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Digital Banking

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cd and ira rates

CD Specials* 13-month at 2.50% APY, 20-month at 2.00% APY Must have Premier or Buisness Checking

*APY- Annual Percentage Yield. For CDs or IRAs up to $250,000.00. A $1,000 minimum deposit of funds not already on deposit is required to open a Five Star Bank Special CD or IRA. A penalty may be imposed for early withdrawal. Must have Premier or Business Checking. Municipal customers are not eligible. Rates are as of 07/25/2022. Cannot be combined with any other offer. Subject to cancellation without notice.

Fixed Rate CD & IRA - Premier Rates1

Must be a Premier or Business 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 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
6 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
9 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
12 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
13 Month 2.47% 2.50% 2.47% 2.50% 2.47% 2.50% 2.47% 2.50%
15 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
18 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
20 Month 1.98% 2.00% 1.98% 2.00% 1.98% 2.00% 1.98% 2.00%
24 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
30 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
32 Month 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45%
36 Month 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45% 0.45%
48 Month 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%
60 Month 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%

Special Rates for Five Star Bank Consumer Checking Customers3

For Five Star Bank Plus, Traditional and Progress Checking account holders. A $1,000 minimum deposit of funds not already on deposit is required to to be eligible for the rates below. Municipal and Commercial customers are not eligible.
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
13 Month 2.23% 2.25% 2.23% 2.25% 2.23% 2.25% 2.23% 2.25%
20 Month 1.73% 1.75% 1.73% 1.75% 1.73% 1.75% 1.73% 1.75%

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 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
6 Month 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
9 Month 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
12 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
15 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
18 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
24 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
30 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
32 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
36 Month 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%
48 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%
60 Month 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40% 0.40%



Variable Rate IRA - Premier Rates1,4

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 Rates1,4

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.
3For CDs or IRAs up to $250,000.00. A $1,000 minimum deposit of funds not already on deposit with Five Star Bank is required to open a Five Star Bank Special CD or IRA. A penalty may be imposed for early withdrawal. Must have Consumer Checking. Municipal and Commercial customers are not eligible. Rates are as of 07/25/2022. Cannot be combined with any other offer. Subject to cancellation without notice.
4Rate is variable and is subject to change without notice.

Stop in to your local branch today

to take advantage of our CD specials.