# Northern Bank & Trust Company CD rates

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.

Canonical page: https://apyledger.com/cd-rates/northern-bank-and-trust-company
Institution: Northern Bank & Trust Company (FDIC 18266)
Aliases: 
Status: live
Last verified: 2026-10-23T11:34:35.000Z (October 23, 2026)
Official source: https://www.nbtc.com/personal/account-rates
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (CD) | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.09% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 7 months | $500 | 4.00% | Not ZIP-priced | −0.36% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Premium 12-Month CD | relationship | 12 months | $500 | 4.50% | Not ZIP-priced | +0.04% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 12 months | $500 | 3.90% | Not ZIP-priced | −0.56% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 15 months | $500 | 3.25% | Not ZIP-priced | −1.27% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 18 months | $500 | 3.25% | Not ZIP-priced | −1.33% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 24 months | $500 | 3.25% | Not ZIP-priced | −1.45% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 30 months | $500 | 3.25% | Not ZIP-priced | −1.49% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.53% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.56% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |
| Certificate of Deposit (CD) | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.59% | 2026-10-23T11:34:35.000Z | [Snapshot 1020](https://apyledger.com/snapshots/1020) |

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.