CDs & IRAs

Commonly known as a CD, a Certificate of Deposit is a safe way to empower your money and maximize your return. Star Choice Credit Union offers tiered certificates, so the higher your initial deposit the higher the dividend rate. 
Investors CD 
  • Low-Risk Investment that Offers a Fixed Rate
  • Terms Ranging from 6-60 Months
  • $500 Minimum to Open
  • Tiered Dividend Rates 2
  • Apply Online
Build It! CD
  • Low-Risk Investment with Direct Deposit and a Higher Interest Rate
  • 12 Month Term
  • $25 Minimum to Open1
  • Tiered Dividend Rates 2
  • Apply Online
Individual Retirement Account (IRA) CD
  • Low-Risk Investment tied to an IRA Account
  • Terms Ranging from 6 - 60 Months
  • $500 Minimum to Open
  • Tiered Dividend Rates 2
  • Apply Online
Business CD
  • Low-Risk Investment with a Fixed Rate for Business Accounts
  • Terms ranging from 6 - 60 Months
  • $500 Minimum to Open
  • Tiered Dividend Rates 2
  • Apply Online
9 Month CD Special3
  • Rate: 5.05% APY
  • Terms 9 Months
  • $20,000 Minimum to Open
  • $500,000 Maximum
  • New Deposits Only
  • Apply Online




1. To open a Build it! CD, the account requires direct deposit of at least $40 a month; maximum of $1,000. Maximum opening balance is $10,000. IRA CDs are not eligible for this product. If direct deposit is stopped for more than one month and the balance of the Build it! CD is less than $500, account will be closed and funds will be transferred to the prime share savings account and will earn the associated dividend rate. If direct deposit is stopped for more than one month and the balance of the account is at least $500, the dividend rate earned for the remaining term will be equal to the standard 12-month certificate rate at that time. Regular 12-month penalties of 90 days interest apply.

2. Certificates with terms of six months or less pay dividends at maturity. Dividends on certificates with terms of six months or more are earned from date of deposit.

3. Limited time offer. New deposits only. Required minimum deposit $20,000 and the maximum is $500,000. Rate only applies to the 9 month certificate of deposit. Projected dividend rate is 4.94% and dividends will be paid monthly. Penalty applies for early withdrawal. Rate effective as of June 7, 2023 and subject to change. Must live, work, worship, volunteer or go to school in Hennepin or Scott County to qualify for membership. Membership with a $10 share account required.