
At Five Star, your checking is always FREE. Plus, every account comes with a free debit card that has chip technology as well as tap to pay. These are the most secure cards available. Plus, they are issued right in the branch for you to begin using right away.
We have three checking account options. 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 a share certificate. If the balance falls below $1,500, you will incur a $10 fee.
As an added bonus, with an active checking, 10 debit/credit transactions per month, you will receive a .125% APY bump on your savings account.

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 - it's 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 or by calling 888-619-1711 option 7.
Your Free Checking | Your Fabulous 50 Checking | Your Five Star Checking | |
---|---|---|---|
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 | |
Qualifier for Account | Must be 50 years old or above | $1,500 Minimum Balance | |
Service Charge for Minimum Balance | $10 | ||
Active Checking Benefits** | .125% APY Bump for Savings | .125% APY Bump for Savings | .125% APY Bump for Savings |
Checking Accounts Benefits** | .25% APY Bump for Certificates | .25% APY Bump for Certificates | .25% APY Bump for Certificates |
* (APY) Annual Percentage Yield
** Checking account is considered active with 10 debit/credit transactions
All Five Star accounts are guaranteed up to $250,000 from the National Credit Union Administration (NCUA).
2021 Budget Worksheet - Easy to use. Download and get started saving money each month.