Savings Rates

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*(APY) stands for Annual Percentage Yield for a DreamSaver Certificate of Deposit with a 12 month term (interest rate of 4.89%) as of 11/26/2018. Offer is for account holders ages 17 and under. The minimum opening balance is $50. Maximum deposit of $1,000 for special offer.  For amounts exceeding $1,000, standard 1 year DreamSaver rates apply.  Monthly, automatic, recurring deposit of $20 required. Offer valid for new money only, not currently on deposit with NorthStar Credit Union. Penalty for early withdrawal. At maturity this Certificate will automatically renew as a 12 month standard DreamSaver CD at the current rate on that date, unless notified in writing. This is a limited time offer subject to change at any time without notice. Limit one account per social security number.


Current rates are subject to change without notice. Rates below are effective November 1, 2018.

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
1.74% 1.75%
2 Years
$1,000.00
1.98% 2.00%
3 Years
$1,000.00 2.08% 2.10%
4 Years
$1,000.00 2.08% 2.10%
5 Years $1,000.00 2.72% 2.75%

DreamSaver 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%

Not-for-Profit Money Market Accounts
(dividends paid monthly on daily balances)

Balance Dividend Rate Annual Percentage Yield
$0.01 - $24,999.99 0.50% 0.50%
$24,999.99 - $49,999.99
1.25% 1.26%
$50,000.00 & higher
1.75% 1.76%

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%