Credit union · NCUA insured
North Star Community Credit Union CD Rates
North Star Community Credit Union’s best CD rate is 4.00% APY on a 7-month share certificate (CD). Terms run from 7 months to 37 months. Rates checked October 22, 2026.
How North Star Community Credit Union’s CD rates compare
Compared with banks and credit unions in North Dakota, 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
4.00%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $231
Special Certificates
Top rate
Dakota Community Bank & Trust
5.10%APY
- Term
- 89 months
- Minimum
- $2,500
- Earns on $10,000
- $4,462
2nd-highest rate
Hometown Credit Union
4.58%APY
- Term
- 72 months
- Minimum
- $1,000
- Earns on $10,000
- $3,083
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Certificates
4.00%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months | 4.00% | $231 |
| 13 months | 4.00% | $434 |
Smart Start Certificate
3.75%APY · 1 term
Allows add-ons & withdrawals (min +/- $100, withdrawal fee applies). Maximum deposit of $10,000.00, limit one per member. Dividends paid semi-annually (or upon maturity).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsLimit one per member. Minimum $100 per add-on/withdrawal (withdrawal fee applies) | 3.75% | $471 |
Sources (1)
- northstarccu.com/save/certificates · captured Sep 19, 2026
Step-Up Certificate
3.00%APY · 1 term
Allows add-ons ($1,000+ per add-on) & 1-time rate bump after 18 months applied to remainder of certificate's initial term. Dividends paid semi-annually (or upon maturity).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 37 monthsAllows add-ons ($1,000+) & 1-time rate bump after 18 months | 3.00% | $954 |
Sources (1)
- northstarccu.com/save/certificates · captured Sep 19, 2026
Special-purpose accounts
Youth Certificate
4.50%APY · 1 term
Must be under 18 to open. Allows add-ons & withdrawals (Min +/- $100, withdrawal fee applies) & a 1-time rate bump (must provide report card). Maximum deposit of $10,000.00, limit one per member. Dividends paid semi-annually (or upon maturity).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMust be under 18 to open. Limit one per member. Allows add-ons & withdrawals (min +/- $100) & 1-time rate bump with report card | 4.50% | $683 |
Sources (1)
- northstarccu.com/save/certificates · captured Sep 19, 2026
IRA Certificates (Traditional, Roth & Coverdell)
Up to 3.50%APY · 4 terms
Available as Traditional, Roth & Coverdell IRA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.10% | $630 |
| 48 months | 3.10% | $1,299 |
| 60 months | 3.10% | $1,649 |
Sources (1)
- northstarccu.com/save/ira-and-hsa · captured Sep 19, 2026
Standard Share Certificates
Up to 3.40%APY · 6 terms
Dividends paid semi-annually (or upon maturity). Relationship Rate Bonus available up to 0.35% APY based on length of membership, deposit balance/new money mix, and active checking account. Burial certificate, Traditional/Roth/Coverdell IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.40% | $169 |
| 12 months | 3.40% | $340 |
| 24 months | 3.00% | $609 |
| 48 months | 3.00% | $1,255 |
| 60 monthsAllows 1-time rate bump after 18 months if rates increase | 3.00% | $1,593 |
Sources (1)
- northstarccu.com/save/certificates · captured Sep 19, 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
- 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.
Membership information collected October 4, 2026.