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CDRates

Northgate Direct

Online bank with no-fee CDs and fast account opening.

3.3 (3)
Visit Northgate Direct →
Website
example.com/northgate-direct
Headquarters
Minneapolis, MN
Institution type
Bank
Deposit insurance
FDIC
Founded
1939

Current CD rates vs. the market

Each rate compared with the best APY and the top-5 average for the same term across every lender we track.

Product Term Min. deposit APY Best rate vs. best Top-5 avg vs. top 5 Rank

3-Month CD

Penalty: 90 days of interest

 3-month $0 4.47% 4.47% Best rate 4.36% +0.11 pts #1 of 3

6-Month CD

Penalty: 90 days of interest

 6-month $2,500 4.52% 4.68% −0.16 pts 4.51% +0.01 pts #2 of 7

9-Month CD

Penalty: 90 days of interest

 9-month $0 4.56% 4.56% Best rate 4.42% +0.14 pts #1 of 6

1-Year CD

Penalty: 90 days of interest

 1-year $500 4.80% 4.80% Best rate 4.69% +0.11 pts #1 of 7

2-Year CD

Penalty: 180 days of interest

 2-year $0 4.33% 4.37% −0.04 pts 4.31% +0.02 pts #3 of 8

3-Year CD

Penalty: 180 days of interest

 3-year $2,500 4.18% 4.35% −0.17 pts 4.14% +0.04 pts #3 of 5

5-Year CD

Penalty: 180 days of interest

 5-year $1,000 4.02% 4.25% −0.23 pts 4.15% −0.13 pts #6 of 8

How Northgate Direct compares with the top 5

3-month CDs

  1. 1. Northgate Direct 4.47%
  2. 2. Lakeshore Community CU 4.34%
  3. 3. Bluewater Federal 4.26%

6-month CDs

  1. 1. Prairie Trust Credit Union 4.68%
  2. 2. Northgate Direct 4.52%
  3. 3. Summit Ridge Savings 4.51%
  4. 4. Cedar Hollow Bank 4.49%
  5. 5. Lakeshore Community CU 4.35%

9-month CDs

  1. 1. Northgate Direct 4.56%
  2. 2. Bluewater Federal 4.51%
  3. 3. Summit Ridge Savings 4.47%
  4. 4. Lakeshore Community CU 4.32%
  5. 5. Ironwood Savings Bank 4.25%

1-year CDs

  1. 1. Northgate Direct 4.80%
  2. 2. Harborline Bank 4.78%
  3. 3. Prairie Trust Credit Union 4.76%
  4. 4. Bluewater Federal 4.63%
  5. 5. Summit Ridge Savings 4.50%

2-year CDs

  1. 1. Summit Ridge Savings 4.37%
  2. 2. Harborline Bank 4.34%
  3. 3. Northgate Direct 4.33%
  4. 4. Lakeshore Community CU 4.28%
  5. 5. Prairie Trust Credit Union 4.22%

3-year CDs

  1. 1. Harborline Bank 4.35%
  2. 2. Summit Ridge Savings 4.18%
  3. 3. Northgate Direct 4.18%
  4. 4. Prairie Trust Credit Union 4.10%
  5. 5. Cedar Hollow Bank 3.88%

5-year CDs

  1. 1. Prairie Trust Credit Union 4.25%
  2. 2. Harborline Bank 4.21%
  3. 3. Lakeshore Community CU 4.13%
  4. 4. Bluewater Federal 4.08%
  5. 5. Summit Ridge Savings 4.07%

Rates over time

Northgate Direct APY history
  • 3-month · 3-Month CD
  • 6-month · 6-Month CD
  • 9-month · 9-Month CD
  • 1-year · 1-Year CD
  • 2-year · 2-Year CD
  • 3-year · 3-Year CD
  • 5-year · 5-Year CD
Northgate Direct APY history: APY over time 3.75% 4.13% 4.50% 4.88% 5.25% Aug 12 Sep 2 Sep 23 Oct 14 Nov 4 3-month · 3-Month CD — Aug 12, 2026: 4.81% APY 3-month · 3-Month CD — Aug 26, 2026: 4.76% APY 3-month · 3-Month CD — Sep 9, 2026: 4.65% APY 3-month · 3-Month CD — Sep 23, 2026: 4.61% APY 3-month · 3-Month CD — Oct 7, 2026: 4.60% APY 3-month · 3-Month CD — Oct 21, 2026: 4.59% APY 3-month · 3-Month CD — Nov 4, 2026: 4.47% APY 6-month · 6-Month CD — Aug 12, 2026: 4.84% APY 6-month · 6-Month CD — Aug 26, 2026: 4.77% APY 6-month · 6-Month CD — Sep 9, 2026: 4.70% APY 6-month · 6-Month CD — Sep 23, 2026: 4.58% APY 6-month · 6-Month CD — Oct 7, 2026: 4.56% APY 6-month · 6-Month CD — Oct 21, 2026: 4.51% APY 6-month · 6-Month CD — Nov 4, 2026: 4.52% APY 9-month · 9-Month CD — Aug 12, 2026: 4.88% APY 9-month · 9-Month CD — Aug 26, 2026: 4.85% APY 9-month · 9-Month CD — Sep 9, 2026: 4.76% APY 9-month · 9-Month CD — Sep 23, 2026: 4.72% APY 9-month · 9-Month CD — Oct 7, 2026: 4.70% APY 9-month · 9-Month CD — Oct 21, 2026: 4.67% APY 9-month · 9-Month CD — Nov 4, 2026: 4.56% APY 1-year · 1-Year CD — Aug 12, 2026: 5.11% APY 1-year · 1-Year CD — Aug 26, 2026: 5.00% APY 1-year · 1-Year CD — Sep 9, 2026: 4.89% APY 1-year · 1-Year CD — Sep 23, 2026: 4.89% APY 1-year · 1-Year CD — Oct 7, 2026: 4.85% APY 1-year · 1-Year CD — Oct 21, 2026: 4.83% APY 1-year · 1-Year CD — Nov 4, 2026: 4.80% APY 2-year · 2-Year CD — Aug 12, 2026: 4.73% APY 2-year · 2-Year CD — Aug 26, 2026: 4.72% APY 2-year · 2-Year CD — Sep 9, 2026: 4.71% APY 2-year · 2-Year CD — Sep 23, 2026: 4.70% APY 2-year · 2-Year CD — Oct 7, 2026: 4.65% APY 2-year · 2-Year CD — Oct 21, 2026: 4.63% APY 2-year · 2-Year CD — Nov 4, 2026: 4.33% APY 3-year · 3-Year CD — Aug 12, 2026: 4.55% APY 3-year · 3-Year CD — Aug 26, 2026: 4.46% APY 3-year · 3-Year CD — Sep 9, 2026: 4.45% APY 3-year · 3-Year CD — Sep 23, 2026: 4.36% APY 3-year · 3-Year CD — Oct 7, 2026: 4.31% APY 3-year · 3-Year CD — Oct 21, 2026: 4.25% APY 3-year · 3-Year CD — Nov 4, 2026: 4.18% APY 5-year · 5-Year CD — Aug 12, 2026: 4.33% APY 5-year · 5-Year CD — Aug 26, 2026: 4.25% APY 5-year · 5-Year CD — Sep 9, 2026: 4.18% APY 5-year · 5-Year CD — Sep 23, 2026: 4.10% APY 5-year · 5-Year CD — Oct 7, 2026: 4.01% APY 5-year · 5-Year CD — Oct 21, 2026: 3.92% APY 5-year · 5-Year CD — Nov 4, 2026: 4.02% APY
View as table
ProductDateAPY
3-month · 3-Month CDAug 12, 20264.81%
3-month · 3-Month CDAug 26, 20264.76%
3-month · 3-Month CDSep 9, 20264.65%
3-month · 3-Month CDSep 23, 20264.61%
3-month · 3-Month CDOct 7, 20264.60%
3-month · 3-Month CDOct 21, 20264.59%
3-month · 3-Month CDNov 4, 20264.47%
6-month · 6-Month CDAug 12, 20264.84%
6-month · 6-Month CDAug 26, 20264.77%
6-month · 6-Month CDSep 9, 20264.70%
6-month · 6-Month CDSep 23, 20264.58%
6-month · 6-Month CDOct 7, 20264.56%
6-month · 6-Month CDOct 21, 20264.51%
6-month · 6-Month CDNov 4, 20264.52%
9-month · 9-Month CDAug 12, 20264.88%
9-month · 9-Month CDAug 26, 20264.85%
9-month · 9-Month CDSep 9, 20264.76%
9-month · 9-Month CDSep 23, 20264.72%
9-month · 9-Month CDOct 7, 20264.70%
9-month · 9-Month CDOct 21, 20264.67%
9-month · 9-Month CDNov 4, 20264.56%
1-year · 1-Year CDAug 12, 20265.11%
1-year · 1-Year CDAug 26, 20265.00%
1-year · 1-Year CDSep 9, 20264.89%
1-year · 1-Year CDSep 23, 20264.89%
1-year · 1-Year CDOct 7, 20264.85%
1-year · 1-Year CDOct 21, 20264.83%
1-year · 1-Year CDNov 4, 20264.80%
2-year · 2-Year CDAug 12, 20264.73%
2-year · 2-Year CDAug 26, 20264.72%
2-year · 2-Year CDSep 9, 20264.71%
2-year · 2-Year CDSep 23, 20264.70%
2-year · 2-Year CDOct 7, 20264.65%
2-year · 2-Year CDOct 21, 20264.63%
2-year · 2-Year CDNov 4, 20264.33%
3-year · 3-Year CDAug 12, 20264.55%
3-year · 3-Year CDAug 26, 20264.46%
3-year · 3-Year CDSep 9, 20264.45%
3-year · 3-Year CDSep 23, 20264.36%
3-year · 3-Year CDOct 7, 20264.31%
3-year · 3-Year CDOct 21, 20264.25%
3-year · 3-Year CDNov 4, 20264.18%
5-year · 5-Year CDAug 12, 20264.33%
5-year · 5-Year CDAug 26, 20264.25%
5-year · 5-Year CDSep 9, 20264.18%
5-year · 5-Year CDSep 23, 20264.10%
5-year · 5-Year CDOct 7, 20264.01%
5-year · 5-Year CDOct 21, 20263.92%
5-year · 5-Year CDNov 4, 20264.02%

About Northgate Direct

Northgate Direct is a fictional demo lender used to preview CDRates. It offers a range of certificates of deposit with terms from three months to five years.

Deposits are insured up to the legal limit.

Reviews

3.3 average from 3 reviews

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