North Star offers three types of IRAs: Traditional, Roth, and Educational. With a minimum investment of $500, an IRA share certificate can be purchased. The same terms apply to the IRA share certificates that apply to the regular share certificates. An IRA share account is also available to help you save until the $500 minimum is reached to purchase an IRA certificate. Dividends are calculated and paid quarterly and at maturity. Dividends are added to the principal. Early withdrawal results in a penalty.