savings rates

Current Savings Rates

NorState Federal Credit Union offers a variety of savings accounts to serve your needs at competitive rates.

To see current rates, please choose an account type below:

All rates effective as of 12/30/2024

Share/Savings Rates
Share Draft/Checking Rates
Club Account Rates
Money Market/Flex Account Rates
IRA Account Rates
Share Certificate Rates
IRA Certificate Rates
Wealth Builder Account Rates

Share/Savings Rates

Dividend
Dividend Rate	0.05%
Annual Percentage Yield	0.05%
Dividends Compounded	Monthly
Dividends Credited	Monthly
Dividends Period	Monthly
Balance Requirements
Minimum Opening Balance	$25.00
Minimum Required Balance To Earn Dividends	0
Balance Method	Average Daily Balance
ACCOUNT LIMITATIONS	Account transfer limitations apply

Share Draft/Checking Rates

Dividend
Dividend Rate	0.00%
Annual Percentage Yield	0.00%
Dividends Compounded	Monthly
Dividends Credited	Monthly
Dividends Period	Monthly
Balance Requirements
Minimum Opening Balance	$0.00
Minimum Required Balance To Earn Dividends	$0.00
Balance Method	Average Daily Balance
ACCOUNT LIMITATIONS	Minimum balance required to obtain the Annual Percentage Yield for the dividend period

Club Account Rates

Dividend
Dividend Rate	0.05%
Annual Percentage Yield	0.05%
Dividends Compounded	Monthly
Dividends Credited	Monthly
Dividends Period	Monthly
Balance Requirements
Minimum Opening Balance	$0.00
Minimum Required Balance To Earn Dividends	$0.00
Balance Method	Average Daily Balance
ACCOUNT LIMITATIONS	Withdrawal from Christmas Club Accounts will require closure of said account. Christmas Accounts are closed on or after October 1 by transfer account. Account transfer limitations apply.

Money Market /Flex Account Rates

Dividend	$1,000.00 to $19,999.99	$20,000 to $74,999.99	$75,000.00 to $149,999.99	>$150,000.00
Dividend Rate	2.25%	2.49%	2.73%	2.96%
Annual Percentage Yield	2.27%	2.52%	2.76%	3.00%
Dividends Compounded	Monthly	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly	Monthly
Dividends Period	Monthly	Monthly	Monthly	Monthly
Balance Requirements
Minimum Opening Balance	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Minimum Required Balance To Earn Dividends	$1,000.00	$20,000.00	$75,000.00	$150,000.00
Balance Method	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance
ACCOUNT LIMITATIONS	Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply.	Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply.	Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply.	Minimum balance required to obtain the Annual Percentage Yield for the dividend period. Withdrawal, deposit, and transfer limitations apply.

IRA Account Rates

Dividend
Dividend Rate	0.40%
Annual Percentage Yield	0.40%
Dividends Compounded	Monthly
Dividends Credited	Monthly
Dividends Period	Monthly
Balance Requirements
Minimum Opening Balance	$0.00
Minimum Required Balance To Earn Dividends	$0.00
Balance Method	Average Daily Balance
ACCOUNT LIMITATIONS	Withdrawals and deposits are subject to Federal Regulations

Share Certificate Account Rates

Balance Requirements
Dividend	6 Mos	1 Yr	18 Mos	24 Mos	3 Yrs	4 Yrs	5 Yrs
Dividend Rate	3.35%	4.10%	4.03%	3.93%	3.69%	3.59%	3.59%
Annual Percentage Yield	3.40%	4.18%	4.10%	4.00%	3.75%	3.65%	3.65%
Dividends Compounded	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Period	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Minimum Opening Balance	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Minimum Required Balance To Earn Dividends	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Balance Method	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance
Transaction Limitations
Additional Deposits: Not Allowed
Dividend Withdrawal: Allowed Monthly
Renewal: Automatic

IRA Certificate Rates

Balance Requirements
Dividend	6 Mos	1 Yr	18 Mos	24 Mos	3 Yrs	4 Yrs	5 Yrs
Dividend Rate	3.35%	4.10%	4.03%	3.93%	3.69%	3.59%	3.59%
Annual Percentage Yield	3.40%	4.18%	4.10%	4.00%	3.75%	3.65%	3.65%
Dividends Compounded	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Credited	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Dividends Period	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly	Monthly
Minimum Opening Balance	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Minimum Required Balance To Earn Dividends	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00	$1,000.00
Balance Method	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance
TRANSACTION LIMITATIONS:
Additional Deposits: Not Allowed
Dividend Withdrawal: Allowed Monthly
Renewal: Automatic

Wealth Builder Account Certificate Rates

Balance Requirements
Minimum Balance	Rate
$1.00 to $250.00	1-Year Cert. Dividend Rate minus 2.00%
$250.01 to $500.00	1-Year Cert. Dividend Rate minus 1.50%
$500.01 to $750.00	1-Year Cert. Dividend Rate minus 1.00%
$750.01 to $1,000.00	1-Year Cert. Dividend Rate minus 0.50%
$1,000.01 and up *Account Limit	1-Year Cert. Dividend Rate *Minimum rate equal to current Share/Savings Rate
Dividends Compounded	Monthly
Dividends Credited	Monthly
Dividends Period	Monthly
Minimum Opening Balance	$0.00
Minimum Required Balance To Earn Dividends	$1.00
Balance Method	Average Daily Balance
TRANSACTION LIMITATIONS:
Additional Deposits: Allowed
Dividend Withdrawal: Allowed Monthly
Renewal: Automatic

Truth in Savings Disclosure

All member deposit accounts federally insured by NCUA, National Credit Union Administration, to at least $250,000.