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Online Banking

CD and IRA Rates

Ad - 8-month and 13-month CD Specials*. Must have Premier Checking. See disclaimer for details.
*APY – Annual Percentage Yield. For CDs or IRAs up to $250,000. A $500 minimum deposit is required to open a Five Star Bank CD or IRA. Requires customer to have a Premier Checking Account. To be eligible for this special, at least 50% of the total CD dollar value and at least 50% of the total IRA contribution, subject to limits prescribed by the Internal Revenue Service (IRS), must be funded with money not currently on deposit with Five Star Bank. A penalty may be imposed for early withdrawal. Municipal and Business customers are not eligible. Rates are as of 08/05/19. Cannot be combined with any other offer. Subject to cancellation without notice.

Fixed Rate CD & IRA - Premier Rates1

Must be a Premier Checking Account holder to be eligible for the rates below
Balances $500.00 to $2,499.99 $2,500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $250,000.002
Term
Interest Rate APY INTEREST Rate APY Interest Rate APY Interest Rate APY
3 Month 0.10% 0.10% 0.10% 0.10% 0.15% 0.15% 0.15% 0.15%
6 Month 0.15% 0.15% 0.15% 0.15% 0.25% 0.25% 0.25% 0.25%
9 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
12 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
15 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
18 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
24 Month 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
30 Month 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
32 Month 0.55% 0.55% 0.55% 0.55% 0.55% 0.55% 0.55% 0.55%
36 Month 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80% 0.80%
48 Month 1.19% 1.20% 1.19% 1.20% 1.19% 1.20% 1.19% 1.20%
60 Month 1.59% 1.60% 1.59% 1.60% 1.59% 1.60% 1.59% 1.60%


Fixed Rate CD & IRA - Standard Rates1

Balances $500.00 to $2,499.99 $2,500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $250,000.002
Term
Interest Rate APY INTEREST Rate APY Interest Rate APY Interest Rate APY
3 Month 0.05% 0.05% 0.05% 0.05% 0.10% 0.10% 0.10% 0.10%
6 Month 0.10% 0.10% 0.10% 0.10% 0.20% 0.20% 0.20% 0.20%
9 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
12 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
15 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
18 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
24 Month 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45%
30 Month 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45%
32 Month 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
36 Month 0.75% 0.75% 0.75% 0.75% 0.75% 0.75% 0.75% 0.75%
48 Month 1.14% 1.15% 1.14% 1.15% 1.14% 1.15% 1.14% 1.15%
60 Month 1.54% 1.55% 1.54% 1.55% 1.54% 1.55% 1.54% 1.55%
 


Variable Rate IRA - Premier Rates1,3

Must be a Premier Checking Account holder to be eligible for the rates below
Balances $500.00 to $2,499.99 $2,500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $250,000.002
Term
Interest RATE APY INTEREST RATE APY Interest RATE APY Interest Rate APY
18 Month 0.10% 0.10% 0.15% 0.15% 0.20% 0.20% 0.25% 0.25%


Variable Rate IRA - Standard Rates1,3

Standard rates for non-Premier Checking Account holders
Balance $500.00 to $2,499.99 $2,500.00 to $9,999.99
$10,000.00 to $24,999.99
$25,000.00 to $250,000.002
Term
Interest Rate APY INTEREST Rate APY Interest RAte APY Interest RAte APY
18 Month 0.05% 0.05% 0.10% 0.10% 0.15% 0.15% 0.20% 0.20%



1All interest rates and Annual Percentage Yield (APY) stated above are accurate as of today's date. All CDs and IRAs are compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. See account disclosure for additional information.
2For balances over $250,000, please contact your local branch.
3Rate is variable and is subject to change without notice.