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North Star Community Credit Union Cherokee, IA

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North Star Community Credit Union Cherokee, IA Rates & Review October 2026

Q: What are the current interest rates at North Star Community Credit Union Cherokee, IA?

Current rates for North Star Community Credit Union Cherokee, IA include: Savings: 0.20%

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Star Community Credit Union Cherokee, IA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

North Star Community Credit Union Cherokee, IA's top rates as of October 13, 2026 are 0.20% APY on savings, and personal loans from 11.24% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of North Star Community Credit Union Cherokee, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.80%. Rates last updated and verified on 10/13/2026.

North Star Community Credit Union Cherokee, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at North Star Community Credit Union Cherokee, IA? Share your experience about North Star Community Credit Union Cherokee, IA by leaving a review below, or read customer reviews before you decide to use North Star Community Credit Union Cherokee, IA.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.80%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

North Star Community Credit Union Cherokee, IA
Cherokee Main Office

1207 North 2nd Street
Cherokee, IA 51012

https://www.nsccu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

North Star Community Credit Union Cherokee, IA Savings Rates

Product	Rate	APY
Kirby Kangaroo Club (Savings for ages 12 and under)	0.20%	0.20%
Min Balance $25 Details Youth savings for ages 12 and under; Dividends calculated daily and paid monthly; minimum balance of $25.00 required to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%
Share Account (Savings)	0.20%	0.20%
Min Deposit $5 Min Balance $25 Details Dividends calculated daily and paid monthly; minimum balance of $25.00 required to earn dividends Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

North Star Community Credit Union Cherokee, IA Personal Loan Rates

Product	APR	Term	View More
Signature (Closed End) Loan	11.24%	1-180 months
Details As Low As; Secured Consumer Loans; Maximum Amount Financed: $10,000; APR includes 0.25% discount with automatic payment from North Star account Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 11.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

North Star Community Credit Union Cherokee, IA Other Rates

Product	Rate	Points	APY/APR	Term	View More
Line of Credit (Revolving)	-	-	12.24%	1-180 months
Details As Low As; Secured Consumer Loans; Maximum Amount Financed: Contact the credit union; Rate special excludes mortgages and share/CD loans Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 12.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.80%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

North Star Community Credit Union Cherokee, IA’s Texas Ratio fell from 12.04% in Q3 2023 to 3.80% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$149M	3.80%	5.0	A+
March 31, 2026	$156M	5.53%	5.0	A+
December 31, 2025	$159M	8.00%	5.0	A
September 30, 2025	$159M	10.72%	5.0	A
June 30, 2025	$162M	8.57%	5.0	A
March 31, 2025	$163M	9.38%	5.0	A
December 31, 2024	$162M	9.57%	5.0	A
September 30, 2024	$158M	9.18%	5.0	A
June 30, 2024	$153M	8.39%	5.0	A
March 31, 2024	$158M	9.36%	5.0	A
December 31, 2023	$154M	12.28%	5.0	A
September 30, 2023	$143M	12.04%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for North Star Community Credit Union Cherokee, IA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather North Star Community Credit Union Cherokee, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with North Star Community Credit Union Cherokee, IA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name North Star Community Credit Union Cherokee, IA

Website https://www.nsccu.org

Address 1207 North 2nd Street, Cherokee, IA 51012

Phone 712-225-5731

Fax 712-225-2249

President Timothy Stoneking

CEO Jeffrey Hayes

Full-Time Employees 32

Part-Time Employees 1

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.80%

Return on Assets (ROA)

-0.0092%

Return on Equity (ROE)

-0.0936%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

149,357,134

Total Amount of Shares and Deposits

133,633,904

Total Shares and Deposits < 1 Year

115,794,069

Total Shares and Deposits 1 3 Years

14,055,404

Total Shares and Deposits > 3 Years

3,784,431

Total Insured Shares and Deposits > $250K (item 17 less item K)

133,633,904

Total Interest Expense (Sum of items 6 8)

1,670,130

Share Certificates

2,050

Number of Accounts for Share Drafts

4,217

IRA KEOGH Accounts

537

Number of Accounts for Regular Shares

14,688

All other shares

276

Non Member Deposits

Money Market Shares

140

Net Income (unless the amount is already included in Undivided Earnings)

-13,740

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,102,224

Total Liabilities

134,682,776

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

North Star Community Credit Union Cherokee, IA earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/north-star-community-credit-union-rates-review-62638">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About North Star Community Credit Union Cherokee, IA

How many branches does North Star Community Credit Union Cherokee, IA operate?

North Star Community Credit Union Cherokee, IA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join North Star Community Credit Union Cherokee, IA?

Yes, to access services at North Star Community Credit Union Cherokee, IA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, North Star Community Credit Union Cherokee, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, North Star Community Credit Union Cherokee, IA provides members with tools to manage their accounts and build a solid financial history.

Does North Star Community Credit Union Cherokee, IA offer online and mobile banking?

Most modern institutions like North Star Community Credit Union Cherokee, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nsccu.org.