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Northern Star Credit Union, Inc.

5100 George Washington Hwy, Portsmouth, VA 23702
NCUA Insured3.1 (62 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1929

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

5100 George Washington Hwy

Portsmouth, VA 23702

Service Area

This credit union is located in Portsmouth and serves members in the VA area. Currently serving 7,326 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.57%

Used Auto Loan

6.64%

Personal Loan

7.44%

Credit Card APR

13.14%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VA

Lowest rates currently reported by credit unions in VA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.1

62 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Pecan Lover

Pecan Lover

3 months ago

I am glad to be a Chartway member, and I am reminded of that every time I come here to make a deposit. This place is closer, so I occasionally come here to make deposits. The customer service compared to Chartway is practically non-existent. The man with glasses is very slow and antisocial; I can't say much about the others, as he typically services me. They were just standing around having a personal conversation in the front of the building until another customer walked in, which I find to be very unprofessional. They don't even greet you when you walk in, which is pretty awkward considering the strange door situation they have going on. I think treating your customers, members as criminals as soon as they walk in the door is undesirable and awkward, but I digress. I see why this place is always empty when I come, and my condolences to anyone who's a member of Northern Star Credit Union.

Chris Gerry

Chris Gerry

a year ago

This Credit Union is a wolf in sheep’s clothing, and should not be trusted with anyone’s money or future. READ MY FULL STORY AND SAVE YOURSELF!!! I had an auto loan through them and when COVID hit, I was put on furlough. After 6 weeks of receiving unemployment, it stopped coming in. I had no savings, or cash flow. I requested 6 times to have my loan payment extended or deferred, as per recommended by the US Government at that time; asking all banks and credit unions to allocate their customers to. I showed them my bank statements, letters from the unemployment commission, as well my furlough documents; proving there was no money to be given to them and showed them my grocery store receipts showing that I was living on ramen noodles. They denied every single request. Demanding my payments in full, while fully understanding there was no way to make payments. My car was repossessed and they stacked on an additional $3000 in legal and document fees without showing any proof of cost and/or break down, no matter how many times I requested. I was making payments for months, I was late with one payment and they took a levy payment of the full amount of 5 figures from my checking account. Like some sort of scare tactic. Overdrawing my account and not allowing me to pay my bills or feed my family since the account was horribly overdrawn. I’ve since re-arranged payments for them just to stack more unjustified fees and a criminal interest rate on top. They’re unforgiving, rude, heartless, and do not care about people and that life happens. They’re not flexible to work with people, no matter what the circumstances. I work in the automobile sales industry and every time I see a customer gets an approval from NSCU, I tell them my story and beg them to save themselves and go with someone else. It is no mystery they’ve had to shut down several locations over the years.

Richelle McKinney

Richelle McKinney

a year ago

I'm just not having a very good experience. I regret getting myself in this long term car loan. Out of every car I have ever financed, this loan has given me so much anxiety. I have begged for more convenient payment options because I am exhausted of finding shared branches to make in person payments. It wasn't until I spoke with a different rep that sent me a direct payment form. Why not this option all along? These people are playing in my face. A loan thru NSCU feels like you sold your soul and signed the dotted line in your own blood. Save yourself the anxiety of these loan styles. It will crush your soul and hurt you to your core.

Austen Jordan

Austen Jordan

3 years ago

I have been a member since 2003 and this morning i went in person to apply for an auto loan. The Loan officer Mrs. Ford was very rude, she never asked me to the back to speak in private, instead I was forced to answer all personal questions in the lobby. After feeling like the bank was looking for a reason NOT to give me a loan, i was told Nstar doesn't give auto loans for vehicles over 10yrs old!!! this bank is the worst and they are very rude. I tired of the lack of respect to the members, take down the speaker phone at the front door it not a prison!!!!! WORST BANK EVER!!!!

rex hill

rex hill

5 years ago

This credit union is unsat...Its online service has to be the worse I have ever used. I went to the store and debit was declined. They cancelled it mistakingly...Called to get issue corrected and sent to voice mail three times. No call back for a day so no use of card. You get sent to voice mail and have to leave a message with any problem you have which I find totally unsat. If I wasnt on plan with parents I would immediately leave. I highly recommend you use any other credit union you can find.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).