Navigating Today. Securing Tomorrow.

Committed to you.

2025 has been a dynamic year so far and it’s no surprise that uncertainty around the economy, evolving federal policies, and geopolitical trends can make managing one’s personal finances and planning for the future all the more complex and challenging. At Five Star Bank, we understand these challenges because we face them too. We’re not just your bank — we’re your partner, your neighbor, and your advocate. Our commitment is to walk beside you and provide the support you need to move forward with confidence.

Simplifying the Complex

Financial education is critical to financial resilience, but it can be challenging to stay up-to-date on evolving and complex national and economic issues. That’s why we aim to share relevant news and information on a regular basis, to help you drill down into what matters most for you and, ultimately, support your long-term financial security. Here are two examples:

Making Sense of the New Tax Bill:

Financial Education Tailored for You: 

Practical Solutions That Make a Difference

Everyone’s financial path is unique. That’s why our team takes the time to listen and build solutions around your individual goals and circumstances. Whether you're saving for a first home, managing existing debt, or preparing for retirement, we’re ready to help with services that are both personal and practical. In uncertain times, having access to the right tools makes all the difference. So, we developed a suite of resources to help you stay organized, prepared, and empowered. Here are just a few options:

CDS:

Economists generally expect at least two cuts to the Federal Funds Rate this year, meaning that interest rates on both loans and deposit products may go down in the not too distant future. CDs, or Certificates of Deposit, allow you to lock-in today’s interest rate for your deposits for a specific period of time, in order to make your money work harder for your future.  

Savings and Money Market Accounts: 

Regardless of the interest rate environment we’re operating in, we aim to provide you with products that help you save and make your money go further. Our Savings and Money Market Accounts allow you to earn interest on the money you deposit with interest rates varying by account type and total account balances. All these options are designed to help you build a financial cushion for unexpected expenses or long-term goals.

Home Equity Loans & Lines of Credit:

While you may be familiar with a Home Equity Loan, you may not be as familiar with Five Star Bank’s Home Equity Line of Credit, or HELOC. A HELOC allows you to borrow money using the equity in your home. It works somewhat like a credit card - you can take out what you need when you need it and only pay interest on the amount you use. It may be a smart option for things like home repairs, tuition, or unexpected costs. You can learn more about Home Equity Loans and HELOCs here.  

Here for You — Now and Always

At Five Star Bank, our mission goes beyond banking. It’s about building relationships, earning trust, and being a source of stability to those we serve in communities across Western and Central New York. With over 600 dedicated local associates, we’re committed to helping you navigate uncertainty and challenges you may face today, to ensure you are positioned for prosperity tomorrow.