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cd and ira rates

AD - 8 or 13 month CDs at 5.00%* APY. Must have Consumer or Business Checking.

*APY- Annual Percentage Yield. For CDs or IRAs up to $250,000.00. A $500 minimum deposit is required to open a Five Star Bank Special CD or IRA. A penalty may be imposed for early withdrawal. Must have Consumer or Business Checking. Municipal customers are not eligible. Rates are as of 05/22/2023. Cannot be combined with any other offer. Subject to cancellation without notice.

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Fixed Rate CD & IRA - Premier Rates1

Must be a Five Star Bank 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%
8 Month 4.88% 5.00% 4.88% 5.00% 4.88% 5.00% 4.88% 5.00%
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 4.88% 5.00% 4.88% 5.00% 4.88% 5.00% 4.88% 5.00%
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%
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 Customers1

Must be a Five Star Bank Plus, Traditional, or Progress Checking Account holder to be eligible for 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
8 Month 4.88% 5.00% 4.88% 5.00% 4.88% 5.00% 4.88% 5.00%
13 Month 4.88% 5.00% 4.88% 5.00% 4.88% 5.00% 4.88% 5.00%

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 Rates1,3

Must be a Five Star Bank 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

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 05/22/2023. 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. Municipal and Commercial customers are not eligible. See account disclosure for additional information. Cannot be combined with any other offer.  Subject to cancellation without notice.
2For balances over $250,000, please contact your local branch.
3Rate is variable and is subject to change without notice.

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to take advantage of our CD specials.