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 credit union and Five Star difference.

Your individual interest rates and other terms will vary based on personal credit history, length of loan, type of item you are borrowing for, whether items is used as collateral for the (secured or unsecured) loan, etc. Credit cards and loans are subject to loan approval. Call the Five Star loan department at 888.619.1711 (Option two) for specific details.

Deposit Rates
(Effective August 1, 2017)
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 & APY’s ($500 Minimum*)

Type Annual Dividend Rate APY*
6 Months 0.45% 0.45%
12 Months 0.70% 0.70%
24 Months 0.95% 0.95%
36 Months 1.10% 1.11%
48 Months 1.25% 1.26%

*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, along with at least one of direct deposit, debit or credit card spending of at least $500, e-statements, and certain loans. Plus, have 10 checking transactions per month.

Share Certificate, IRA Certificate & Money Market Rates & APY’s ($100,000 Minimum*)

Type Annual Dividend Rate APY*
6 Months 0.95% 0.95%
12 Months 1.20% 1.21%
24 Months 1.45% 1.46%
36 Months 1.60% 1.61%
48 Months 1.80% 1.81%

*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, along with at least one of direct deposit, debit or credit card spending of at least $500, e-statements, and certain loans. Plus, have 10 checking transactions per month.

Premier Growth Money Market Rates ($2,000 minimum to open effective 5/1/2015)
Money Market accounts with less than $2,000 earn savings account base rate.

Balance Annual Dividend Rate APY*
$2,000 – $49,9999.99 0.45% 0.45%
$50,000 – $99,999.99 0.65% 0.65%
$100,000 or greater 0.75% 0.75%

*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.