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FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Digital Banking

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Regional Offers

5-month CD Special

4.05% Annual Percentage Yield
Requires at least $15,000 of new-to-Five Star Bank money
Offer only available at select Five Star Bank locations*

How do I open?

Open your account in-branch at any of the following Five Star Bank locations:

Why choose a CD with Five Star Bank?

For more than 200 years, Five Star Bank has been a steady, trusted presence for our customers and the communities we call home. Together with more than 600 associates, we remain focused on helping customers reach their goals, expanding access, strengthening local economies, and connecting people and organizations to trusted resources that address our communities’ most pressing needs.
 

At least $15,000.00 of new-to-Five Star Bank money (must not previously have been on deposit with Five Star Bank in the past 90 days) is required for the Five Star Bank 5-month CD Special. For CDs up to $250,000.00, the minimum opening deposit requirement is $15,000.00. For CDs over $250,000.00, the minimum opening deposit requirement is $250,000.01. A penalty may be imposed for early withdrawal. Municipal customers are not eligible. Rates are as of 12/17/2025. Cannot be combined with any other offer. Subject to cancellation without notice. 

*Offer available at select Five Star Bank locations. This CD special must be opened at one of the following Rochester-area Five Star Bank branches: Brighton, Chili Center, City Gate, Five Star Bank Plaza - Chestnut Street, Greece, Henrietta, and Honeoye Falls, or one of the following Buffalo-area Five Star Bank branches: Elmwood Crossing, Fountain Plaza, and Seneca Street.

Want an account that offers flexibility?

You got it! Explore our personal checking account options.