Rate checked November 8, 2026 (today)
Northern Bank Direct 18-month CD rate: 3.25% APY
Northern Bank Direct's 18-month CD pays 3.25% APY. That ranks 29th of the 31 banks we track for this term. The best is 4.85% at Bread Savings.
- APY
- 3.25%
- Last change
- None yet
- Tracked since Nov 8, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 3.25%, $25,000 earns about $813 in the first year.
The best 18-month CD earns about $1,212 on the same money. Choosing Northern Bank Direct instead gives up about $399 a year.
The middle 18-month rate across 31 banks is 4.35%. Figures are first-year interest at the quoted APY, before taxes.
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Northern Bank Direct 18-month CD rate history
We have tracked this rate since November 8, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 8, 2026 | 3.25% | First tracked |
Banks that pay more for a 18-month CD
- Bread Savings4.85%
- Merrick Bank4.85%
- Popular Direct4.80%
Northern Bank Direct CD rates for other terms
Other Northern Bank Direct rates
Questions
What is Northern Bank Direct's 18-month CD rate?
Northern Bank Direct pays 3.25% APY on its 18-month CD, based on its own rate page when we last checked. That earns about $813 a year on $25,000.
Is Northern Bank Direct's 18-month CD rate good?
It ranks 29th of the 31 banks we track for this term. The best rate for this term is 4.85% at Bread Savings, and the middle rate is 4.35%. Choosing Northern Bank Direct over the best costs about $399 a year on $25,000.
Which banks pay more than Northern Bank Direct on a 18-month CD?
Bread Savings (4.85%), Merrick Bank (4.85%), Popular Direct (4.80%).
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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.