Credit union · NCUA insured
TruStar Federal Credit Union Savings Rates
TruStar Federal Credit Union’s best savings rate is 1.70% APY on $10,000, with its Money Market Checking. Rates checked October 16, 2026.
How TruStar Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Bemidji, MN, where TruStar Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TruStar Federal Credit Union
1.70%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $170
Money Market Checking
Top rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
3rd-highest rate
First National Bank Bemidji
1.38%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $138
TruStar Federal Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0001.60%
- $10,000 balance$10,0001.70%
- $100,000 balance$100,0002.75%
- QualifiedQualified1.70%
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 TruStar Federal 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 Checking
1.70%APY
Average daily balance method is used to calculate dividends. Fees could reduce earnings. Rates and APYs are prospective rates the credit union anticipates paying for the applicable dividend period.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 – $24,999 | 1.70% | $170 |
| $25,000 – $49,999 | 1.90% | — |
| $50,000 – $99,999 | 2.25% | — |
| $100,000 – $199,999 | 2.75% | — |
| $200,000 and up | 3.25% | — |
Sources (1)
- trustarfcu.com/deposit-rates · captured Oct 16, 2026
Star Savings
1.60%APY
No minimum opening balance. $20 minimum monthly automatic deposit required. Limit of one withdrawal or transfer out per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$20 minimum monthly automatic deposit required; limit of one withdrawal or transfer out per month.Any balance | 1.60% | $160 | $20 minimum monthly automatic deposit required; limit of one withdrawal or transfer out per month. |
Sources (2)
All captured Oct 16, 2026
Booster Share
1.50%APY
LaunchPad Booster Share savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (1)
- trustarfcu.com/deposit-rates · captured Oct 5, 2026
Regular Shares
1.20%APY
Minimum balance requirement for regular savings is $25.00. Minimum balance to earn stated APY for share balance is $1,000. Average daily balance method used. Membership available to anyone who lives, works, worships, or attends school in Koochiching, Beltrami, Wadena, Hubbard, Becker, or the northwest corner of St. Louis counties.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Minimum balance to earn stated APY is $1,000. | 1.05% | — | Minimum balance to earn stated APY is $1,000. |
| $2,500 – $9,999 | 1.10% | — | |
| $10,000 – $24,999 | 1.20% | $120 | |
| $25,000 – $49,999 | 1.30% | — | |
| $50,000 – $99,999 | 1.40% | — | |
| $100,000 and up | 1.50% | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Simply Great IRA
3.51%APY
Traditional and Roth IRAs pay quarterly dividends. Withdrawals at age 59½ without IRS penalties.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.51% | $351 |
Sources (2)
All captured Oct 16, 2026
Club & Escrow
1.20%APY
Average daily balance method used.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 1.05% | — |
| $2,500 – $9,999 | 1.10% | — |
| $10,000 – $24,999 | 1.20% | $120 |
| $25,000 – $49,999 | 1.30% | — |
| $50,000 – $99,999 | 1.40% | — |
| $100,000 and up | 1.50% | — |
Sources (1)
- trustarfcu.com/deposit-rates · captured Oct 16, 2026
Happy Tracker Share
1.50%APY
Youth savings account where child becomes an official member-owner of TruStar.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.50% | $150 |
Sources (2)
All captured Sep 18, 2026
Who can join TruStar Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.