Certificates of Deposit

Northern Interstate Bank offers a variety of Certificate of Deposit accounts including IRAs. You can see our CDs below. If you would like more information on these accounts, feel free to call or stop by one of our branches, today!

Annual Percentage Yields (APY) are effective as of 04/08/2025

CD Term	Minimum Opening Deposit	Minimum Balance to Obtain APY	Interest Rate	Annual Percentage Yield
3 Month CD(1)(3)	$1000	$1000	1.10%	1.10%
6 Month CD(1)(3)	$1000	$1000	1.30%	1.31%
12 Month CD(1)(3)	$1000	$1000	1.75%	1.76%
18 Month CD(1)(3)	$1000	$1000	1.90%	1.91%
24 Month CD(1)(3)	$1000	$1000	2.00%	2.02%
30 Month CD(1)(3)	$1000	$1000	2.00%	2.02%
36 Month CD(1)(3)	$1000	$1000	2.05%	2.07%
48 Month CD(1)(3)	$1000	$1000	2.10%	2.12%
60 Month CD(1)(3)	$1000	$1000	2.25%	2.27%
Smart Start CD(1)(3)	$250	$250	0.15%	0.15%
Variable Rate IRA(1)(2)	$10	$10	4.10%	4.16%

_{(1) A penalty may be imposed for early withdrawal.}
_{(2) The interest rate and annual percentage yield may change after account opening.}
_{(3) The minimum balance to obtain annual percentage yield refers to the daily balance, or the amount of principal in the account each day.}
_{(*) Fees could reduce earnings on the account.}