# North Country Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/north-country-federal-credit-union
Institution: North Country Federal Credit Union (NCUA 24312)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:40.000Z (October 22, 2026)
Official source: https://www.northcountry.org/save/accounts/personal-savings/certificates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 6-Month Certificate | standard | 6 months | $250 | 4.00% | Not ZIP-priced | −0.40% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 12-Month Certificate | standard | 12 months | $250 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| Seedling 12-Month Certificate | special | 12 months | $100 | 3.25% | Not ZIP-priced | −1.32% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 18-Month Certificate | standard | 18 months | $250 | 3.70% | Not ZIP-priced | −1.02% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| Sapling 24-Month Certificate | standard | 24 months | $3,000 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 24-Month Certificate | standard | 24 months | $250 | 3.70% | Not ZIP-priced | −1.17% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 36-Month Certificate | standard | 36 months | $250 | 3.70% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 48-Month Certificate | standard | 48 months | $250 | 3.70% | Not ZIP-priced | −1.28% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |
| 60-Month Certificate | standard | 60 months | $250 | 3.70% | Not ZIP-priced | −1.31% | 2026-10-23T02:10:40.000Z | [Snapshot 869](https://apyledger.com/snapshots/869) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.