Investing in Certificates of Deposit (CDs) is a strategic financial move with a paramount significance—the assurance of steady returns in a risk-averse environment. Northpointe Bank’s CD Rates, ensure nuances of each term carry significant implications for investors. The CD directions offered by the bank hold the key to striking a balance between liquidity and returns.

Let’s find out more about the certificate of deposits in the section below;

Northpointe Bank CD Rates Offers

The most popular offers for Northpointe Bank are depicted below;

7 – 91 Days CD

  • Minimum Deposit: $1,000
  • Interest Rate: 0.34%
  • APY: 0.35%


  • Limited opportunity for significant interest accrual compared to longer-term CDs.

Pros & Cons

Short-term commitmentLow interest rate
Quick access to fundsLimited opportunity for significant interest accrual

92 – 182 Days CD

  • Minimum Deposit: $1,000
  • Interest Rate: 0.34%
  • APY: 0.35%


  • Still a relatively short-term investment, suitable for those with a medium-term horizon.

Pros & Cons

Slightly longer termStill a relatively short-term investment
Better balance of interestModerate interest rate

6 – 11 Months CD

  • Minimum Deposit: $1,000
  • Interest Rate: 0.64%
  • APY: 0.65%


  • Suitable for those comfortable locking in funds for a bit longer for increased returns.

Pros & Cons

Moderate-term commitmentHigher minimum deposit

11-Month CD Special

  • Minimum Deposit (New Money Only): $25,000
  • Interest Rate: 5.18%
  • APY: 5.30%


  • Best suited for those with a larger sum to invest for a specific duration.
  • The New Money Only stipulation encourages new customers to benefit from the special rate.

Pros & Cons

Higher interest rateHigher minimum deposit (New Money Only)
Special offer for new fundsLess liquidity due to longer commitment

Are Northpointe Bank CD Rates Competitive?

Northpointe Bank CD Rates demonstrate competitiveness, particularly with their 11-Month CD Special offering an impressive 5.18% interest rate and 5.30% APY, significantly outperforming shorter-term options.

While the rates for the 7 – 91 Days and 92 – 182 Days CDs are relatively modest at 0.34%, the 6 – 11 Months CD strikes a balance with a 0.64% interest rate and 0.65% APY.

The 11-Month CD Special stands out as an attractive choice for those with a higher risk tolerance and a minimum deposit of $25,000, offering a compelling rate that positions Northpointe Bank’s CD options competitively in the market.

Overview Northpointe Bank 

Northpointe Bank wants to be the bank you can depend on. Over the years, people have lost faith and trust in their banks and Northpointe Bank wants to reverse all of that. This is why we put you, the customer, at the center of everything we do.

Here at Northpointe Bank, we offer new and high-value banking products nationwide. This includes custom home loans and deposit savings which are among some of the best rates in America.

We at Northpointe Bank want to empower our employees to go above and beyond your expectations of them. We hope to enrich the communities in which we live and serve. For the last six years, Independent Community Bankers of America has ranked Northpointe Bank as a top-performing bank in the nation. We were ranked as one of the top banks and we were competing with approximately 5,000 other banks. We are super proud of that and we hope you are too. 


In order to benefit from Northpointe Bank’s certificate of deposit, you must be a member of their bank. If you have not already, you can open an account with Northpointe Bank. In order to do so, you must have the following: a driver’s license, state ID, passport, or military ID; a social security number; access to email; an existing bank account to fund your new account, and lastly, the ability to view and save PDFs.

Locations Northpointe Bank 

Branches in California

Northpointe Bank has one location in California and it is located in Laguna Hills.

23461 S Pointe Dr. Suite 260

Laguna Hills, CA 92653

Available: Monday through Friday from 9:00 am to 5:00 pm

If you would like general customer service, please give us a call at 888-672-5626. We are available Monday through Friday from 8 am to 6 pm ET.

If you would like to pay a bill, please give us a call at 855-456-0001. We are available seven days a day, 7 am through 1 am ET.

If you need to contact us after hours, please do not hesitate to send us a message online. We will get back to you as soon as possible.

Frequently Asked Questions

What is the minimum deposit required to open a Northpointe Bank 11-Month CD Special?

The minimum deposit required to open a Northpointe Bank 11-Month CD Special is $25,000.

Are Northpointe Bank CD rates fixed for the entire term?

Yes, Northpointe Bank CD rates are fixed for the entire term, providing certainty about the interest earned over the investment period.

Is it possible to withdraw funds from a Northpointe Bank CD before the maturity date?

Yes, you can withdraw funds before maturity but early withdrawals from a Northpointe Bank CD are subject to penalties.

Is the interest earned on Northpointe Bank CDs subject to taxation?

Yes, interest earned on Northpointe Bank CDs is subject to taxation. So for that it is crucial to consult with a tax professional for personalized advice.

Are Northpointe Bank CD rates competitive compared to other financial institutions?

Yes, Northpointe Bank CD rates are competitive, especially the 11-Month CD Special, which offers a compelling interest rate of 5.18%.