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Digital Banking

We have transitioned all of our customers over to a new digital experience - Five Star Bank Digital Banking. This new comprehensive financial tool allows you to do all your banking from home or on-the-go.

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CD and IRA Rates

 

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 0.10% 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 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
13 Month* 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
15 Month 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
18 Month 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
24 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
30 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
32 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
36 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
48 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
60 Month 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
*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 or Business 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 customers are not eligible. Rates are as of 7/28/2020. Cannot be combined with any other offer. Subject to cancellation without notice.

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% 0.05% 0.05% 0.05% 0.05%
6 Month 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
9 Month 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
12 Month 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
15 Month 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
18 Month 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
24 Month 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
30 Month 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
32 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
36 Month 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
48 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
60 Month 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
 


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.