Personal Savings

Just like the Five Star free checking account, there is only one savings account to choose from, and it’s a great option for everyone. It is also insured by the NCUA up to $250,000.

The Five Star Share Account is a high-yield savings account that empowers you to save for the future. You can open an account with an initial $5 deposit and a $5 minimum monthly balance. This account earns dividends too. When you use a free checking account along with your savings account, you can boost your dividends even higher!

Here’s how it works:

Star Level
WITHOUT Active Checking**
0.10% 0.00%
Bright Star Level
Savings WITH Active Checking**
0.15% 0.05%
Five Star Level
Savings with Active Checking**
and 1, 2, 3 or 4 qualifying services
0.35%(1), 0.60%(2),
0.85%(3) 1.11%(4) 0.25%

Below are the four additional qualifying services that can be earned and added (bump rates) each month to your savings account in addition to the savings “base rate.” Active checking (10 or more transactions each month) is required.

Sign up and receive e-Statements instead of mailed ones 0.25% additional N/A
$500+ in purchases using Five Star Debit and/or Credit Card during month 0.25% additional N/A
Direct Deposit or retirement income to checking 0.25% additional N/A
Have active and current loan*** $1,000+  with FSCU 0.25% additional N/A
Maximum Prospective Savings APY (includes 0.10% APY base rate) 1.11% N/A

APY is Annual Percentage Yield. Variable rates are subject to change. Fees, if incurred, may reduce earnings.
**Active Checking means 10 or more Checking transactions per month.
*** Loan must be current (not past due) and balance must be more than $1,000. Share and certificate secured loans and most mortgages of 12+ years are excluded.

TIP: Credit card balances also count as a loan if more than $1,000 at month end. Credit card payments are due on the 2nd of each month and can be paid electronically (via transfer or bill pay) thru your FSCU online banking account.

Transactions include deposits, withdrawals (including via ATM, checks that clear, debit card use, or cash) and transfers. Click here for full Truth in Savings disclosure (

Five Star level checking members also qualify for monthly 0.25% APY bump rates on certificate accounts. Ask a member representative for more details.