Savings & Loan Rates

21 Month CD Special 2.51% APY*
Current rates are subject to change without notice. Rates below are effective July 1, 2018.

Bump & Roll Share Certificate / IRA Share Certificate Special

Term Minimum Opening Deposit Dividend Rate Annual Percentage Yield
21 Months $ 10,000.00 2.48% 2.51%
Bump & Roll CD account holders may take advantage of a one-time, penalty-free withdrawal during the initial term to break the CD and roll the funds into a new NorthStar CD of equal or greater term for a better rate.

Share Certificates1 / IRA Share Certificates1

Term Min. Opening Deposit Dividend Rate Annual Percentage Yield
6 Months2
$1,000.00 0.60% 0.60%
1 Year
$1,000.00
1.80% 1.82%
2 Years
$1,000.00
2.10% 2.12%
3 Years
$1,000.00 2.20% 2.22%
4 Years
$1,000.00 2.20% 2.22%
5 Years $1,000.00 2.25% 2.27%

Dream Saver Certificates1

Term Min. Opening Deposit3 Dividend Rate Annual Percentage Yield
1 Year
$50.00 1.10% 1.11%
2 Years
$50.00 1.50% 1.51%
3 Years
$50.00 1.60% 1.61%
4 Years
$50.00 1.60% 1.61%
5 Years
$50.00 1.98% 2.00%
  

1The Early Withdrawal Penalty will equal 10 days of dividends per month of the term on the amount subject to penalty.  For example, a 24 month certificate will have a 240 day penalty. Dividends will be credited to certificates monthly.  Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each month. 

 2Not available under the IRA Share Certificate Program. 3Requires an automatic deposit of at least $20.00 per month via payroll, ACH, or recurring transfer.  

Money Market Accounts
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.40% 0.40%
$10,000.00 - $24,999.99 0.45% 0.45%
$25,000.00 - $99,999.99 0.55% 0.55%
$100,000.00 & higher 0.60% 0.60%

IRA Savings
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $49.99 0.00% 0.00%
$50.00 - $2,499.99 0.20% 0.20%
$2,500.00 - $9,999.99 0.40% 0.40%
$10,000.00 - $24,999.99 0.45% 0.45%
$25,000.00 - $99,999.99 0.55% 0.55%
$100,000.00 & higher 0.60% 0.60%

Ultimate High Yield Checking3
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $10,000.00 2.96% 3.00%
$10,000.01 & higher 0.15% 0.15%

3Dividends will be credited monthly. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each month. APY=Annual Percentage Yield. 2APY accurate as of 7/01/2017. Rates may change after account is opened. Qualifications to earn interest: 12 signaturebased debit card transactions posted and settled, direct deposit of $500 or greater, e-Statements, and at least one login to It's Me 24/7 online banking each statement cycle. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5 and credited to account on the last day of monthly statement cycle; balances up to $10,000 receive APY of 3.00%; and balances over $10,000 earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.22% - 3.03% APY depending on the balance. If qualifications are not met, all balances earn 0.00% APY. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM and PIN-based transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Limit one account per SSN. Excludes business and commercial accounts.

Simply Free Checking Account
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $999.99 0.00% 0.00%
$1,000.00 - $4,999.99 0.10% 0.10%
$5,000.00 & higher 0.15% 0.15%

Savings/Christmas Club
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $99.99 0.00% 0.00%
$100.00 - $999.99 0.05% 0.05%
 $1,000.00 - $2,499.99 0.10% 0.10%
$2,500.00 & higher 0.13% 0.13%



Current rates subject to change without notice.
Call us for the latest rates. Rates are based on your credit score.


Auto Loan Rates

Model Year Annual Percentage Rate
2014 - 2018 *as low as 3.49% for up to 48 months, as low as 3.74% for up to 63 months, as low as 3.99% for up to 75 months, and as low as 4.74% for up to 84 months.
2008 - 2013 
*as low as 3.99% for up to 48 months, as low as 4.24% for up to 63 months, and as low as 4.49 % for up to 75 months.

100% Financing is available on all auto loans. Terms up to 84 months. Warranties, Gap Insurance and Credit Insurance available.   

*BONUS OFFER: Rates above reflect a 0.25% discount on your loan rate (excluding real estate and lines of credit) for members with a checking account and direct deposit of $500 or more each month.


Apply for an Auto Loan Online!



RV Loan Rates

Model Year Annual Percentage Rate
2016 or Newer As low as 5.49% for up to 84 months, 5.74% for up to 96 months, and 6.24% for up to 120 months
2011 - 2015
As low as 5.99% for up to 84 months, 6.24% for up to 96 months and 6.74% for 120 months


Home Equity Loans & Lines of Credit

Term Loan to Value % (LTV) Fixed Rate Second Mortgage Loan to Value % (LTV) Variable Rate Home Equity Lines of Credit
5 Years 85% As low as 5.00% - -
7 Years
85% As low as 5.50% - -
10 Years 85% As low as 6.00% - -
15 Years 85% As low as 6.25% 85% As low as Prime -1.5% (At Floor of 5.00%)*

Second Mortgages are a one time payout of all loan proceeds.  No closing costs or pre-payment penalties for $25,000 or more.

Lines of Credit allow you to borrow as you need up to the credit line. No Closing costs or pre-payment penalties for line amounts of $25,000 or more. $35 annual fee. *All lines of credit allow up to a 15 year re-payment term and maturity, on disbursements completed during the 10 year draw period.


Contact a Northstar representative today to apply!



Personal Loans and VISA Credit Card Rates
(Apply for any of these Loans/Credit Cards here!!)



Annual Percentage Rate
Personal / Signature Loans Fixed Rate As low as 7.74%
Lifestyle Line of Credit
Variable Rate - Tied to Prime adjusts Quarterly As low as 8.00%
Overdraft Protection Loan
Monthly Payments as low as $20 15.00% Fixed Rate
VISA
Mileage, Reward and Student Cards Click here for info  
Share Secured Loans Loans to be secured by CD online - Loan term must match term of CD CD Rate + 2%

Wall Street Journal Prime Rate is currently 5.00%

*Fixed Rate Personal/Signature loan reflects a .25% discount for members with a checking account and direct deposit of $500 or more each month.



Apply for a VISA Credit Card Online