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Primary Savings Account*

  • Minimum of $1 to open
  • $.01 minimum balance to earn a variable rate of interest

Personal Money Market*

  • Minimum of $1 to open
  • Tiered, variable rates of interest earned on daily balances
  • Limited check writing available
  • $8 monthly service charge fee if account balance falls below $1,000

Health Savings Accounts

  • In conjunction with a qualified high deductible insurance plan
  • Minimum of $1 to open
  • $1 minimum daily balance to earn a variable rate of interest
  • Each contribution in excess of the current annual limit will result in a $10 fee

Christmas Club*

  • Minimum of $1 to open
  • $1 minimum balance to earn a variable rate of interest
  • Free automated transfer from Northstar Bank account
  • $10 fee assessed for each withdrawal
  • Disbursement of funds occurs annually the second Tuesday in October


  • A certificate of deposit at Northstar Bank offers you competitive rates of interest and a guaranteed safe investment
  • Flexible terms from 3 months to 5 years available; minimum of $1,000 to open
  • Fixed rate options
  • Interest compounded and paid monthly, quarterly, semi-annually or annually; minimum balance of $1,000 to obtain annual percentage yield
  • Automatically renewed at maturity with rate in effect at maturity; notice sent 10 days prior to maturity; terms of 30 days or less renew with a 5 day grace period or terms of 31 days or more renew with a 10 day grace period
  • Penalty imposed for early withdrawal


IRAs are one of the safest investments you can make - save for today and for your future. 

Traditional IRA

  • Earnings grow tax-deferred until you withdraw the funds after age 59 1/2. Then, the earnings are taxed at the then-current tax rate
  • Get started with as little as $1,000
  • Contributions may be tax deductible (Age and income govern eligibility. Consult your tax advisor to determine if you qualify for any tax deductions)
  • Earnings are tax-deferred, so your investments can compound faster
  • Pay no taxes on earnings until money is withdrawn
  • Safe deposit account that can preserve and grow funds at a guaranteed rate of return

Roth IRA

  • Contributions are made with after-tax dollars
  • Earnings grow tax-free**
  • Contributions (not earnings) can be withdrawn at any time
  • Tax-free distribution at retirement**
  • Income requirements govern eligibility
  • Leave your money in as long as you want (no minimum distributions)
  • Safe deposit account that can preserve and grow funds at a guaranteed rate of return


Designed to safeguard your investments, CDARS® allows you to receive up to $50 million in FDIC protection. Northstar Bank is a member of a special network. When you place a large amount with us, we place your funds into certificates of deposit issued by other banks in the network in increments of less than $250,000 - so that both your principal and interest are eligible for complete FDIC protection. These exchanges, which occur on a dollar-for-dollar basis, can bring the full amount of your original deposit back to our bank. As a result, we can make the full amount of deposit available for community lending purposes.

  • Safety - Receive up to $50 million in FDIC insurance coverage
  • Convenience - Work directly with Northstar Bank. Earn one interest rate and receive one regular statement. Individual investors receive one year-end tax form.
  • Community Investment - The full value of your money can support lending opportunities in our local communities
  • Rates - Your money earns CD-level returns
  • Minimum to Open: $250,000

Funds may be submitted for placement only after a depositor enters into the CDARS® Deposit Placement Agreement with Northstar Bank. The agreement contains important information and conditions regarding the placement of funds by Northstar Bank. This benefit applies to some, but not all types of CDARS® transactions. CDARS® is a registered service mark of Promontory Interfinancial Network, LLC.

*During any month you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, online banking transfer, or by check, draft, debit card or similar order to a third party. There will be a $10 fee assessed with each transfer/withdrawal made after the 6 allowable preauthorized transfers/withdrawals. Click here for FAQs.**If withdrawn after age 59½ and the account has been open for 5 years or more (begins with tax year of the first contribution).

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