Products & Services

Savings Accounts

Northern Star Credit Union offers you a variety of savings plans to suit your financial needs. All members start off with a basic share (savings) account, and can build their account with services to fulfill each of their particular needs. Whether it's retirement planning with an IRA, long term savings with a certificate, or saving up for holiday spending with our Christmas club, our members have always enjoyed the convenience of finding a selection of savings accounts to suit their needs. The following is a list of Northern Star's standard savings accounts:

  • Regular Share Account
  • Money Market Account
  • Certificates
  • IRA Share Accounts
  • IRA Certificates
  • Christmas Club
  • Vacation Club
  • Tax Club

Signing up for a Northern Star savings account takes about fifteen minutes, and can be done online or at any one of our branch locations.  If you have any further questions concerning this service, or any of our other services, please contact us.

Check out our rates page and fee schedule for the latest information.

Sign up for a saving account online now

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Classic Checking Accounts

  • No minimum balance required to open account
  • Unlimited check writing
  • Free Visa Debit Card
  • Account access through e-Branch and our Mobile App
  • Reward Points on signature-based
  • Free online Bill Pay

Signing up for a Northern Star savings account takes about fifteen minutes, and can be done online or at any one of our branch locations.  If you have any further questions concerning this service, or any of our other services, please contact us.

Please be advised, if you plan to leave the country and/or make transactions outside of the United States, you must give Northern Star Credit Union a ten day notice prior to your intent to use your VISA Debit Card.
To avoid possible disruption in your debit card service, be sure to log into e-Branch, click the preferences link on the side menu, and opt-in your checking account. If you prefer signing a hard copy and bringing it by one of our branches, you may also use the opt-in form.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number to verify your identity when they call you. If you choose not to answer this question, Vantiv may ask you another question, such as your mother’s maiden name.

Check out our rates page and fee schedule for the latest information.

Sign up for a checking account online now

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VIP Checking

VIP Checking

VIP Checking is a free checking account that pays you massive interest in cash every month. It's your money, so you should benefit the most from it. VIP Checking recognizes the value of your business by giving you something back. Not only is there no minimum balance, no monthly fees, and nationwide ATM fee refunds, but you get paid cash, just by meeting our simple monthly qualifications.

VIP Checking offers you: 

  • A high interest rate on your balance
  • Up to $30 in nationwide foreign ATM refunds per month
  • Reward Points on Debit Card purchases
  • Free Online Banking
  • Free Online Bill Pay
  • No minimum balance requirement
  • No monthly service fees

Minimum to open account is $0. Interest rate and ATM refunds up to $30 per statement cycle applies as long as qualifications are met each statement cycle. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions may take one or more business days to post from the transaction date. Intrabank transfers do not count as qualifying ACH transaction. Only signature based transactions earn reward points. Limit on VIP Checking account per individual. Membership required.

Sign up for a VIP Checking account online now

 

VIP Saver

VIP Saver puts saving on autopilot. It's a free, high-interest saver account linked to your free VIP Checking account (you need both) so the massive interest earned on your checking and ATM fee refunds are automatically deposited into your free VIP Saver account every month just by meeting our simple monthly qualifications. But that's not all. Your Saver account also piles high interest on top of that. If you want to automatically save more and save often, VIP Saver is for you.

VIP Saver (when combined with VIP Checking) offers you:

  • Interest and ATM refunds are deposited into an interest-bearing savings account
  • Reward Points on Debit Card purchases
  • Free Online Banking
  • Free Online Bill Pay
  • No minimum balance requirement
  • No monthly service fees

Minimum to open account is $0. Interest rate and ATM refunds up to $30 per statement cycle applies as long as qualifications are met each statement cycle. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions may take one or more business days to post from the transaction date. Intrabank transfers do not count as qualifying ACH transaction. Only signature based transactions earn reward points. Limit on VIP Checking account per individual. Membership required.

Sign up for a VIP Saver account online now

 

VIP Plus

VIP Plus is the perfect way to take your VIP Checking account to the next level. When you meet our monthly qualifications in VIP Checking and also have a Northern Star auto loan or credit card, we will pay you a much higher rate on the balance on your VIP Checking account balance.

There is no need to sign up for VIP Plus separately, all VIP Checking and VIP Saver account holders will automatically qualify for the premium interest rate when they have a qualifying auto loan or credit card.

VIP Plus offers you:

  • A much higher interest rate on your balance than our standard VIP Checking Account
  • All the same great features of our standard VIP Checking account:
    • Up to $30 in nationwide foreign ATM refunds per month
    • Reward Points on Debit Card Purchases
    • Free Online Banking
    • Free Online Bill Pay
    • No minimum balance requirement
    • No monthly service fees

Minimum to open account is $0. Interest rate and ATM refunds up to $30 per statement cycle applies as long as qualifications are met each statement cycle. Rates may change after the account is opened. Qualifying transactions must post to the account during the qualification cycle. Transactions may take one or more business days to post from the transaction date. Intrabank transfers do not count as qualifying ACH transaction. Only signature based transactions earn reward points. Limit on VIP Checking account per individual. Membership required. VIP Plus qualifications are based on loan and credit card balances on the last day of the qualification cycle, in addition to qualifying in our Standard VIP Checking account. Minimum auto loan of $15,000 or credit card balance $3,000 is required for VIP Plus qualifications.

Sign up for a VIP Plus account online now

Rewarding our Members for their Loyalty

When you use your VIP Checking account, Northern Star Credit Union rewards you with monthly benefits for your loyalty. In order to receive your monthly benefits, we ask that you:

  • Have at least 12 debit card purchases post and clear (ATM usage does not count toward the 12 purchases)
  • Have 1 Automatic Payment or Direct Deposit post and clear
  • Receive your account statement electronically
  • Valid email address required for electronic statement qualification

If for some reason you are unable to fulfill these requests in any particular month, there is no maintenance fee, but you will not receive the benefits for that particular statement cycle.
Any of our Northern Star accounts can be accessed free online through e-Branch, with our mobile app, or over the phone through TelSTAR. VIP accounts are interest bearing, check our rates page for the latest information. Membership required. If the requirements for your VIP Checking account are not met for an extended period of time, Northern Star Credit Union may elect to close your VIP Checking account and transfer the funds to a standard checking account.

Signing up for a Northern Star VIP Checking account takes about fifteen minutes, and can be done online or in person. Please be advised, if you plan to leave the country and/or make transactions outside of the United States, you must give Northern Star Credit Union a ten day notice prior to your intent to use your VISA Check Card. To avoid possible disruption in your debit card service, be sure to log into e-Branch, click the preferences link on the side menu, and opt-in your checking account. If you prefer signing a hard copy and bringing it by one of our branches, you may also use the opt-in form.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number to verify your identity when they call you. If you choose not to answer this question, Vantiv may ask you another question, such as your mother’s maiden name.

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Loans & Lines of Credit

Northern Star has a loan for you at any stage of your life. Our application process is simple and fast and our rates are some of the most competitive around. Northern Star boasts some of the most competitive loan rates in the area. Any of our Northern Star loans or lines of credit can be accessed online through e-Branch or over the phone through TelSTAR. Applying for a loan is easy; applications can be taken in person, online, or over the phone at (757) 487-3474.

Student Loans

Seeing a child graduate is a proud moment and sending them to college is an exciting time. However, the thought of paying for college can be overwhelming. Northern Star is here to help you pay for your child's education. We offer our credit union members one of the lowest rates on private student loans.

cuScholar - Private Student Loans

Are federal loans not enough to cover the cost of your college education? The cuScholar Loan can be the answer to your funding needs. It takes less than 15 minutes to apply.

  • Borrow as little as $2,000 or up to Cost of Attendance per year for a maximum of $120,000 in undergraduate loans or $160,000 in graduate loans.
  • Choose between making interest payments or a nominal $25 Proactive Payment towards the loan while in school.
  • Use the funds for any qualified educational expense, including past due tuition bills.
  • Quick approval once we receive your completed application.

Visit our CU Student Loan site to sign up today.

cuGrad – Private Student Loan Consolidation

Simplify your finances with the cuGrad Private Student Loan Consolidation from Northern Star Credit Union.

  • Refinance and consolidate as little as $7,500 or as much as $125,000 in undergraduate private student loan debt or $175,000 in graduate debt.
  • Choose between paying interest only for first 4 years of repayment or standard level repayment the whole term.
  • Quick approval once we receive your completed application.

Visit our CU Student Loan site to sign up today

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New & Used Auto Loans

Northern Star can finance your vehicle up to 100% of its value*. Terms are available up to 84 months for new automobiles and up to 60 months for used. In addition to financing your vehicle, Northern Star offers some great add-ons to protect your investment, including Payment Protection and a Mechanical Repair Coverage.

Click here to apply online for a Northern Star Auto Loan.

Mortgage Loan Products:

You can trust our products and experience!
At Northern Star Credit Union we tailor your loan around your specific needs.  We want you to have the best experience and loan product to meet your goals.
We offer a number of mortgage loan products such as:

  • FHA Loans
  • VA loans for active duty, veterans and reservists
  • Rural loan programs with no money down
  • Condo loans
  • Jumbo loans
  • Fixed & Adjustable rates
  • Remodeling loans
  • Investment property loans
  • Vacation and second home loans
  • 15 year, 20 year and 30 year loans

Contact us today to learn more about purchasing or refinancing a home.

Click here to start your Mortgage Loan application process

Second Mortgages and HELOCs miniature house on stack of money

Take advantage of the equity in your home with either a Second Mortgage loan or a Home Equity Line of Credit (HELOC). Both options offer a unique way to suit your particular borrowing needs with the possibility of writing off the interest on your taxes. Low closing costs and Payment Protection have made Northern Star's home equity products a favorite among our members for many years. Terms available for the Northern Star Second Mortgage are up to 180 months, and Northern Star will cover all closing costs associated with the loan.*

Click here to apply online for a Northern Star Home Equity product.

Unsecured Loans

We realize sometimes bad things happen to good people, and a home equity loan may not be the best solution to solve some of these problems. For this reason, Northern Star has unsecured loans, also known as Signature* loans. Northern Star Signature loans can cover a broad range of needs, from debt consolidation to medical needs to any other reason you may need. Terms available are up to 36 months, and Payment Protection is available with all Signature loans.

Click here to apply online for a Northern Star Signature Loan.

VISA Credit Card

VISA is a premier revolving line of credit accepted worldwide that goes with you anywhere your wallet does. Northern Star's VISA credit card carries a low fixed rate, with no annual fee, a twenty-five day grace period, and a point-based rewards program known as Rewards!. Online access to your Visa credit card is also available through Northern Star Credit Union’s e-Branch.

Please be advised, if you plan to leave the country and/or make transactions outside of the United States, you must give Northern Star Credit Union a ten day notice prior to your intent to use your VISA Credit Card.
800-528-2273  To report a lost or stolen VISA Card (Credit or Debit Card)

877-267-6914  To obtain your PIN or change your PIN number.

Click here to apply online for a Northern Star VISA credit card.

Debit card and credit card processing is done through Vantiv, a partner with Northern Star Credit Union. Vantiv may call regarding security matters or suspicious activity with your card. They may go over a list of purchases you have recently made with your plastic cards, however they will never ask for any personal information such as PINs, account numbers, passwords, or other private information. Vantiv may ask for the last four digits of your social security number to verify your identity when they call you. If you choose not to answer this question, Vantiv will ask you another question, such as your mother’s maiden name.

Asset & Liability Protection Services

Northern Star offers a variety of asset and liability protection plans*:

Payment Protection can help the member in different ways. It can cover your loan in the event of death, disability, and involuntary unemployment up to the policy maximums.

Mechanical Repair Coverage is competitively priced and flexible protection from unexpected vehicle repairs after the manufacturer's warranty expires.

GAP Insurance helps pay the balance of your loan in the unlikely event you have totaled your car and can make a down payment on your next auto loan with us.

* Pending certain conditions, stop by or call Northern Star for more details. There may be a closing cost reimbursement for any Northern Star Home Equity Loan or Line of Credit that is paid off in the first 24 months of the term. Check our rates page for the latest rate information.

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Score Enhancement

Credit Score Enhancement Your credit score serves as a fingerprint to identify your financial past. It shows all of your data, from recent loan applications to current debt and from bill payment history to how long you have had your credit cards. There are not too many things that can hinder your life as much as bad credit.

Unlike most other financial institutions, which are glad to give you a higher rate based on your credit, Northern Star wants to help you improve it. Score Enhancement is Northern Star's unique program that helps you improve your credit score. When you request our Score Enhancement service, a Northern Star representative will walk you through your credit report step by step and tell you how to improve each area.

While most credit reporting services give you a consolidated version of your report, Northern Star will give you a copy of the entire thing. You see exactly what we see, exactly as it is reported to us. This fully comprehensive score sheet is your best breakdown of your credit report.

Enhancing your credit score takes less time than most people think. Most scores can be improved with the first six months, even if you have a few late payments on your report. As your Score Enhancement guide, Northern Star representatives will also inform you how to keep your credit score in good condition after it has been repaired.

Some things you may not know about your credit score:

  • Closing old credit cards does not help your score - in fact, it may hurt it.
  • Applying for credit at many different places (ex. department stores, mail offers, banks, car dealerships) within a short amount of period can harm it.
  • Converting credit cards to installment loans may help you in more ways than one when it comes to your credit score.
  • Your income does not affect your score.
  • The length of your current residence does not affect your score. Stop by today, you could change your credit standing in less time than you think.

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Other Northern Star Services

The following is a list of additional Northern Star products and services current as of June 1, 2011.

Branch Services

  • Money Orders
  • Wire Transfers
  • Free Notary Service
  • NADA Used Car Quotations
  • Drive-Thru Teller Window (at our Main Office)

Online Services

  • e-Branch (online account access)
  • e-Statements
  • BillPay (online bill payment system)
  • Loan24 (online and over the phone loan application)
  • Visa Online (check your balance, view your statement, or pay your bill)

Wire Transfer Instructions

Receiving Institution:
Northern Star Credit Union
ABA# 251481957
5100 George Washington Hwy
Portsmouth, VA 23702

Beneficiary:
Member’s name
Account #
Address

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“Member Wealth Management”

MASS MUTUAL AND MEMBER WEALTH MANAGEMENT IS PART OF OUR TEAM.

Insurance and Investment Management Options

When you need someone to help you make smart investment choices or to guide you through retirement planning, we’re here for you. We’ll work with you to develop a plan to make the most of your money. Our advisors can help ensure that your roadmap for the future is charted for success

Member Wealth Management works closely with Agencies of Massachusetts Mutual Life Insurance Company. We have a strategic alliance agreement to offer financial products and services to our credit union members.

For more information, visit us online at www.nstar-mwm.com.

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