Deposit Rates

Five Star is a not-for-profit financial institution which means that earnings are returned to our members in the form of lower rates, reduced fees, and other benefits. That’s the Five Star difference.

To get started, stop by your local branch or call the Five Star Member Care Center at 888.619.1711 (Option seven) for specific details.

Deposit Rates
(Effective August 1, 2019)
Savings, Checking, IRA & Club Accounts

Type Annual Dividend Rate APY*
Savings (Share) Account See Savings Account Rates  
Checking Account See Checking Account Rates  
Club Accounts (Vacation, Christmas; etc.) 0.35% 0.35%
IRA Savings (Non-Certificate) 0.50% 0.50%

*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.
Youth (Rising Star) accounts have a special rate. See Youth Accounts under “Products and Services” for more information.

Share Certificate, IRA Certificate & Money Market Rates & APYs ($500 Minimum*)

Type Annual Dividend Rate APY*
6 Months 1.55% 1.56%
12 Months 2.00% 2.02%
24 Months 2.10% 2.12%
36 Months 2.15% 2.17%
48 Months 2.20% 2.22%

*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.

In addition to the rates shown above, a 0.25% APY bump rate is available on certificates at the end of each month a member qualifies as a Five Star level checking account member. To become a Five Star level member, you will need a checking and savings account with at least 10 transactions per month, along with at one of the following: direct deposit, debit or credit card spending of at least $500, e-statements, and certain types of loans.

[Share Certificate, IRA Certificate & Money Market Rates & APYs ($100,000 Minimum*)]

Type Annual Dividend Rate APY*
6 Months 1.55% 1.56%
12 Months 2.00% 2.02%
24 Months 2.10% 2.12%
36 Months 2.15% 2.17%
48 Months 2.20% 2.22%

*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.

In addition to the rates shown above, a 0.25% APY bump rate is available on certificates at the end of each month a member qualifies as a Five Star level checking account member. To become a Five Star level member, you will need a checking and savings account with at least 10 transactions per month, along with at one of the following: direct deposit, debit or credit card spending of at least $500, e-statements, and certain types of loans.

Premier Growth Money Market Rates ($2,000 minimum to open effective 7/1/2019)
Money Market accounts with less than $2,000 earn savings account base rate.

Balance Annual Dividend Rate APY*
$2,000 – $49,9999.99 0.60% 0.60%
$50,000 – $99,999.99 0.80% 0.80%
$100,000 or greater 1.05% 1.06%

*APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.

All rates are subject to change and subject to other applicable terms and conditions.