North Country Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, North Country Federal Credit Union's highest tracked CD (share certificate) rate is 4.00% APY on a 6-month CD ($250 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.70% to 4.00% APY.
Tracking began .
North Country Federal Credit Union CD & share certificate rates
Membership required. Certificates from 6 to 60 months with a $250 minimum, plus Seedling ($100) and Sapling ($3,000) certificates. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6-Month Certificate | $250 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 12-Month Certificate | $250 | 4.00% | −0.57% | Top 28% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Seedling 12-Month Certificate Special | $100 | 3.25% | −1.32% | Top 66% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18-Month Certificate | $250 | 3.70% | −1.02% | Top 43% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Sapling 24-Month Certificate | $3,000 | 3.80% | −1.07% | Top 32% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24-Month Certificate | $250 | 3.70% | −1.17% | Top 39% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36-Month Certificate | $250 | 3.70% | −1.25% | Top 32% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48-Month Certificate | $250 | 3.70% | −1.28% | Top 27% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60-Month Certificate | $250 | 3.70% | −1.31% | Top 32% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are North Country Federal Credit Union's best CD rates by term?
North Country Federal Credit Union's best rate is 4.00% APY on 6 months, verified October 22, 2026.
- 6 mo4.00%
- 12 mo4.00%
- 18 mo3.70%
- 24 mo3.80%
- 36 mo3.70%
- 48 mo3.70%
- 60 mo3.70%
How much interest could a North Country Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$198.59 interest · $10,198.59 at maturity on $10,000.00.
4.00% APY · 6 months · 6-Month Certificate · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $99.294.00% APY · 6-Month Certificate · Standard | $198.594.00% APY · 6-Month Certificate · Standard | $496.474.00% APY · 6-Month Certificate · Standard | $992.934.00% APY · 6-Month Certificate · Standard |
| 12 months | $200.004.00% APY · 12-Month Certificate · Standard | $400.004.00% APY · 12-Month Certificate · Standard | $1,000.004.00% APY · 12-Month Certificate · Standard | $2,000.004.00% APY · 12-Month Certificate · Standard |
| 18 months | $280.313.70% APY · 18-Month Certificate · Standard | $560.633.70% APY · 18-Month Certificate · Standard | $1,401.573.70% APY · 18-Month Certificate · Standard | $2,803.143.70% APY · 18-Month Certificate · Standard |
| 24 months | $387.223.80% APY · Sapling 24-Month Certificate · Standard | $774.443.80% APY · Sapling 24-Month Certificate · Standard | $1,936.103.80% APY · Sapling 24-Month Certificate · Standard | $3,872.203.80% APY · Sapling 24-Month Certificate · Standard |
| 36 months | $575.793.70% APY · 36-Month Certificate · Standard | $1,151.583.70% APY · 36-Month Certificate · Standard | $2,878.943.70% APY · 36-Month Certificate · Standard | $5,757.883.70% APY · 36-Month Certificate · Standard |
| 48 months | $782.093.70% APY · 48-Month Certificate · Standard | $1,564.183.70% APY · 48-Month Certificate · Standard | $3,910.463.70% APY · 48-Month Certificate · Standard | $7,820.923.70% APY · 48-Month Certificate · Standard |
| 60 months | $996.033.70% APY · 60-Month Certificate · Standard | $1,992.063.70% APY · 60-Month Certificate · Standard | $4,980.153.70% APY · 60-Month Certificate · Standard | $9,960.303.70% APY · 60-Month Certificate · Standard |
How North Country Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 37 of 341 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| North Country Federal Credit Union (this institution)6-Month Certificate · Standard | 6 months | $250 | Membership required · branches in NY, VT | 4.00% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Empower Federal Credit UnionShare Certificate · Standard | 6 months | $500 | Membership required · branches in NY | 5.00% | October 22, 2026 |
| AmeriCU Credit Union6 Month Certificate · Standard | 6 months | $50 | Membership required · branches in NY | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking North Country Federal Credit Union on October 22, 2026.
About North Country Federal Credit Union
- Legal name
- North Country Federal Credit Union
- Regulator ID
- NCUA 24312
- Headquarters
- Burlington, VT
- Available in
- NY, VT
- Total assets
- $1.1 billion
- Also known as
- Website
- www.northcountry.org
Source: rates read from https://www.northcountry.org/save/accounts/personal-savings/certificates. See the page text we read.
Frequently asked questions
What is the highest CD rate at North Country Federal Credit Union?
Among the rates we track, 4.00% APY on a 6-month CD, as of October 22, 2026.
What is the minimum deposit for a North Country Federal Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $3,000.
How does North Country Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.40% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are North Country Federal Credit Union CDs insured?
North Country Federal Credit Union is a federally insured credit union (NCUA 24312). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at North Country Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check North Country Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from North Country Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with North Country Federal Credit Union before opening an account. This page is not financial advice.