Skip to content
Certificates of Deposit (CDs)

Certificates of Deposit (CDs)

Secure your financial future with our Certificate of Deposit accounts. Offering guaranteed returns and a range of flexible terms, our Certificates empower you to plan ahead and watch your savings grow.


  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • Variety of options less than 1 year; annual terms up to 5 years
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Can renew automatically upon maturity through Automatic Renewable Certificates
  • $500 minimum deposit to open

Looking for safety and CD-level rates for your large deposits? Find out why thousands of safety-conscious investors choose CDARS, the easiest way to access multi-million-dollar FDIC insurance through our bank. (Limits apply.)

First Northern Bank can place your funds with multiple FDIC-insured institutions through the Certificate of Deposit Account Registry Service®. You work with us; we'll take care of the rest.

  • FDIC insurance
  • Manage multiple accounts easily
  • One bank, one rate, one statement
  • Terms from 4 weeks to 3 years
  • No fees
  • No collateralization

CDARS is great for individuals, non-profits, public funds, advisors, businesses, and socially motivated investors.

CDARS is a registered service mark of Promontory Interfinancial Network, LLC.

Interested? Reach out to us to learn more.

*Early withdrawals may result in penalties.