Bank · FDIC insured
North Star Bank CD Rates
North Star Bank’s best CD rate is 2.37% APY on a 3-year CD. Terms run from 1 year to 5 years. Rates checked October 16, 2026.
How North Star Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where North Star Bank has the most branches. $10,000, best rate first.
This bank’s best
North Star Bank
2.37%APY
- Term
- 36–59 months
- Minimum
- $500
- Earns on $10,000
- —
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
North Star Bank CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 9–15 months9–15 mo2.02%
- 16–30 months16–30 mo2.22%
- 31–60 months31–60 mo2.37%
- QualifiedQualified2.37%
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 North Star Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 2.37%APY · 6 terms
Minimum balance to open account $500.00. A penalty may be imposed for early withdrawal. Rates reviewed weekly and subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 182-364 Days. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 0.75% | $0 |
| UnknownTerm: 30-181 Days. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 0.35% | $0 |
| 12–17 monthsTerm: 12-17 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.02% | $202 |
| 18–23 monthsTerm: 18-23 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.12% | $320 |
| 24–35 monthsTerm: 24-35 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.22% | $449 |
| 36–59 monthsTerm: 36-59 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.37% | $728 |
| 60–Unknown monthsTerm: 60+ Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.37% | $1,243 |
Sources (3)
- northstarbank.com/personal-savings
- northstarbank.com/certificate-of-deposit
- northstarbank.com/current-rates
All captured Oct 5, 2026
Special-purpose accounts
CD Specials
4.00%APY · 3 terms
Minimum Daily Balance to open account and obtain APY is $2,500.00. A penalty may be imposed for early withdrawal. Rates reviewed weekly and subject to change without notice. All CD Terms eligible for IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months07 Months Special. Minimum Daily Balance to open account and obtain APY is $2,500.00. Early withdrawal penalty may apply | 4.00% | $231 |
| 11 months11 Months Special. Minimum Daily Balance to open account and obtain APY is $2,500.00. Early withdrawal penalty may apply | 4.00% | $366 |
| 20 months20 Months Special. Minimum Daily Balance to open account and obtain APY is $2,500.00. Early withdrawal penalty may apply | 4.00% | $676 |
Sources (1)
- northstarbank.com/current-rates · captured Oct 5, 2026
IRA Time Accounts
Up to 4.00%APY · 9 terms
All North Star Bank Savings Certificates are available for IRA investment with a $500.00 minimum to open for most accounts. Offered at the same rates as Savings Certificates. All CD terms eligible for IRA accounts. Early withdrawal penalty may apply.
| Term | APY · Any balance | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownTerm: 182-364 Days. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $0 |
| UnknownTerm: 30-181 Days. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 0.35% | — | 0.35% | $0 |
| 7 months07 Months Special. All CD Terms eligible for IRA accounts. Minimum Daily Balance to open account and obtain APY is $2,500.00 | — | 4.00% | 4.00% | $231 |
| 11 months11 Months Special. All CD Terms eligible for IRA accounts. Minimum Daily Balance to open account and obtain APY is $2,500.00 | — | 4.00% | 4.00% | $366 |
| 12–17 monthsTerm: 12-17 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.02% | — | 2.02% | $202 |
| 18–23 monthsTerm: 18-23 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.12% | — | 2.12% | $320 |
| 20 months20 Months Special. All CD Terms eligible for IRA accounts. Minimum Daily Balance to open account and obtain APY is $2,500.00 | — | 4.00% | 4.00% | $676 |
| 24–35 monthsTerm: 24-35 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.22% | — | 2.22% | $449 |
| 36–59 monthsTerm: 36-59 Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.37% | — | 2.37% | $728 |
| 60–Unknown monthsTerm: 60+ Months. Minimum balance to open account $500.00. Early withdrawal penalty may apply | 2.37% | — | 2.37% | $1,243 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.