Savings that grow at a steady rate
Set money aside for 6 months to 5 years and earn a competitive rate you can count on. A simple way for members to grow savings close to home.
Put your savings to work
Share Certificates give you a fixed rate and flexible terms from 6 months to 5 years. It’s an easy way to set money aside and earn more over time.
Competitive fixed rates
Lock in a steady rate for your full term, so you know exactly how your savings will grow.
Flexible terms
Choose a term that fits your goals, from 6 months to 5 years.
Safe and local
Grow your savings with a trusted local credit union that’s here to help every step of the way.
Compare our CD rates with leading competitors.
| Term | Tier | Minimum to Open & Earn Dividends | Dividend Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|---|
|
6 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$100,000.00 and up |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$100,000.00 and up |
$1,000.00 |
|
|
90 days dividends |
|
24 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$1,000.00 - $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$10,000.00 - $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$25,000.00 - $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$50,000.00 - $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$100,000.00+ |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
Rates effective as of: August 26, 2026
Penalty for early withdrawal.
TIS Disclosures can be found here.
What our customers say
I recently became a new member and opened a CD with NCU. I was very pleased with the quick/easy process and helpful staff! Thank you!
Have been banking with them for several years now, best bank/credit union in NE Minnesota as far as I'm concerned.
With moving a few times in my life and having to use different banks, this one is my favorite. Thanks guys for being amazing at your job!
Make informed decisions with our resources
Ready to grow your savings?
Open a Share Certificate with Northwoods Credit Union and lock in a competitive rate from a local team you can trust.
Rates
| Term | Tier | Minimum to Open & Earn Dividends | Dividend Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|---|
|
6 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
6 Month |
$100,000.00 and up |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
90 days dividends |
|
12 Month |
$100,000.00 and up |
$1,000.00 |
|
|
90 days dividends |
|
24 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
24 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
36 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$1,000.00 - $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$10,000.00 - $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$25,000.00 - $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$50,000.00 - $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
48 Month |
$100,000.00+ |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$1,000.00 to $9,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$10,000.00 to $24,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$25,000.00 to $49,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$50,000.00 to $99,999.99 |
$1,000.00 |
|
|
180 days dividends |
|
60 Month |
$100,000.00 and up |
$1,000.00 |
|
|
180 days dividends |
Rates effective as of: August 26, 2026
Penalty for early withdrawal.
TIS Disclosures can be found here.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Open Account
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.