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Digital Banking

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special money market offer

grow your money. guaranteed.

earn 5.00% APY* 12-month introductory rate for a Personal Money Market Accounts with $10,000 of new money. 

let's get started!

This offer is only available for personal money market account customers. For our best rates on Business Money Market accounts, click here to be connected with one of our Relationship Managers.
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Guaranteed Introductory Rate.

Our personal Money Market Account promotional rate is secured for the first 12 months (365 days) of opening your account, providing guaranteed investment growth.

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Earn interest and maintain access to your funds. A Five Star Bank Money Market Account combines the benefits of a high-yield savings account with the flexibility to manage funds with check writing and access to our online and mobile solutions via Five Star Bank Digital Banking.

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Your deposit into a Five Star Bank Money Market Account is an investment back into the Western New York community. As a community bank, we recognize the importance of helping our communities thrive. Grounded in the legacy of more than 200 years of community-oriented banking traditions, we are committed to inclusive, responsible, and environmentally sustainable growth.

here to help

Our network of more than 45 locations throughout Western and Central New York State means that we are your neighborhood bank. If you’d like to talk through your options, your local Five Star Bank team can help you with an in-person or phone consultation about the best ways to reach your financial goals.

*APY – Annual Percentage Yield. This is a variable rate account; the introductory rate will not change for the first 12 months (365 days) based on the date the account is opened, thereafter, the standard rate will apply and may change at any time. To be eligible for the Five Star Bank Standard Money Marketing account with a 12-month introductory rate, a $10,000 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required at account opening. For Standard Money Market accounts (with the new-to-Five Star Bank money requirement), the standard rate for balances $0.01 and above is 4.89%. To open the Five Star Bank Standard Money Market account with less than $10,000 of new-to-Five Star Bank money, the minimum opening deposit is $25.00, it must be opened in branch, and standard rates will apply. For Standard Money Market accounts (without the new-to-Five Star Bank money requirement), the standard rate for balances $0.01 and above is 0.05%. Rates are as of 07/24/2023. You must open the account in branch or online by 10/21/2023. You must be a U.S. resident with a physical address in NY, NJ, PA, MA, MD, or FL. Customers with previous Five Star Bank deposit accounts closed with a negative balance are not eligible. Business and Municipal customers are not eligible. Restrictions and additional fees may reduce earning. Offers subject to cancellation without notice and cannot be combined with any other offer.