Credit union · NCUA insured
North Star Community Credit Union Savings Rates
Top CarrotNorth Star Community Credit Union’s best savings rate is 1.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How North Star Community Credit Union’s savings 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
1.25%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $125
Money Market Account
Top rate
Employees Credit Union
3.82%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $381
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
North Star Community Credit Union savings score
87
Savings score
Higher than 77% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0002.34%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.25%APY
NO monthly fee when you maintain a minimum daily balance of $1,500. Five free cash withdrawals per month ($5 fee for additional withdrawals; $500 minimum per withdrawal, $5 fee for less). Up to six electronic withdrawals per month (of which 3 may be made by check). Minimum deposits of $100. Dividends are calculated daily and paid monthly. Rates may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,500 | 1.00% | — |
| $1,501 – $5,000 | 1.02% | — |
| $5,001 – $10,000 | 1.25% | $125 |
| $10,001 – $25,000 | 1.27% | — |
| $25,001 – $50,000 | 2.30% | — |
| $50,001 – $75,000 | 2.32% | — |
| $75,001 – $100,000 | 2.34% | — |
| $100,001 and up | 2.36% | — |
Sources (1)
- nsccu.org/money-market-account · captured Oct 16, 2026
Share Account (Savings)
0.20%APY
Required to establish membership and provides access to all member benefits and services.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are calculated daily and paid monthly. A minimum balance of $25.00 is required to earn dividends.$25 and up | 0.20% | $20 | Dividends are calculated daily and paid monthly. A minimum balance of $25.00 is required to earn dividends. |
Sources (1)
- nsccu.org/savings-accounts · captured Oct 5, 2026
Special-purpose accounts
Christmas Club
0.20%APY
Withdrawals permitted only from October 1 – December 31.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated on the daily balance and paid monthly. No monthly maintenance fees.Any balance | 0.20% | $20 | Dividends are calculated on the daily balance and paid monthly. No monthly maintenance fees. |
Sources (1)
- nsccu.org/christmas-club · captured Oct 5, 2026
Health Savings Share Draft Account
0.20%APY
Must be enrolled in a qualified high-deductible health plan (HDHP), not enrolled in Medicare, not covered under any other non-HDHP health plan, and not claimed as a dependent on another person's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated on daily balance and paid monthly.Any balance | 0.20% | $20 | Dividends calculated on daily balance and paid monthly. |
Sources (1)
- nsccu.org/health-savings-accounts · captured Oct 5, 2026
IRA Share Account
0.20%APY
Offers Traditional IRA, Roth IRA, and Educational Savings Account options. Start with an IRA Share Account to make incremental contributions until reaching the $500 minimum required for an IRA certificate.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- nsccu.org/ira-accounts · captured Oct 5, 2026
Kirby Kangaroo® Club
0.20%APY
Savings for ages 12 and under.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends are calculated daily and paid monthly. A minimum balance of $25.00 is required to earn dividends.$25 and up | 0.20% | $20 | Dividends are calculated daily and paid monthly. A minimum balance of $25.00 is required to earn dividends. |
Sources (1)
- nsccu.org/savings-accounts · captured Oct 5, 2026
Star Savers Club
0.20%APY
Youth savings account for members ages 12 and under. Includes free piggy bank with $25 opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarn dividends with a minimum daily balance of $25. Dividends are compounded and paid monthly.$25 and up | 0.20% | $20 | Earn dividends with a minimum daily balance of $25. Dividends are compounded and paid monthly. |
Sources (1)
- nsccu.org/youth-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.