Rate checked November 8, 2026 (today)
Northern Bank Direct 12-month CD rate: 4.00% APY
Northern Bank Direct's 12-month CD pays 4.00% APY. That ranks 36th of the 69 banks we track for this term. The best is 4.80% at EagleBank.
- APY
- 4.00%
- Last change
- None yet
- Tracked since Nov 8, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.00%, $25,000 earns about $1,000 in the first year.
The best 12-month CD earns about $1,200 on the same money. Choosing Northern Bank Direct instead gives up about $200 a year.
The middle 12-month rate across 69 banks is 4.05%. Figures are first-year interest at the quoted APY, before taxes.
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Northern Bank Direct 12-month CD rate history
We have tracked this rate since November 8, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 8, 2026 | 4.00% | First tracked |
Banks that pay more for a 12-month CD
- EagleBank4.80%
- BTG Pactual Bank4.65%
- CFG Bank4.65%
Northern Bank Direct CD rates for other terms
Other Northern Bank Direct rates
Questions
What is Northern Bank Direct's 12-month CD rate?
Northern Bank Direct pays 4.00% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $1,000 a year on $25,000.
Is Northern Bank Direct's 12-month CD rate good?
It ranks 36th of the 69 banks we track for this term. The best rate for this term is 4.80% at EagleBank, and the middle rate is 4.05%. Choosing Northern Bank Direct over the best costs about $200 a year on $25,000.
Which banks pay more than Northern Bank Direct on a 12-month CD?
EagleBank (4.80%), BTG Pactual Bank (4.65%), CFG Bank (4.65%).
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General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.