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Northern Star Credit Union

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Northern Star Credit Union Rates & Review June 2026

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

Yes, to access services at Northern 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, Northern 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: June 26, 2026

You can compare Northern Star Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.00%, 6-month share certificate rates at 0.03% and 3-month share certificate rates at 1.00%. Savings rates are at 0.15% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 6.28%. All these rates can be compared to Northern Star Credit Union rates. MonitorBankRates evaluates the financial stability of Northern Star Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.25%. Rates were last updated on 06/26/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.25%

Excellent Lower than avg

Northern Star Credit Union
Main Branch

5100 George Washington Hwy
Portsmouth, VA 23702

https://www.nstarcu.org

Current Rate Availability

We do not have Northern Star Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Northern Star Credit Union

Website https://www.nstarcu.org

Address 5100 George Washington Hwy, Portsmouth, VA 23702

Phone 757-487-3474

Fax 757-558-8000

President Charles Parker

CEO Jennifer Riley

Full-Time Employees 16

Part-Time Employees 2

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+ (99/100)

Texas Ratio

1.25%

Return on Assets (ROA)

1.3958%

Return on Equity (ROE)

8.4406%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

73,461,593

Total Amount of Shares and Deposits

63,565,526

Total Shares and Deposits < 1 Year

62,578,886

Total Shares and Deposits 1 3 Years

699,642

Total Shares and Deposits > 3 Years

286,998

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

1,452,514

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

1,452,514

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

62,113,012

Total Interest Expense (Sum of items 6 8)

111,181

Share Certificates

118

Number of Accounts for Share Drafts

3,517

IRA KEOGH Accounts

156

Number of Accounts for Regular Shares

5,615

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

1,025,393

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

16,188,735

Total Liabilities

63,621,149

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Northern Star Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Northern Star Credit Union

How many branches does Northern Star Credit Union operate?

Northern 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 Northern Star Credit Union?

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

Does Northern Star Credit Union offer online and mobile banking?

Most modern institutions like Northern 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.nstarcu.org.