Rates updated · 73 banks tracked
Northern Bank Direct CD rates: 4.00% APY best term
Northern Bank Direct’s best tracked CD pays 4.00% across 10 terms — ranking in the lower half of the 73 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated November 8, 2026.)
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Northern Bank Direct CD rates today, by term
| Term | APY |
|---|---|
| 3 months | 4.00%Best |
| 6 months | 4.00%Best |
| 9 months | 3.50% |
| 1 year | 4.00%Best |
| 18 months | 3.25% |
| 2 years | 3.25% |
| 30 months | 3.25% |
| 3 years | 3.25% |
| 4 years | 3.25% |
| 5 years | 3.25% |
Is Northern Bank Direct a good CD rate? Not really. At 4.00% its best CD trails the 5.00% best available tracked rate, leaving about $250 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.00%, $25,000 earns $1,000/yr here versus $1,250/yr at the field leader — a $250/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Cite this page
Data as of . CD rates tracked by SwitchWize from bank rate pages and rate listings. Rates change, so confirm with the bank before you open a CD.
SwitchWize, Northern Bank Direct CD rates. Data as of November 8, 2026. https://www.switchwize.com/banks/northern-bank-direct/cd-rates
Frequently asked questions
What is Northern Bank Direct's best CD rate?▾
Northern Bank Direct's best tracked CD rate is 4.00% APY as of November 8, 2026, across 10 terms SwitchWize tracks for this bank.
Is Northern Bank Direct's CD rate good?▾
Northern Bank Direct's best CD rate ranks in the lower half of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than Northern Bank Direct on CDs?▾
Higher-paying tracked options include gtefinancial, banesco usa, valley. Compare rates at /cds to find the best current option.
Other Northern Bank Direct rates
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.