ | 0.03% APY | 0.03% APY | 0.03% APY |
$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 Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit. *** Best Rates require all of the requirements of better, but with combined balances >25K. ****3 & 6 Month CD have $10K Minimum requirement.
Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of June 1, 2025.
For maximum savings potential and benefits—and a minimum opening deposit requirement—opt for Northern’s High Yield Savings Account. Offered with Choice Rewards Checking or 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 |
|---|---|
| $0.00 - $34,999.99 | 0.75% |
| $35,000.00 - $74,999.99 | 1.00% |
| $75,000.00 to $249,999.99 | 1.75% |
| $250,000.00 and over | 3.00% |
*APY=Annual Percentage Yield. See Credit Union for account details. Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Failure to meet any of these requirements will result in account closure. Rates accurate as of January 31, 2025.
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 | 0.10% - 0.14% |
| $2,500 to $4,999.99 | 0.14% - 0.15% |
| $5,000 to $9,999.99 | 0.15% |
| $10,000 and over | 0.05% - 0.15% |
*These rates are blended for balances over $499.99. For example, if a member has $499.99 in checking they would receive dividends at the 0.10% APY rate on the first $499.99 in funds, then dividends at the .15% rate on any balances between $500.00 and $9,999.99, and then dividends at the 0.05% rate on any balances over $9,999.99. Earn 0.10% APY on all balances up to $499.99.
You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle.
Rates accurate as of June 1, 2023.
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. Our partnership with Zoo New York for our Jefferson, Lewis and St. Lawrence county members and Rosamond Gifford Zoo for Syracuse area members provides our youngest members rewards sure to drive them WILD!
Start your kids off on the road to savings today!
| Account Balance | APY |
|---|---|
| $0 to $49.99¹ | 0.10% |
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.15% |
| $25,000 + | 0.20% |
**Discounts are redeemable for Smart S.T.A.R.T members only when presenting Smart S.T.A.R.T Saver Card at checkout at participating businesses. Smart S.T.A.R.T Saver Cards are valid for Smart S.T.A.R.T members only and Cards will expire annually. Expired cards will no longer be accepted at participating businesses. New cards will be mailed annually to eligible Smart S.T.A.R.T. members only. Membership required. Smart S.T.A.R.T Saver Card can be used multiple times at participating businesses. This card has no cash value. Federally insured by NCUA.
***Based on availability, reservation required.
¹Dividends earned on $60 or would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.
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. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 2022.
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 to $1,000.00 | 5.00% |
| $1,000.01 to $5,000.00 | 0.20% - 5.00% |
| $5,000.01 and over | 0.15% - 0.20% |
*These rates are blended for balances over $1,000. For example, if a member has $1,000 in savings they would receive dividends at the 5.00% APY rate on the first $1,000 in funds, then dividends at the 0.20% rate on any balances between $1,000.01 and $5,000.00, and then dividends at the 0.15% rate on any balances over $5,000. Earn 5.00% APY on all balances up to $1,000.
Rates may change after the account is open. Fees incurred may reduce earnings on the account.
Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Failure to meet any of these requirements will result in account closure.
Rates accurate as of June 1, 2023.
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 to $9,999.99 | 0.15% |
| $10,000.00 to $49,999.99 | 0.20% |
| $50,000.00 to $99,999.99 | 0.25% |
| $100,000.00 and over | 0.30% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
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 |
|---|---|
| $0 to $49.99 | 0.10% |
| $50.00 to $4,999.99 | 0.10% |
| $5,000.00 to $24,999.99 | 0.15% |
| $25,000.00 and over | 0.20% |
*APY = Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
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 |
|---|---|
| $0 to $49.99¹ | 0.10% |
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.15% |
| $25,000 and over | 0.20% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
¹Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.