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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!

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.

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.

Big Fees For Everything; Sketchy Customer Service

Posted by: maddoxlc | May 29, 2016

Have had to wait a lot to speak to someone at the bank. Big fees to withdraw a CD, either to do an electronic transfer or get a cashier's check. Periodic issues to access online account (system not available, etc.). Not worth the marginal rates.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #11561
Year Established1919
Employees365
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD7.87%
Annual Interest Income$30.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.65B$1.68B
LoansQ2 2016vs Q2 2015$1.04B$1.00B
DepositsQ2 2016vs Q2 2015$1.35B$1.39B
Equity CapitalQ2 2016vs Q2 2015$250.5MM$262.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$9.7MM$9.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$5.1MM$7.5MM
Real Estate OwnedQ2 2016vs Q2 2015$1.5MM$1.5MM
Rates
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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 (TX) Savings Account Rates

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

Northstar Bank (TX) Checking Account Rates

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

Northstar Bank (TX) has 25 locations. Click to view all Northstar Bank (TX) locations.