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Savings Rates

Current rates are subject to change without notice. Rates below are effective December 1, 2019.

New Money Certificate Specials

Term Min. Opening Deposit Max. Opening Deposit  Dividend Rate Annual Percentage Yield
6 Months1,3
$1,000.00  N/A 1.24% 1.25%
12 Month Youth1,2 
$100.00
 $1,000.00 4.89% 5.00%
13 Month1,3
$1,000.00
 N/A 1.98% 2.00%


1
Federally insured by the NCUA. APY stands for Annual Percentage Yield. All offers are for new money only, not currently on deposit with NorthStar Credit Union within the last 90 days. Early withdrawal penalty applies. Limited time offers subject to change at any time without notice. 2Offer is available to minors age 17 and younger. Minimum opening balance is $100, maximum deposit is $1,000. Limit one account per social security number. Certificate will renew automatically as a standard 12 month certificate at the current rate on the date of renewal. 3Minimum opening balance is $1,000. 13 month certificate will renew as a standard 12 month certificate at the standard rate available on the date of renewal. 6 month certificate will renew as a standard 6 month certificate at the standard rate available on the date of renewal.

Share Certificates 4 / IRA Share Certificates4

Term Min. Opening Deposit Dividend Rate Annual Percentage Yield
6 Months5
$1,000.00 0.99% 1.00%
1 Year
$1,000.00
1.54% 1.55%
2 Years
$1,000.00
1.74% 1.75%
3 Years
$1,000.00 1.74% 1.75%
4 Years
$1,000.00 1.93% 1.95%
5 Years $1,000.00 2.03% 2.05%

DreamSaver Certificates4

Term Min. Opening Deposit6 Dividend Rate Annual Percentage Yield
1 Year
$50.00 1.64%  1.55% 
2 Years
$50.00 1.74%  1.75%
3 Years
$50.00 1.74%  1.75%
4 Years
$50.00 1.93% 1.95%
5 Years
$50.00 2.03% 2.05%
  

4The 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. 

 5Not available under the IRA Share Certificate Program. 6Requires 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 - $249,999.99
0.75% 0.75%
$250.000.00 & higher
1.25% 1.26%

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
1.15% 1.16%
$50,000.00 & higher
1.45% 1.46%

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% 0.65%
$100,000.00-$249,999.99 0.75% 0.75%
$250,000 & higher 1.25% 1.26% 

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 signature-based 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 a blended 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%