What are the current interest rates at Norstar Federal Credit Union?

Current rates for Norstar Federal Credit Union include: 12-Month CD: 3.78%, 18-Month CD: 3.53%, 24-Month CD: 3.33%, MMA: 1.50%

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Norstar Federal Credit Union

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Norstar Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Norstar Federal Credit Union?

Yes, to access services at Norstar Federal 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, Norstar Federal 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 12, 2026

Norstar Federal Credit Union's top rates as of October 12, 2026 are 3.78% APY on its 12 Month CD, 1.50% APY on money market accounts, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other Norstar Federal Credit Union CD rates include 6 Month CD at 3.68%, 3 Month CD at 3.55%, and 18 Month CD at 3.53%. MonitorBankRates evaluates the financial stability of Norstar Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.36%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Norstar Federal Credit Union
Main Location

515 Vander Horck St
Britton, SD 57430

https://norstarfcu.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.

Norstar Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	3.75%	3.78%	12 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
6 Month Share Certificate	3.65%	3.68%	6 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.68% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
3 Month Share Certificate	3.50%	3.55%	3 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal; Dividend Rate shown as APR column Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
18 Month Share Certificate	3.50%	3.53%	18 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
24 Month Share Certificate	3.30%	3.33%	24 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.33% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
36 Month Share Certificate	3.15%	3.17%	36 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.17% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
48 Month Share Certificate	3.00%	3.02%	48 Months
Min Balance $1,000 Details CD Rates minimum of $1,000.00; Penalty required for early withdrawal Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Norstar Federal Credit Union Checking Rates

Product	Rate	APY
Money Market Checking	1.50%	1.50%
Min Balance $1,500 Details Balance: $0 - $4,999.99; 6 transfers allowed per month; 3 checks allowed per month; Minimum Balance $1,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Checking Account	0.15%	0.15%
Details Share Draft; Effective Date: Monday, October 12th, 2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Norstar Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Pee Wee Penguin Shares	1.00%	-	1.00%
Details For children under 12 years of age Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Shares	0.75%	-	0.75%
Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

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

Norstar Federal Credit Union’s Texas Ratio stayed near 0.23% in Q3 2023 to 0.36% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$79M	0.36%	5.0	A+
March 31, 2026	$78M	0.00%	5.0	A+
December 31, 2025	$75M	0.00%	5.0	A+
September 30, 2025	$73M	0.02%	5.0	A+
June 30, 2025	$73M	0.18%	5.0	A+
March 31, 2025	$74M	0.02%	5.0	A+
December 31, 2024	$72M	0.00%	5.0	A+
September 30, 2024	$68M	0.08%	5.0	A+
June 30, 2024	$68M	0.12%	5.0	A+
March 31, 2024	$70M	0.16%	5.0	A+
December 31, 2023	$70M	0.02%	5.0	A+
September 30, 2023	$67M	0.23%	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 Norstar Federal 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 Norstar Federal 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 Norstar Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Norstar Federal Credit Union

Website https://norstarfcu.com

Address 515 Vander Horck St, Britton, SD 57430

Phone 605-448-2292

Fax 605-448-2293

President Kurtis Larson

CEO Jay Kruse

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.36%

Return on Assets (ROA)

0.8247%

Return on Equity (ROE)

5.4055%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

78,569,775

Total Amount of Shares and Deposits

64,317,383

Total Shares and Deposits < 1 Year

60,516,867

Total Shares and Deposits 1 3 Years

974,558

Total Shares and Deposits > 3 Years

2,825,958

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

1,672,002

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

1,672,002

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

62,645,381

Total Interest Expense (Sum of items 6 8)

555,836

Share Certificates

1,370

Number of Accounts for Share Drafts

2,383

Number of Accounts for Regular Shares

3,969

Money Market Shares

128

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

647,984

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)

5,264,622

Total Liabilities

66,582,250

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Norstar Federal 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/norstar-federal-credit-union-rates-review-4951">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Norstar Federal Credit Union

How many branches does Norstar Federal Credit Union operate?

Norstar Federal 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 Norstar Federal Credit Union?

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

Does Norstar Federal Credit Union offer online and mobile banking?

Most modern institutions like Norstar Federal 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://norstarfcu.com.