Whatever your savings goals are, we can help.
We offer a variety of Certificate of Deposit (CD) and Individual Retirement Account (IRA) terms to fit your unique needs. Rates are subject to change daily. For the most accurate information, please stop by or contact one of our Branch Locations.
Certificate of Deposit Rates & Terms
Rates effective 08/04/2025 until adjusted.
| Type | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| 91 Day | $100 | 2.00 | 2.02 |
| 182 Day | $100 | 3.50 | 3.53 |
| 12 Month (1 Year) | $100 | 3.50 | 3.55 |
| 18 Month (1.5 Year) | $100 | 3.25 | 3.29 |
| 24 Month (2 Year) | $100 | 3.10 | 3.14 |
| 30 Month (2 1/2 Year) | $100 | 3.10 | 3.14 |
| 36 Month (3 Year) | $100 | 3.10 | 3.14 |
| 48 Month (4 Year) | $100 | 3.10 | 3.14 |
| 60 Month (5 Year) | $100 | 3.10 | 3.14 |
Individual Retirement Account Rates & Terms
Rates effective 08/04/2025 until adjusted.
| Type | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| IRA Fixed - 6 Month | $25 | 3.60 | 3.65 |
| IRA Variable - 18 Month | $25 | 3.25 | 3.29 |
| IRA Fixed - 18 Month | $25 | 3.35 | 3.39 |
| IRA Fixed - 30 Month | $25 | 3.20 | 3.24 |
* Annual Percentage Yield (APY) is based on quarterly compounding of interest.
* Fees may reduce earnings.
* Penalty may apply for early withdrawal.
CD Calculators
- Certificate of Deposit: Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
- CD Ladder: Use this calculator to examine the benefits of investing in a series of Certificates of Deposit with different maturities, also called a CD ladder.
IRA Calculators
- Regular IRA: Contributing to a traditional IRA can create a current tax deduction, plus it provides for tax-deferred growth.
- Roth IRA: Creating a Roth IRA can make a big difference in your retirement savings. Use this calculator to help estimate how much.
- Roth Transfer: This calculator compares two alternatives with equal out-of-pocket costs to estimate the change in total net worth, at retirement, if you convert your Traditional IRA into a Roth IRA.
Our Accounts Team
| Buffalo | Douglas | Gillette | Newcastle | Sheridan |
|---|
Douglas
 Stacey Hessler
|
|
 Lindsey Stearns
lstearns@firstnorthern.bank |
Gillette
 Justin Esquibel
jesquibel@firstnorthern.bank |
 Faith Glover
fglover@firstnorthern.bank |
 Avree Little
alittle@firstnorthern.bank |
Newcastle
 Melinda Giesness
|
 Dillon Ehlers
dehlers@firstnorthern.bank |
 Micole Miller
mmiller@firstnorthern.bank |
 Tina Wilson
twilson@firstnorthern.bank |
Sheridan
 Erin Legerski
elegerski@firstnorthern.bank |
 Anna Hollen
ahollen@firstnorthern.bank |
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