Northern Bank & Trust Company CD Rates — October 2026
As of October 23, 2026, Northern Bank & Trust Company's highest tracked CD rate is 4.50% APY on a 12-month relationship CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.25% to 4.00% APY.
Tracking began .
With $10,000 and no relationship requirement: 4.00% on 7 months
Northern Bank & Trust Company CD rates
Personal CDs require $500. The in-branch Premium 12-month CD also requires Premium Checking funded and maintained with $10,000 in new money and e-statements; otherwise the regular CD APY applies. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.09% | Top 58% of tracked 6-month CDs · Verified October 23, 2026 |
| 7 months | Certificate of Deposit (CD) | $500 | 4.00%Free rate alert | −0.36% | Verified October 23, 2026 |
| 9 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.15% | Top 73% of tracked 9-month CDs · Verified October 23, 2026 |
| 12 months | Premium 12-Month CD Relationship | $500 | 4.50%Free rate alert | +0.04% | Top 4% of tracked 12-month CDs · Verified October 23, 2026 |
| 12 months | Certificate of Deposit (CD) | $500 | 3.90%Free rate alert | −0.56% | Top 32% of tracked 12-month CDs · Verified October 23, 2026 |
| 15 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.27% | Verified October 23, 2026 |
| 18 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.33% | Top 61% of tracked 18-month CDs · Verified October 23, 2026 |
| 24 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.45% | Top 55% of tracked 24-month CDs · Verified October 23, 2026 |
| 30 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.49% | Verified October 23, 2026 |
| 36 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.53% | Top 48% of tracked 36-month CDs · Verified October 23, 2026 |
| 48 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.56% | Top 43% of tracked 48-month CDs · Verified October 23, 2026 |
| 60 months | Certificate of Deposit (CD) | $500 | 3.25%Free rate alert | −1.59% | Top 49% of tracked 60-month CDs · Verified October 23, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Northern Bank & Trust Company's best CD rates by term?
Northern Bank & Trust Company's best rate is 4.50% APY on 12 months, verified October 23, 2026.
- 6 mo3.25%
- 7 mo4.00%
- 9 mo3.25%
- 12 mo4.50%
- 15 mo3.25%
- 18 mo3.25%
- 24 mo3.25%
- 30 mo3.25%
- 36 mo3.25%
- 48 mo3.25%
- 60 mo3.25%
How much interest could a Northern Bank & Trust Company 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.
$450.00 interest · $10,450.00 at maturity on $10,000.00.
4.50% APY · 12 months · Premium 12-Month CD · Relationship · verified October 23, 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 | $80.823.25% APY · Certificate of Deposit (CD) · Standard | $161.653.25% APY · Certificate of Deposit (CD) · Standard | $404.113.25% APY · Certificate of Deposit (CD) · Standard | $808.233.25% APY · Certificate of Deposit (CD) · Standard |
| 7 months | $115.764.00% APY · Certificate of Deposit (CD) · Standard | $231.524.00% APY · Certificate of Deposit (CD) · Standard | $578.794.00% APY · Certificate of Deposit (CD) · Standard | $1,157.584.00% APY · Certificate of Deposit (CD) · Standard |
| 9 months | $121.503.25% APY · Certificate of Deposit (CD) · Standard | $243.003.25% APY · Certificate of Deposit (CD) · Standard | $607.493.25% APY · Certificate of Deposit (CD) · Standard | $1,214.993.25% APY · Certificate of Deposit (CD) · Standard |
| 12 months | $225.004.50% APY · Premium 12-Month CD · Relationship | $450.004.50% APY · Premium 12-Month CD · Relationship | $1,125.004.50% APY · Premium 12-Month CD · Relationship | $2,250.004.50% APY · Premium 12-Month CD · Relationship |
| 15 months | $203.833.25% APY · Certificate of Deposit (CD) · Standard | $407.663.25% APY · Certificate of Deposit (CD) · Standard | $1,019.153.25% APY · Certificate of Deposit (CD) · Standard | $2,038.303.25% APY · Certificate of Deposit (CD) · Standard |
| 18 months | $245.953.25% APY · Certificate of Deposit (CD) · Standard | $491.903.25% APY · Certificate of Deposit (CD) · Standard | $1,229.753.25% APY · Certificate of Deposit (CD) · Standard | $2,459.503.25% APY · Certificate of Deposit (CD) · Standard |
| 24 months | $330.283.25% APY · Certificate of Deposit (CD) · Standard | $660.563.25% APY · Certificate of Deposit (CD) · Standard | $1,651.413.25% APY · Certificate of Deposit (CD) · Standard | $3,302.813.25% APY · Certificate of Deposit (CD) · Standard |
| 30 months | $416.443.25% APY · Certificate of Deposit (CD) · Standard | $832.893.25% APY · Certificate of Deposit (CD) · Standard | $2,082.223.25% APY · Certificate of Deposit (CD) · Standard | $4,164.433.25% APY · Certificate of Deposit (CD) · Standard |
| 36 months | $503.523.25% APY · Certificate of Deposit (CD) · Standard | $1,007.033.25% APY · Certificate of Deposit (CD) · Standard | $2,517.583.25% APY · Certificate of Deposit (CD) · Standard | $5,035.153.25% APY · Certificate of Deposit (CD) · Standard |
| 48 months | $682.383.25% APY · Certificate of Deposit (CD) · Standard | $1,364.763.25% APY · Certificate of Deposit (CD) · Standard | $3,411.903.25% APY · Certificate of Deposit (CD) · Standard | $6,823.803.25% APY · Certificate of Deposit (CD) · Standard |
| 60 months | $867.063.25% APY · Certificate of Deposit (CD) · Standard | $1,734.113.25% APY · Certificate of Deposit (CD) · Standard | $4,335.283.25% APY · Certificate of Deposit (CD) · Standard | $8,670.573.25% APY · Certificate of Deposit (CD) · Standard |
How Northern Bank & Trust Company compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 10 of 454 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| Northern Bank & Trust Company (this institution)Premium 12-Month CD · Relationship | 12 months | $500 | Branches in MA | 4.50% | October 23, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Northern Bank & Trust Company on October 23, 2026.
About Northern Bank & Trust Company
- Legal name
- Northern Bank & Trust Company
- Regulator ID
- FDIC 18266
- Headquarters
- Woburn, MA
- Available in
- MA
- Total assets
- $3.4 billion
- Also known as
- Website
- www.nbtc.com
Source: rates read from https://www.nbtc.com/personal/account-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Northern Bank & Trust Company?
Among the rates we track, 4.50% APY on a 12-month relationship CD, as of October 23, 2026.
What is the minimum deposit for a Northern Bank & Trust Company CD?
The lowest minimum we found is $500.
How does Northern Bank & Trust Company's best CD rate compare with Treasury yields?
4.50% APY is +0.04% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% 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 Northern Bank & Trust Company CDs insured?
Northern Bank & Trust Company is an FDIC-insured bank (FDIC 18266). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Northern Bank & Trust Company's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Northern Bank & Trust Company's website and may change at any time. Confirm terms, minimums and eligibility with Northern Bank & Trust Company before opening an account. This page is not financial advice.