Grow Your Savings With Confidence
Our Share Certificates offer competitive rates and a secure way to build your financial future.
Share Certificates
Share Certificates allow you to earn higher returns by locking in a fixed rate for a set term. Here’s what you can expect:
Earn a higher, fixed rate of return than a regular savings account (see rate chart below)
Minimum deposit of $500 required to open
Dividends are paid quarterly and at maturity
Choose to have dividends added to the certificate or paid to your Share Account
Early withdrawal penalties may apply if funds are accessed before maturity
Start earning more—open a Share Certificate with North Star Community Credit Union today.
Share Certificate Rates
Current Rates effective as of July 23, 2025.
| Term $500 Minimum Deposit | Dividend Rate | APY** |
|---|---|---|
| 3 Months | 4.18% | 4.25% |
| 6 Months | 4.14% | 4.20% |
| 9 Months | 3.26% | 3.30% |
| 1 Year | 3.36% | 3.40% |
| 1 Year Star Saver ($100.00 Minimum) | 3.36% | 3.40% |
| 18 Months | 3.41% | 3.45% |
| 2 Years | 3.50% | 3.55% |
| 3 Years | 3.26% | 3.30% |
| 4 Years | 3.36% | 3.40% |
| 5 Years | 3.45% | 3.50% |
Annual Percentage Yield (APY) assumes dividends are compounded quarterly. Dividends may be credited to the certificate or paid to a share account quarterly.
Early withdrawal penalties apply. Fees may reduce earnings on the account.
Rates are expressed as APY** (Annual Percentage Yield).**
Early withdrawal penalties apply. Fees may reduce earnings on the account.
Rates are expressed as APY** (Annual Percentage Yield).**