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1. When a transaction is initiated at a non-Northern Bank ATM, a surcharge may be assessed by the owner or operator of the ATM, or by an automated transfer network.

2. Annual Percentage Yield (APY) effective as of 8/08/22, $500 minimum to open and earn the APY. A penalty will be imposed for early withdrawal from a certificate of deposit. Maximum opening deposit of $250,000.00 per certificate of deposit account. Fees may reduce earnings on the account.

3. Annual Percentage Yield (APY) is effective 9/27/2022. Variable rate account. The rate may change after account opening. Minimum deposit to open $5,000.00.If your daily balance is less than $250,000.00, the interest paid on the entire balance of your account will be 2.72% with an annual percentage yield of 2.75%. If your daily balance is $250,000.00 up to $999,999.99, the interest rate paid on the entire balance in your account will be .25% with an annual percentage yield of .25%. If your daily balance is $1,000,000.00 and above, the interest rate paid on the entire balance of the account will be .25 % with an annual percentage yield of .25%. Fees may reduce earnings.