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Personal Rates

Effective Annual Percentage Yields (APY) listed are as of 11/08/2019. All interest rates are subject to change without notice.

Personal Checking Accounts

ACCOUNTS INTEREST RATE APY ADDITIONAL INFORMATION MIN BAL. TO OBTAIN APY
HIGH YIELD CHECKING 2.71 2.75 On balances up to 25,000, if account qualifies. Balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 2.75% - 0.25% APY depending on the balance. Non-qualifying accounts receive 0.05% APY. Initial deposit of $50 required to open account. Balances up to $25,000
STAR BANKING PLUS CHECKING 0.25 0.25 Combined balance of $20,000+ (seniors 55 and over must have $10,000+) in Star Checking Account and any savings account. Monthly direct deposit required. $20,000 combined in required accounts ($10,000 for seniors 55+)
N.O.W. CHECKING 0.10 0.10 $5 monthly fee if balance goes below $100 $100 Minimum balance

Savings Accounts

Account Interest Rate

APY

Bal. To Obtain APY
Savings (Statement)

0.10

0.10

$100 Minimum deposit to open

Holiday Club

0.10

0.10

$5.00 Minimum Balance

Kid's Club Account

0.50

0.50

$10 Minimum deposit to open

Money Market Accounts

Account Min Bal. To Obtain APY Interest Rate APY Additional Information
Money Market

$2,500 Minimum deposit to open

0.10

0.10

Rate of 0.05% if balance drops below $2,500

Money Market Advantage

$0.01-$10,000

0.10

0.10

New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.

 

$10,000.01+

1.50

1.51

New Money ONLY. $100 Minimum deposit to open account. $1 Minimum balance to keep account open.

Tiered Money Market

$2,500-$9,999

0.05

0.05

Balances below $2,500 earn no interest

 

$10,000-$24,999

0.10

0.10

Rate lower if balance drops below $10,000

 

$25,000-$49,999

0.25

0.25

Rate lower if balance drops below $25,000

 

$50,000+

0.25

0.25

Rate lower if balance drops below $50,000

The Annual Percentage Yields (APYs) are effective 11/08/2019 and are subject to change without notice.

Tiered Money Market Plus

Tier Dollar tiers Interest Rate Interest Earned Annually for Each Tier Total Interest Earned Annually Annual Percentage Yield (APY)
Tier 1

$0.01 - $99,999.99

0.00% $0.00 $0.00 0.00%
Tier 2 $100,000.00 - $199,999.99 1.10% $0.01 - $1,100.01 $0.01 - $1,100.01 0.00% - 0.55%
Tier 3 $200,000.00 - $999,999.99 1.50% $1,100.01 - $12,000.00 $1,100.01 - $13,100.01 0.55% - 1.31%
Tier 4 $1,000,000.00 - $5,000,000.00 2.00% up to $80,000.00 up to $93,100.01 1.86%

The Annual Percentage Yields (APYs) are effective 11/08/2019 and are subject to change without notice.

Certificates of Deposit

Account Interest Rate APY Months Min Bal. To Obtain APY
30 Day CD 0.05 0.05 1 $25,000 Minimum deposit to open
91 Day CD 0.15 0.15 3 $1,000 Minimum deposit to open
6 Month CD 0.65 0.66 6 $1,000 Minimum deposit to open
7 Month CD 1.86 1.90 7 $1,000 Minimum deposit to open
1 Year CD 1.47 1.50 12 $500 Minimum deposit to open
1 Year CD StarBanking Plus 1.61 1.65 12 $500 Minimum deposit to open
2 Year CD 1.50 1.53 24 $500 Minimum deposit to open
2 Year CD StarBanking Plus 1.65 1.69 24 $500 Minimum deposit to open
3 Year CD 1.61 1.65 36 $500 Minimum deposit to open
3 Year CD StarBanking Plus 1.76 1.80 36 $500 Minimum deposit to open
4 Year CD 1.61 1.65 48 $500 Minimum deposit to open
4 Year CD StarBanking Plus 1.76 1.80 48 $500 Minimum deposit to open
5 Year CD 1.61 1.65 60 $500 Minimum deposit to open
5 Year CD StarBanking Plus 1.76 1.80 60 $500 Minimum deposit to open

*Note: Effective Annual Percentage Yields (APY) listed are as of 11/08/2019. All interest rates are subject to change without notice. Must have a Star Banking checking account to qualify for StarBanking Plus CDs.

Retirement Accounts

Account Interest Rate APY Months Min Bal. To Obtain APY

Statement Savings IRA

0.25

0.25

0

$25 Minimum deposit to open

7 Month IRA

1.86

1.90

7

$1000 Minimum deposit to open

1 Year IRA

1.47

1.50

12

$500 Minimum deposit to open

1 Year IRA StarBanking Plus

1.61

1.65

12

$500 Minimum deposit to open

2 Year IRA

1.50

1.53

24

$500 Minimum deposit to open

2 Year IRA StarBanking Plus

1.65

1.69

24

$500 Minimum deposit to open

3 Year IRA

1.61

1.65

36

$500 Minimum deposit to open

3 Year IRA StarBanking Plus

1.76

1.80

36

$500 Minimum deposit to open

4 Year IRA

1.61

1.65

48

$500 Minimum deposit to open

4 Year IRA StarBanking Plus

1.76

1.80

48

$500 Minimum deposit to open

5 Year IRA

1.61

1.65

60

$500 Minimum deposit to open

5 Year IRA StarBanking Plus

1.76

1.80

60

$500 Minimum deposit to open

*Note: Penalties for early withdrawal may reduce earnings. All interest rates are subject to change without notice. Must have a Star Banking checking account to qualify for StarBanking Plus IRAs.

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