When do you start planning for retirement? From the moment you begin your first job, you can start thinking about the future. While the internet lists a range of strategies, like the F.I.R.E. Movement and Stock Trading, Northern Star Credit Union offers members accounts that have stood the tests of time.

Certificates of Deposit (CDs)

The starting balance is $1,000. This account is best if you want to

  • Enjoy Higher Rates for Longer Terms
  • Clear Withdrawal Dates

Fixed IRA Certificates

The starting balance is $250. This account is best if you want to

  • Save in 2-Year Sprints
  • Enjoy the Benefits of Both IRAs and CDs

Individual Retirement Accounts (IRAs)

The starting balance is $250. This account is best if you want to

  • Make Pre-Taxed Contributions
  • Save Over Multiple Years

Features

Benefits CDs IRA Certificates Traditional IRAs
Highest Annual Percentage Yield 1.50% APY 0.75% APY 0.75% APY
Withdraw without Penalty At 6-months At 24-months At age 59.5
Automatic Deposit

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