Online Banking

Personal Rates

Effective Annual Percentage Yields (APY) listed are as of 2/6/2018. All interest rates are subject to change without notice. Fees could reduce earnings.

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Checking Accounts

Account

Interest Rate

APY

Additional Information

Min Bal. To Obtain APY

High Yield Checking

2.50

2.53

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 2.53% - 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

Min 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 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+

1.00

1.01

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

Money Market Savings

$2,500 Minimum deposit to open

0.10

0.10

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

Tiered Money Market Plus

$100,000-$199,999

1.00

1.00

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. The first $99,999 of your balance never earns interest.

 

$200,000-$999,999

1.35

1.36

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. Accounts earn a blended rate based on the tier requirements.

 

$1,000,000-$2,000,000

1.75

1.76

Daily balance of $100,000 required to earn interest and avoid a monthly service fee of $25. Accounts earn a blended rate based on the tier requirements.

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

Certificate Of Deposit Accounts

 

 

Retirement Accounts

Account

Interest Rate

APY

Term

Min Bal. To Obtain APY

Statement Savings IRA

0.25

0.25

0

$25 Minimum deposit to open

1 Year IRA

1.00

1.02

12

$500 Minimum deposit to open

1 Year IRA StarBanking Plus

1.15

1.17

12

$500 Minimum deposit to open

13 Month IRA 

 1.50

 1.53

 13

$500 Minimum deposit to open 

15 Month IRA

1.60

1.64

15

$500 Minimum deposit to open

15 Month IRA StarBanking Plus

 1.75

 1.79

 15

$500 Minimum deposit to open 

17 Month Step-Up IRA

1.22

1.25

17

$1,000 Minimum deposit to open

19 Month IRA

1.65

1.69

19

$500 Minimum deposit to open

19 Month IRA StarBanking Plus

1.80 

 1.84

 19

$500 Minimum deposit to open 

2 Year IRA

1.11

1.13

24

$500 Minimum deposit to open

2 Year IRA StarBanking Plus

1.25

1.28

24

$500 Minimum deposit to open

27 Month IRA

1.75

1.79

27

$500 Minimum deposit to open

27 Month IRA StarBanking Plus 

1.90 

 1.95

 27

$500 Minimum deposit to open 

29 Month Step-Up IRA

1.32

1.35

29

$1,000 Minimum deposit to open

3 Year IRA

1.27

1.30

36

$500 Minimum deposit to open

3 Year IRA StarBanking Plus

1.75

1.79

36

$500 Minimum deposit to open

4 Year IRA

1.47

1.50

48

$500 Minimum deposit to open

4 Year IRA StarBanking Plus

2.00

2.05

48

$500 Minimum deposit to open

54 Month IRA

1.61

1.65

54

$500 Minimum deposit to open

54 Month IRA StarBanking Plus

1.76

1.80

54

$500 Minimum deposit to open

5 Year IRA

2.05

2.10

60

$500 Minimum deposit to open

5 Year IRA StarBanking Plus

2.40

2.47

60

$500 Minimum deposit to open

*Note: Penalties for early withdrawal may reduce earnings. All interest rates are subject to change without notice.