Routing #251481957 Contact Us Rates Search Go to main content Menu Login Rates Deposit Rates Dividend & Savings Rates Effective Date: 03/01/2021 Account Type Balance Rate APY* Club Accounts $1,000 minimum 0.05% 0.05% Share (Everyday Savings) $25 required for members 21+ $5 for members under 21 0.05% 0.05% Money Market $1,000 to 9,999 0.10% 0.10% $10,000 to 24,999 0.15% 0.15% $25,000+ 0.25% 0.25% VIP Checking & Saver $0 to 24,999 1.00% 1.00% $25,000+ 0.25% 0.25% VIP Plus $0 to 24,999 1.49% 1.50% $25,000+ 0.25% 0.25% *APY stands for Annual Percentage Yield. VIP rates are based on a blended structure. 0.05% APY applies if VIP qualifications are not met. Certificates of Deposit (CDs) Term Rate APY* 6 Month 0.25% 0.25% 1-Year 0.50% 0.50% 2-Year 0.75% 0.75% 3-Year 1.00% 1.00% 4-Year 1.24% 1.25% 5-Year 1.49% 1.50% *Minimum balance required is $1,000. Individual Retirement Account (IRA) Rates † Term Minimum Balance Rate APY* Traditional IRA $250+ 0.75% 0.75% 2-Year Fixed IRA Certificate $250+ 0.75% 0.75% † Early withdrawal from CDs and IRA accounts are subject to penalties. Loan Rates Loan Rates Effective Date: 03/01/2021 Loan Type APR Maximum Terms Available Auto Loans (New & Used) As Low As 2.75% Up to 84 Months HELOCS Prime Up to 20-Years Overdraft Protection As Low As 12.50% Open Personal Loans As Low As 10.99% Up to 36 Months Second Mortgages As Low As 2.50% Up to 15-Years VISA Credit Cards As Low As 10.99% APR Open **APR stands for Annual Percentage Rate. Rates are determined by member credit and subject to change with the market. Any loan with a term longer than 84 months (7-years) will have a call option. Prime refers to the Wall Street Journal Prime Interest Rate. The maximum Overdraft Line is $2,500. Personal loans are unsecured. Auto rates eligible for discount with automatic payments. Line of Credit Lines of Credit APR Visa Platinum Credit Card As Low As 10.99% Overdraft Protection 12.50% Home Equity Lines of Credit Prime+2%** Go to main navigation Connect With Us 5100 George Washington Hwy Portsmouth, VA 23702 757-487-3474 Grow With Us Become a Member Apply for a Loan Site Tour Emergency Numbers Report a Lost/Stolen Card 1-800-528-2273 Dispute Fraud 1-800-808-6402 Bill Pay Questions 1-888-918-7584 Mobile Apps Stay connected at home or on-the-go with our Mobile App! Part of the Community Northern Star Credit Union has proudly served the Hampton Roads community for over 90 years. Better than a bank, we provide financial solutions to help members through each stage of life. Account Disclosures FAQs Privacy Policy