Credit union · NCUA insured
North Star Credit Union Savings Rates
Top CarrotNorth Star Credit Union’s best savings rate is 0.10% APY on $10,000, with its Family/Sub Share Account. Rates checked October 16, 2026.
How North Star Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $10
Main Share Account
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
North Star Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 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.
Family/Sub Share Account
0.10%APY
Secondary savings account for all ages. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit $10; minimum balance $0. Dividends earned on balance over $100.$100 and up | 0.10% | $10 | Minimum opening deposit $10; minimum balance $0. Dividends earned on balance over $100. |
Sources (3)
- northstarcreditunion.org/personal-savings-account
- northstarcreditunion.org/rates-and-fees
- northstarcreditunion.org/wp-co…n-Savings-Disclosure.pdf
All captured Sep 18, 2026
Main Share Account
0.10%APY
Primary savings account; requires maintaining membership share. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit and minimum balance is $10. Dividends earned on balance over $100 (minimum daily balance of $100 to earn stated APY).$100 and up | 0.10% | $10 | Minimum opening deposit and minimum balance is $10. Dividends earned on balance over $100 (minimum daily balance of $100 to earn stated APY). |
Sources (3)
- northstarcreditunion.org/personal-savings-account
- northstarcreditunion.org/rates-and-fees
- northstarcreditunion.org/wp-co…n-Savings-Disclosure.pdf
All captured Sep 18, 2026
Special-purpose accounts
Future Freedom Account
0.50%APY
For youth ages 13 to 18. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor ages 13 to 18. Minimum opening deposit $10 and minimum balance $10; dividends earned on balance over $10.$10 and up | 0.50% | $50 | For ages 13 to 18. Minimum opening deposit $10 and minimum balance $10; dividends earned on balance over $10. |
Kids Club Account
0.50%APY
For ages 0 to 12. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upFor ages 0 to 12. Minimum opening deposit $10 and minimum balance $10; dividends earned on balance over $10.$10 and up | 0.50% | $50 | For ages 0 to 12. Minimum opening deposit $10 and minimum balance $10; dividends earned on balance over $10. |
IRA Savings Account
0.40%APY
Individual Retirement Account (IRA/Roth IRA) savings account. Rate effective June 16, 2025.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and up0.40% Variable APY. $10 initial share deposit. Minimum balance to earn stated APY on disclosure schedule is $100.00.$10 and up | 0.40% | $40 | 0.40% Variable APY. $10 initial share deposit. Minimum balance to earn stated APY on disclosure schedule is $100.00. |
Sources (2)
All captured Sep 18, 2026
Christmas Club Account
0.20%APY
Secondary savings account to save for holiday season. Available balance distributed in November via check or transfer to desired NSCU account. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum opening deposit $10; minimum balance $0. Dividends earned on balance over $100.$100 and up | 0.20% | $20 | Minimum opening deposit $10; minimum balance $0. Dividends earned on balance over $100. |
Sources (3)
- northstarcreditunion.org/personal-savings-account
- northstarcreditunion.org/rates-and-fees
- northstarcreditunion.org/wp-co…n-Savings-Disclosure.pdf
All 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.