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 04/01/16


Share/Savings Rates 

Dividend  
Dividend Rate 0.20%
Annual Percentage Yield 0.20%
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 0.20%
Annual Percentage Yield 0.20%
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
Dividend Rate 0.30% 0.50%
Annual Percentage Yield 0.30% 0.50%
Dividends Compounded Monthly Monthly

Dividends Credited

Monthly Monthly
Dividends Period Monthly Monthly
Balance Requirements    
Minimum Opening Balance $1,000.00 $20,000.00

Minimum Required Balance
To Earn Dividends

$1,000.00 $20,000.00
Balance Method 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.

IRA Account Rates 

Dividend  
Dividend Rate 0.45%
Annual Percentage Yield 0.45%
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 

Dividend
6 Mos
1 Yr
18 Mos
24 Mos
3 Yrs
4 Yrs
5 Yrs
Dividend Rate
.44%
.69%
.74%
1.04%
1.34%
1.53%
2.03%
Annual Percentage Yield
.45%
.70%
.75%
1.05%
1.35%
1.55%
2.05%
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
Balance Requirements
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 

Dividend
6 Mos
1 Yr
18 Mos
24 Mos
3 Yrs
4 Yrs
5 Yrs

Dividend
Rate

.44%
.69%
.74%
1.04%
1.34%
1.53%
2.03%
Annual Percentage Yield
.45%
.70%
.75%
1.05%
1.35%
1.55%
2.05%
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
Balance Requirements
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 

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
Balance Requirements
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

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