Credit union · NCUA insured
Norstar Federal Credit Union CD Rates
Norstar Federal Credit Union’s best CD rate is 3.78% APY on a 1-year share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Norstar Federal Credit Union’s CD rates compare
Compared with banks and credit unions in South Dakota, where Norstar Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Norstar Federal Credit Union
3.78%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $378
Share Certificate
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Dakotaland Federal Credit Union
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
Norstar Federal Credit Union CD score
79
CD score
Higher than 49% of U.S. banks and credit unions
- 3–8 months3–8 mo3.68%
- 9–15 months9–15 mo3.78%
- 16–30 months16–30 mo3.53%
- 31–60 months31–60 mo3.17%
- QualifiedQualified3.78%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Norstar Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.78%APY · 7 terms
CD Rates minimum of $1,000.00. Penalty required for early withdrawal. Members should call the credit union to verify rates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.55% | $88 |
| 6 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.68% | $182 |
| 12 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.78% | $378 |
| 18 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.53% | $534 |
| 24 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.33% | $677 |
| 36 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.17% | $981 |
| 48 monthsPenalty required for early withdrawal. Minimum of $1,000.00 | 3.02% | $1,264 |
Sources (1)
- norstarfcu.com/rates/interest-rates · captured Oct 4, 2026
Who can join Norstar Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Marshall County, Day County, Brown County east of County Road 16 in South Dakota, or Sargent County, North Dakota is eligible for membership.
Family and household
- Immediate family members of current members are eligible for membership.
Cost to join
- Membership requires maintaining at least a $5.00 balance (one share) in a Share Savings account with an initial $5.00 minimum deposit.
Membership information collected October 4, 2026.