Rates & Fees

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Current Rates

The following is a list of Northern Star's rate schedules, effective June 21, 2016

Dividend & Savings Rates
Account Type Balance Rate APY*
Share
$25 minimum balance (required for membership)
$5minimum balance if under 21 years of age
$100 & up

0.15%

0.15%

Money Market
$1000 minimum balance is required
$1,000 to 9,999
$10,000 to 24,999
$25,000 & up

0.15%
0.25%
0.50%

0.15%
0.25%
0.50%

Club Accounts $100 & up

0.15%

0.15%

VIP Checking $0 to $25,000**
$25,000 & up
1.97%
1.00%
2.00%
1.00%
VIP Saver $0 to $25,000**
$25,000 & up
1.49%
1.00%
1.50%
1.00%
VIP Plus $0 to $25,000**
$25,000 & up
2.95%
1.00%
3.00%
1.00%
 
*APY is Annual Percentage Yield
** See our vipchecking.com for complete details regarding VIP Checking qualifications. Non-qualifying VIP Checking accounts earn 0.15% APY. VIP Checking is required for all VIP Saver accounts.

 

Individual Retirement Account (IRA) Rates †
Term Minimum Balance Rate APY*
IRA Accounts $250 - $4,999
$5,000 & Up

0.75%
0.75%

0.75%
0.75%

24 Month IRA Certificate (Fixed) † $250

0.75%

0.75%

* APY is Annual Percentage Yield
†  Early withdrawal is subject to penalties.

 

Certificate Rates †
Term Minimum Balance Rate APY*
6 Month $1,000

0.25%

0.25%

12 Month $1,000

0.50%

0.50%

24 Month $1,000

0.75%

0.75%

36 Month $1,000

1.00%

1.00%

48 Month $1,000

1.24%

1.25%

60 Month $1,000

1.49%

1.50%

 
*   APY is Annual Percentage Yield
†  Early withdrawal is subject to penalties.

 

  Loan Rates
Loan Type APR Terms Available
     

Secured/Auto Loans

Rates As Low As 3.5%

Up to 84 months

 Second Mortgage Loans*

As Low as 5.00%

Up to 180 months

Unsecured

As Low As 10.99%
     
                      

Up to 36 Months

     
Lines of Credit APR  
Visa Platinum Credit Card As Low As 10.99%

 

Overdraft Protection 12.50%  
Home Equity Lines of Credit Prime+2%**  
 

Rates are subject to change with the market, and are determined by member credit and quoted "as low as".
*Any loan with a term in excess of 84 months will have a call option anytime after the 5th year so the 72 month rate is used.  Includes 2nd mortgage loans up to 180 months

** ”Prime” refers to Wall Street Journal Prime Interest Rate. All HELOCs carry a floor of 5.50% APR

Any loan with a term in excess of 84 months will have a call option anytime after the 5th year.

Maximum Overdraft Line is $2,500.00

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Fees

 

The following is a list of Northern Star's fee schedules, effective January 1, 2014.

Share Account Fees
Description Fee
Monthly Maintenance Charge *
  (for Basic Accounts only)
$12 per month
NSF Fee $30 per item
Returned Item Fee $30 per item
Stop Payment Fee $25 per item
Check Prices Vary according to style
Paper Statement $3 per month
Other Service Fees
Description Fee
Account Research / Reconciliation Fee $25 per hour
Wire transfer (Outgoing) $5 per transfer
Corporate Draft Fee $5 per check
Money Order Fee $1 per item
Garnishment / Levy Fee $50
Account Closure Fee $25 per closure
(if closed within 90 days of opening)
Account History $1 per page
ACH Return/Block Fee $25 per item
ATM / Debit PIN Replacement $5 each
Check Copy Fee $10 per check
Bad Address $10 per month
Inactive/Dormant Account $10 per month
(after 12 mos. of no activity)

 

Electronic Funds transfer Fees
Description Fee
Nonproprietary ATM Withdrawal Fee $1 per transaction
Check Card Replacement / Reinstatement Fee $30 per card
Check Card NSF Fee $30 per item

$12 Monthly Maintenance Charge if Average Balance in Core Accounts is Less Than $500.00. Core Accounts are Regular Shares (Savings), Checking, and/or Money Market (Super Club). Average balance may be maintained in any one of these accounts or in a combination of these accounts.

Unlike other financial institutions, Northern Star's monthly maintenance charge is based upon the average daily balance, not the minimum daily balance. Therefore, if at any point during the month your account falls below the stated amount, a charge will not be assessed unless your average balance for the month is also below this amount. In addition, monthly maintenance charge exemptions are given to members 70 years of age or older, 20 years of age or younger, and accounts opened 30 days or less.

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Calculators

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