Personal Savings

Five Star has a checking account to fit your life style, plus it’s always free. That’s good news because it can make your savings account even more valuable. The more you use your checking account, the higher you will see your savings grow. 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 have an active checking account, 10 debit card or credit card transactions, you get a .25% APY bump on your savings account. Watch your money grow at Five Star.

Here’s how it works:


LEVEL SAVINGS ACCOUNT APY* CHECKING ACCOUNT APY*
Star Level Savings
WITHOUT Active Checking**
0.10% 0.00%
Your Free Checking and Savings Level
Savings WITH Active Checking**
0.35% 0.00%
Your Fabulous 50 Checking and Savings Level
Savings with Active Checking**
0.35% 0.05%
Your Five Star Checking and Savings Level
Savings WITH Active Checking** If balance falls below $1,500 in month,
checking APY is .05%***
0.35% 0.25%

APY is Annual Percentage Yield. Variable rates are subject to change. Fees, if incurred, may reduce earnings.
**Active Checking means 10 or more debit/credit transactions per month.
*** If a Your Five Star Checking Account balance falls below a $1,500 monthly balance, the checking APY goes from .25% APY to .05% APY and a $10 monthly fee is applied.

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

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