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North Star Credit Union

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North Star Credit Union Rates & Review April 2026

Q: How many branches does North Star Credit Union operate?

North Star 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.

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

Yes, to access services at North Star 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Star 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: April 12, 2026

You can compare North Star Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.76%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 3.80%. Savings rates are at 0.10% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to North Star Credit Union rates. MonitorBankRates evaluates the financial stability of North Star Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.18%. Rates were last updated on 04/12/2026.

North Star 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 Credit Union? Share your experience about North Star Credit Union by leaving a review below, or read customer reviews before you decide to use North Star Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.18%

Excellent Lower than avg

North Star Credit Union
Main Office 24 S River St

24 S River St
Cook, MN 55723

https://www.northstarcreditunion.org

North Star Credit Union Savings Rates

Product	Rate	APY
Future Freedom Club Account	-	0.50%
No additional details. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%
Kid's Club Account	-	0.50%
No additional details. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%
Christmas Club Account	-	0.20%
No additional details. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%

North Star Credit Union Checking Rates

Product	Rate	APY	View More
Personal Checking Account	-	0.05%
Min Balance $200 Details Must retain balance over $200 to bear interest. Last Updated 04/12/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for North Star 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Star Credit Union

Website https://www.northstarcreditunion.org

Address 24 S River St, Cook, MN 55723

Phone 218-666-5940

Fax 218-666-2149

President Lara Whiteside

CEO Jennifer Stedt

Full-Time Employees 31

Part-Time Employees 3

Branch Locations 5

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.18%

Return on Assets (ROA)

0.4494%

Return on Equity (ROE)

5.2701%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

114,612,677

Total Amount of Shares and Deposits

103,469,841

Total Shares and Deposits < 1 Year

102,929,620

Total Shares and Deposits 1 3 Years

507,495

Total Shares and Deposits > 3 Years

32,727

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

103,469,841

Total Interest Expense (Sum of items 6 8)

1,306,349

Share Certificates

858

Number of Accounts for Share Drafts

3,663

IRA KEOGH Accounts

182

Number of Accounts for Regular Shares

7,460

All other shares

205

Non Member Deposits

Money Market Shares

156

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,298,958

Total Liabilities

104,839,428

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for North Star Credit Union yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About North Star Credit Union

Is North Star Credit Union a safe place to deposit money?

Yes, North Star Credit Union is considered a safe financial institution. With a Texas Ratio of 2.1817167996726%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does North Star Credit Union operate?

North Star 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 Credit Union?

Yes, to access services at North Star 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does North Star Credit Union offer online and mobile banking?

Most modern institutions like North Star 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.northstarcreditunion.org.