Certificate of Deposit - NorthStar Credit Union

A Smart Way to Earn More

A certificate of deposit (CD) is a guaranteed investment which earns a higher rate because it is held in an account for a specific period of time. We have several CD options available to help you reach your unique goals:

Certificates of Deposit

	Dream Saver CD	Standard CD
Best for you if…	You have big dreams, and you're looking for an easy, automated savings plan to help make your dreams a reality.	You have a lump sum of money with no immediate need, that you'd like to set aside to preserve and grow for the future.
Minimum Opening Deposit	$50.00	$1,000.00 to $25,000.00 depending on product
Maximum Opening Deposit	-	-
Flexible Terms	Terms ranging from 1 to 5 years available.	Terms ranging from 6 months to 5 years available.
Interest Bearing	View our rates! *APY = Annual Percentage Yield	View our rates! *APY = Annual Percentage Yield
Additional Deposits Required	Minimum of $20 per month via ACH, Direct Deposit, or Automatic Transfer	-
Early Withdrawal Penalty	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.	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.
Federally Insured	Federally insured by the NCUA up to $250,000	Federally insured by the NCUA up to $250,000
Additional Details	Fee & Free Schedule	Fee & Free Schedule

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*(APY) stands for Annual Percentage Yield for a Certificate of Deposit with a 15 month term with an interest rate of 1.00%, a 27 month term with an interest rate of 1.60%, or a 33 month term with an interest rate of 1.98% as of 6/01/2017. The minimum opening balance for a 15 month or 27 month term is $1,000. The minimum opening balance for a 33 month term is $25,000. Penalty for early withdrawal. At maturity these Certificates will automatically renew at the rate and term current on that date, unless otherwise notified in writing. This is a limited time offer. Rate and offer is subject to change at anytime without notice.