Credit union · NCUA insured
North Star Credit Union CD Rates
Top CarrotNorth Star Credit Union’s best CD rate is 1.00% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How North Star Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Star Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
North Star Credit Union
1.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $510
Certificate
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
North Star Credit Union CD score
61
CD score
Higher than 3% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.50%
- 16–30 months16–30 mo0.65%
- 31–60 months31–60 mo1.00%
- QualifiedQualified1.00%
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 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.
Certificate
Up to 1.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum deposit of $500 | 0.30% | $15 |
| 12 monthsMinimum deposit of $500 | 0.50% | $50 |
| 18 monthsMinimum deposit of $500 | 0.60% | $90 |
| 24 monthsMinimum deposit of $500 | 0.65% | $130 |
| 36 monthsMinimum deposit of $500 | 0.70% | $211 |
| 48 monthsMinimum deposit of $500 | 0.90% | $365 |
| 60 monthsMinimum deposit of $500 | 1.00% | $510 |
Sources (1)
- northstarcreditunion.org/terms-for-ira-cds · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA) CDs
Up to 1.20%APY · 7 terms
Rates shown are for balances less than $5,000; rates differ for higher amounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor amounts less than $5,000. Minimum deposit of $500 | 0.50% | — |
| 12 monthsFor amounts less than $5,000. Minimum deposit of $500 | 0.70% | — |
| 18 monthsFor amounts less than $5,000. Minimum deposit of $500 | 0.80% | — |
| 24 monthsFor amounts less than $5,000. Minimum deposit of $500 | 0.85% | — |
| 36 monthsFor amounts less than $5,000. Minimum deposit of $500 | 0.90% | — |
| 48 monthsFor amounts less than $5,000. Minimum deposit of $500 | 1.10% | — |
| 60 monthsFor amounts less than $5,000. Minimum deposit of $500 | 1.20% | — |
Sources (1)
- northstarcreditunion.org/terms-for-ira-cds · captured Sep 18, 2026
Who can join North Star Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who reside, work, volunteer, attend class, or worship in the counties of St Louis, Itasca, Carlton, and Red Lake are eligible for membership.
Employers and groups
- Employees of BNSF Railroad are eligible for membership.
- Employees of North Star Credit Union are eligible for membership.
- Individuals who receive their electric power from Lake Country Power are eligible for membership.
Military, government and schools
- Individuals who live, work, volunteer, worship, or attend school in St. Louis County School District 2142 are eligible for membership.
Family and household
- Individuals who have a relative with an existing account with North Star Credit Union are eligible for membership.
Cost to join
- Opening a membership account represents a $10 share in the credit union.
Membership information collected October 4, 2026.