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Great Service! Rate Changes On Mar 17, 2011

Posted by: TwinsDad | Feb 12, 2011

I've banked with them for 6 months - great rates and service. Received a notice yesterday announcing the following changes effective Mar 17, 2011:

- Rate will be increased from 3.51% APY to 4.01% APY

- High interest rate balance cap will be lowered from 50k to 30k and rate above the cap will decrease from 1.01% APY TO 0.5% APY

- Velocity Saver a new Savings Product that will earn 1.5% APY upto 20K when the Checking qualifications are met.

Overall still a better rate and service with the above changes.

Rate & Balance Cap are going down on Oct 18th 2012

Posted by: TwinsDad | Sep 11, 2012

Hey ya'll,

Got a letter form Northstar Bank today stating the following changes effective Oct 18, 2012:

Highest interest rate will drop to 2.02%  (down from 2.25%)

Balance cap to earn the highest rate will drop to $10,000 (down from $20,000)
Hope this helps!

Lowered Rates Twice In Eight Months

Posted by: twinbee | Feb 21, 2012

Just got a letter in the mail saying that starting March 22, 2011 the max deposit for interest in velocity checking will be lowered from $30k to $20k, and the rate will be lowered from 3.01% APY to 2.25% APY.

Given the general uncertainty in the banking sector right now due to the debt crisis in Europe, it is understandable that they might change their rate. However I got hit with a rate change a few days after I opened my account, so I am considering other banks that offer a better deal on rewards checking.

Other than this flux, the customer service has been great.


Posted by: PaulD | Oct 15, 2015

I became an account holder at Northstar Bank through no choice of my own; I had relied on Community Bank and their wonderful staff at Ridge Road since the day that back opened. I am appalled at the changes Northstar has made, and the lack of concern for the customer they show.

I travel internationally continually - often at the last moment - and I had a debit card I could use wherever I went. Now the PTB expect me to cal them before I travel - obviously impossible on a weekend or holiday, because they don' answer the phone - and tell them where I will be, and how long I will be there. Because many of my rips are into deep SE Asia, there is no way for me to call (and the 12 hour time difference makes it difficult when I can),

Other changes - I no longer get reimbursed for other bank ATM fees, for instance - are just a way for this bank to tell me I am not a valued customer. Many of my friends have discovered the same attitude, and are jumping ship.

I will be doing the same.



Health Grade Components

FDIC Certificate #11561
Year Established1919
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD7.51%
Annual Interest Income$60.5MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.71B$1.75B
LoansQ4 2015vs Q4 2014$973.1MM$1.08B
DepositsQ4 2015vs Q4 2014$1.44B$1.46B
Equity CapitalQ4 2015vs Q4 2014$241.7MM$257.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$9.1MM$8.2MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$7.2MM$6.0MM
Real Estate OwnedQ4 2015vs Q4 2014$1.9MM$2.8MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NORTHSTAR BANK of Texas Savings Account Rates

0.10%$100-Star Savings
0.10%$25-Custodial (UTMA) Account

NORTHSTAR BANK of Texas Checking Account Rates

0.75%*-$10kReward Checking
OTHER TIERS: 0.15% $10k+
0.40%*-$10kReward Plus
OTHER TIERS: 0.15% $10k+

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