Credit union · NCUA insured
North Star Community Credit Union CD Rates
Top CarrotNorth Star Community Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How North Star Community Credit Union’s CD rates compare
Compared with banks and credit unions in Iowa, where North Star Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Star Community Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $425
Share Certificate
Top rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
2nd-highest rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
North Star Community Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.25%
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 Community 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 4.25%APY · 9 terms
Dividends are paid quarterly and at maturity. Minimum deposit of $500 required except for Star Saver. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.10% | $77 |
| 6 months | 4.00% | $198 |
| 9 months | 4.05% | $302 |
| 12 months | 4.25% | $425 |
| 12 months1 Year Star Saver variant | 4.25% | $425 |
| 18 months | 4.25% | $644 |
| 24 months | 4.25% | $868 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- nsccu.org/share-certificates · captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.25%APY · 5 terms
Available as Traditional IRA, Roth IRA, or Educational Savings Account. $500 minimum deposit required to open. Subject to the same terms and conditions as standard share certificates. Dividends are calculated and paid quarterly and at maturity, and compounded by being added to the principal balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
| 36 months | 3.65% | $1,135 |
| 48 months | 3.70% | $1,564 |
| 60 months | 3.75% | $2,021 |
Sources (1)
- nsccu.org/ira-accounts · captured Oct 5, 2026
Who can join North Star Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to any person who lives or works in eligible Iowa counties (Audubon, Buena Vista, Calhoun, Carroll, Cherokee, Clay, Crawford, Dickenson, Emmet, Harrison, Ida, Lyon, Monona, O'Brien, Osceola, Palo Alto, Plymouth, Pocahontas, Sac, Shelby, Sioux, and Woodbury).
Family and household
- Immediate family members and household members of individuals residing in any of the 22 eligible counties are eligible for membership regardless of residence.
- Immediate family members of credit union members (by blood, marriage, or adoption) are eligible regardless of county of residence.
Cost to join
- A $5 minimum deposit into a Share Savings Account is required to establish membership and represent a share in the credit union.
Membership information collected October 4, 2026.