What are the current interest rates at North Star Community Credit Union?

Current rates for North Star Community Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 4.50%, 24-Month CD: 3.00%, 60-Month CD: 3.00%

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North Star Community Credit Union

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North Star Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Star Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

North Star Community Credit Union's top rate as of October 9, 2026 is 4.50% APY on its Youth 18 Month CD, according to rates verified by MonitorBankRates. Other North Star Community Credit Union CD rates include 13 Month Special CD at 4.00%, 7 Month Special CD at 4.00%, and Smart Start - 15 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of North Star Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.82%. Rates last updated and verified on 10/09/2026.

North Star Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Star Community Credit Union? Share your experience about North Star Community Credit Union by leaving a review below, or read customer reviews before you decide to use North Star Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.82%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

North Star Community Credit Union
Maddock

109 Central Ave N
Maddock, ND 58348

https://www.northstarccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

North Star Community Credit Union CD Rates

Product	Rate	APY	Term
Youth 18 Month Certificate	4.45%	4.50%	18 Month
Min Deposit $100 Details Must be under 18 to open. 18M allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
13 Month Special Certificate	3.96%	4.00%	13 Month
Min Deposit $500 Details MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
7 Month Special Certificate	3.96%	4.00%	7 Month
Min Deposit $500 Details MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
Smart Start - 15 Month Certificate	3.72%	3.75%	15 Month
Min Deposit $100 Details 15M Allows add-ons & withdrawals Min +/- $100; MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 12 Month	3.37%	3.40%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 6 Month	3.37%	3.40%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 24 Month	2.98%	3.00%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 48 Month	2.98%	3.00%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 60 Month	2.98%	3.00%	60 Month
Min Deposit $500 Details 60M allows 1-time rate bump after 18 months Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
Step Up - 37 Month Certificate	2.98%	3.00%	37 Month
Min Deposit $500 Details 37M Allows add-ons ($1000+) & 1-time rate bump after 18 months Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
STANDARD CERTIFICATES - 3 Month	2.73%	2.75%	3 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%

North Star Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL) - 12 MONTH	3.47%	-	3.50%	12 MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL) - 24 MONTH	3.08%	-	3.10%	24 MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL) - 48 MONTH	3.08%	-	3.10%	48 MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%
IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL) - 60 MONTH	3.08%	-	3.10%	60 MONTH
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.82%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

North Star Community Credit Union’s Texas Ratio rose from 7.48% in Q3 2023 to 13.82% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$465M	13.82%	5.0	A
March 31, 2026	$471M	10.93%	5.0	A
December 31, 2025	$468M	11.16%	5.0	A
September 30, 2025	$459M	11.00%	5.0	A
June 30, 2025	$448M	14.25%	5.0	A-
March 31, 2025	$477M	12.27%	5.0	A
December 31, 2024	$459M	11.45%	5.0	A
September 30, 2024	$464M	12.82%	5.0	A
June 30, 2024	$462M	13.53%	5.0	A
March 31, 2024	$476M	10.37%	5.0	A
December 31, 2023	$488M	7.91%	5.0	A
September 30, 2023	$468M	7.48%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for North Star Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather North Star Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with North Star Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Star Community Credit Union

Website https://www.northstarccu.com

Address 109 Central Ave N, Maddock, ND 58348

Phone 701-438-2222

Fax 701-438-2223

President Kevin Gigstad

CEO Bob Herrington

Full-Time Employees 105

Part-Time Employees 9

Branch Locations 13

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.82%

Return on Assets (ROA)

0.5909%

Return on Equity (ROE)

4.1303%

Non-Performing Loans Ratio (NPL)

2.87%

Total Assets

464,823,878

Total Amount of Shares and Deposits

396,808,502

Total Shares and Deposits < 1 Year

353,543,277

Total Shares and Deposits 1 3 Years

28,093,626

Total Shares and Deposits > 3 Years

15,171,599

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

28,980,978

Total Uninsured Shares and Deposits > $250K (F+J)

28,980,978

Total Insured Shares and Deposits > $250K (item 17 less item K)

367,827,524

Total Interest Expense (Sum of items 6 8)

3,834,086

Share Certificates

6,010

Number of Accounts for Share Drafts

13,195

IRA KEOGH Accounts

1,040

Number of Accounts for Regular Shares

23,043

All other shares

3,689

Non Member Deposits

Money Market Shares

1,546

Net Income (unless the amount is already included in Undivided Earnings)

2,746,788

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

18,666,618

Total Liabilities

401,719,499

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

North Star Community Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About North Star Community Credit Union

How many branches does North Star Community Credit Union operate?

North Star Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join North Star Community Credit Union?

Yes, to access services at North Star Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, North Star Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Star Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does North Star Community Credit Union offer online and mobile banking?

Most modern institutions like North Star Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.northstarccu.com.