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North Star is here to help you take control of your finances and future. We offer Traditional, Roth and Coverdell IRA Savings Accounts and Certificates, along with Health Savings Accounts, as financial planning options for you.  

IRA Savings 

An Individual Retirement Account (IRA) can help you with your financial goals. Whether planning for the future and thinking of your retirement, or planning or your child’s education; an IRA may be the perfect financial planning solution for you.

  • Traditional, Roth and Coverdell IRA accounts available
  • Risk-Free Investment
  • Dividends paid quarterly
  • Certificates (fixed-term investments) and savings accounts available

Contact a Financial Services Officer today to establish your IRA account.

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Health Savings Account

North Star offers Health Savings Accounts (HSA) as an option for members that carry a high deductible insurance plan. Contributions are tax deductible and earnings are tax deferred.

  • No monthly fees
  • Free North Star debit card for your HSA eligible transactions
  • Dividends paid quarterly

Open Account

Traditional vs. Roth IRAs

Traditional IRA 

  • Contributions may be tax deductible
  • Earnings are not taxed until they’re withdrawn

Roth IRA

  • Contributions taxed at date of contribution rather than when withdrawn
  • Qualified distributions (including earnings) may be tax-free
  • Not subject to the Required Minimum Distribution (RMD) rules 
  • Participants can continue to make contributions after age 72



*APY = Annual Percentage Yield. Variable Rate Account. Rate may change after account opening.