North Star Community Credit Union Rates & Carrot Score

Rates

No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).

CDs—4.50%CD rates →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About North Star Community Credit Union

Founded in 1940 as a cooperative by a group of men from Benson County, North Star Community Credit Union is member-owned and operates 13 locations throughout North Dakota.

Following multiple credit union mergers over several decades, North Star has also served as a specialized agricultural lending partner to local farm producers for more than 80 years.

Headquarters: 109 Central Ave N, Maddock, ND 58348
NCUA charter: 62563

Visit institution website ↗

Membership

Who can join

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

You live within 50 miles of Bottineau.
You live within 50 miles of Cavalier.
You live within 75 miles of Maddock.
You live in the county of McLean.
You live in the county of Renville.
You live within 50 miles of Rugby.

3 more ways to join

Where you live or work

You live within 75 miles of Tolna.
You live in the county of Ward.

Family and household

You have an immediate family member who is a North Star member who lives within 50 miles of Maddock, Bottineau, Rugby, or Cavalier.

Cost to join

A $5 minimum deposit into Primary Savings is required when joining the credit union.

Branches

13 branches in North Dakota

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North Dakota

13 branches

Minot area · 3

Minot AFB210 Summit Dr, Minot, ND 58705Directions
North Minot2150 15th St NW, Minot, ND 58703Directions
S Broadway Minot1819 S Broadway, Minot, ND 58701Directions

Maddock area · 1

MaddockMain office109 Central Ave N, Maddock, ND 58348Directions

Bottineau area · 1

Bottineau612 Main St, Bottineau, ND 58318Directions

Butte area · 1

Butte310 Main St E, Butte, ND 58723Directions

Cavalier area · 1

Cavalier202 Division Ave S, Cavalier, ND 58220Directions

Devils Lake area · 1

Devils Lake1324 Highway 2 E, Devils Lake, ND 58301Directions

Grafton area · 1

Grafton1225 Hill Ave, Grafton, ND 58237Directions

Rugby area · 1

Rugby241 Highway 2 SE, Rugby, ND 58368Directions

Tolna area · 1

Tolna200 Main ST N, Tolna, ND 58380Directions

Velva area · 1

Velva111 Main St N, Velva, ND 58790Directions

Willow City area · 1

Willow City386 Main St, Willow City, ND 58384Directions

Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.

Financial details

From its June 30, 2026 filing with the NCUA

Well capitalizedas reported to the NCUA

Measure	This credit union	Peers’ middle	Strongest quarter
CapitalNet worth ratio	14.31%	11.43%	13.58% or more
Troubled loans60+ days late	2.87%	0.68%	0.39% or less
ProfitabilityReturn on assets	1.18%	0.75%	1.18% or more
LendingLoans per $100 deposited	$84	$76	—

CapitalNet worth ratio14.31%Peers’ middle 11.43% · Top 25% 13.58%+
Troubled loans60+ days late2.87%Peers’ middle 0.68% · Top 25% ≤0.39%
ProfitabilityReturn on assets1.18%Peers’ middle 0.75% · Top 25% 1.18%+
LendingLoans per $100 deposited$84Peers’ middle $76

Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.

Regulators’ own ratings of North Star Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.