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 North Star Community Credit Union Cherokee, IA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
North Star Community Credit Union Cherokee, IA's 1 Year CD rates are at 4.25%, 1 Year Star Saver CD rates are at 4.25%, 18 Month CD rates are at 4.25%, 2 Year CD rates are at 4.25%, 9 Month CD rates are at 4.05%. North Star Community Credit Union Cherokee, IA's savings rates are at 0.20%. North Star Community Credit Union Cherokee, IA's money market rates are at 2.36%. North Star Community Credit Union Cherokee, IA's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of North Star Community Credit Union Cherokee, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates last updated and verified on 10/29/2026. North Star Community Credit Union Cherokee, IA 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 Cherokee, IA? Share your experience about North Star Community Credit Union Cherokee, IA by leaving a review below, or read customer reviews before you decide to use North Star Community Credit Union Cherokee, IA. North Star Community Credit Union Cherokee, IA
Cherokee Main Office 1207 North 2nd Street
https://www.nsccu.org Cherokee, IA 51012  Customer Reviews
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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 Cherokee, IA CD Rates
North Star Community Credit Union Cherokee, IA Savings Rates
North Star Community Credit Union Cherokee, IA Money Market Rates
North Star Community Credit Union Cherokee, IA Other Rates
Financial Health HistoryNorth Star Community Credit Union Cherokee, IA’s Texas Ratio fell from 12.04% in Q3 2023 to 3.80% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for North Star Community Credit Union Cherokee, IA 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 Cherokee, IA 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 Cherokee, IA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
North Star Community Credit Union Cherokee, IA
Website
https://www.nsccu.org
Address
1207 North 2nd Street,
Cherokee, IA 51012
Phone
712-225-5731
Fax
712-225-2249
President
Timothy Stoneking
CEO
Jeffrey Hayes
Full-Time Employees
32
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.80%
Return on Assets (ROA)
-0.0092%
Return on Equity (ROE)
-0.0936%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
149,357,134
Total Amount of Shares and Deposits
133,633,904
Total Shares and Deposits < 1 Year
115,794,069
Total Shares and Deposits 1 3 Years
14,055,404
Total Shares and Deposits > 3 Years
3,784,431
Total Insured Shares and Deposits > $250K (item 17 less item K)
133,633,904
Total Interest Expense (Sum of items 6 8)
1,670,130
Share Certificates
2,050
Number of Accounts for Share Drafts
4,217
IRA KEOGH Accounts
537
Number of Accounts for Regular Shares
14,688
All other shares
276
Non Member Deposits
10
Money Market Shares
140
Net Income (unless the amount is already included in Undivided Earnings)
-13,740
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)
3,102,224
Total Liabilities
134,682,776
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About North Star Community Credit Union Cherokee, IADoes North Star Community Credit Union Cherokee, IA offer CDs?Yes. North Star Community Credit Union Cherokee, IA current CD rates include its 1 Year CD at 4.25% APY, its 1 Year Star Saver CD at 4.25% APY and its 18 Month CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from North Star Community Credit Union Cherokee, IA NCUA insured?Yes. North Star Community Credit Union Cherokee, IA is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at North Star Community Credit Union Cherokee, IA?The highest North Star Community Credit Union Cherokee, IA CD rate is its 1 Year CD at 4.25% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does North Star Community Credit Union Cherokee, IA offer?North Star Community Credit Union Cherokee, IA CD rates are 4.05% APY for a 9 month CD, 4.25% APY for a 12 month CD, 4.25% APY for an 18 month CD, 4.25% APY for a 2 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with North Star Community Credit Union Cherokee, IA for its full lineup. What is the highest savings rate at North Star Community Credit Union Cherokee, IA?The highest North Star Community Credit Union Cherokee, IA savings rate is its Kirby Kangaroo Club (Savings for ages 12 and under) at 0.20% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at North Star Community Credit Union Cherokee, IA?The highest North Star Community Credit Union Cherokee, IA money market rate is its Money Market Account at 2.36% APY, verified by MonitorBankRates as of October 29, 2026. How many branches does North Star Community Credit Union Cherokee, IA operate?North Star Community Credit Union Cherokee, IA 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 Cherokee, IA?Yes, to access services at North Star Community Credit Union Cherokee, IA, 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 Cherokee, IA 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 Cherokee, IA provides members with tools to manage their accounts and build a solid financial history. Does North Star Community Credit Union Cherokee, IA offer online and mobile banking?Most modern institutions like North Star Community Credit Union Cherokee, IA 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.nsccu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do North Star Community Credit Union Cherokee, IA rates compare?North Star Community Credit Union Cherokee, IA's CD rates are 39% higher than the MonitorBankRates national average, and it has an A+ health rating. North Star Community Credit Union Cherokee, IA's top rates are its 1 Year CD at 4.25% APY, its Kirby Kangaroo Club (Savings for ages 12 and under) at 0.20% APY and its Money Market Account at 2.36% APY, verified by MonitorBankRates on October 29, 2026. Current North Star Community Credit Union Cherokee, IA Rates
Retrieved from our database of financial products. Rates subject to change.
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