Personal Checking

At Five Star,  your checking will always be FREE. There are three checking account options that are built with your financial situation in mind.  If you are over 50, you can get a few perks and interest on your account. If you carry a high balance, Your Five Star Checking is the best option. With a balance of $1,500 or more, you earn .25% APY* on your account. If the balance falls below $1,500, you will incur a $10 fee. As an added bonus, with an active checking, 10 debit card or credit card transactions per month, you will receive a .25% APY bump on your savings and share certificates. That means the more that you do your business with Five Star, the quicker you will see your money grow. All Five Star accounts are guaranteed up to $250,000 from the National Credit Union Administration (NCUA).

Member Tip - Tell a friend about Five Star and you can get a $10 deposit. Pick up a Tell A Friend coupon in your local branch or refer them online. Your $10 is deposited once they open a checking account.


Opening a checking account is easy -  just $25. There is no minimum balance after that. You can open your new Five Star checking account by stopping by one of the 17 local branches. Here’s a quick way to see which checking account is best for you.

Consumer Checking

 Your Free
Your Fabulous
50 Checking
Your Five Star
FREE Debit Card
FREE Online Banking
FREE Bill Pay
FREE Mobile Banking
FREE eStatements
FREE Personalized Standard Checks
Account Charge$0$0$0
Automatic Payments
Minimum to Open$25$25$25
Minimum Balance for Interest.05% APY* Interest on all balances$1,500 for .25% APY* Interest -.05% APY if balance falls below $1,500**
Qualifier for AccountMust be 50 years old or above$1,500 Minimum Balance
Service Charge for Minimum Balance$10
Active Checking Benefits***.25% APY Bump for Savings and Certificates.25% APY Bump for Savings and Certificates.25% APY Bump for Savings and Certificates

* (APY) Annual Percentage Yield
**APY Interest is .05% APY if balance falls below $1,500 minimum and a $10 service charge will be applied
*** Checking account is considered active with 10 debit/credit transactions