What are the current interest rates at 5Star Bank?

Current rates for 5Star Bank include: 12-Month CD: 2.75%, 18-Month CD: 2.80%, 24-Month CD: 2.60%, 36-Month CD: 2.35%, 48-Month CD: 2.25%, 60-Month CD: 2.25%, Savings: 0.75%, MMA: 2.25%

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5Star Bank Rates & Review November 2026

Q: What CD terms does 5Star Bank offer?

5Star Bank CD rates are 2.60% APY for a 6 month CD, 2.75% APY for a 12 month CD, 2.80% APY for an 18 month CD, 2.60% APY for a 2 year CD, 2.35% APY for a 3 year CD, 2.25% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with 5Star Bank for its full lineup.

Q: How many branches does 5Star Bank operate?

5Star Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, 5Star Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

5Star Bank's 6-Month CD rates are at 2.60%, 60-Month Variable IRA rates are at 5.11%, 36-Month Variable IRA rates are at 4.96%, 24-Month Variable IRA rates are at 4.86%, 18-Month CD/IRA rates are at 2.80%. 5Star Bank's savings rates are at 0.75%. 5Star Bank's money market rates are at 2.25%. 5Star Bank's checking rates are as high as 1.50%. 5Star Bank's top CD rate of 2.80% APY on an 18 month CD is 5% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of 5Star Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.98%. Rates last updated and verified on 11/06/2026.

5Star Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 5Star Bank? Share your experience about 5Star Bank by leaving a review below, or read customer reviews before you decide to use 5Star Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

5Star Bank

104 S Cascade Ave
Colorado Springs, CO 80903

https://www.5star.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

5Star Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
60-Month Variable IRA	4.99%	5.11%	60 Month	$250
Min Deposit $250 Min Balance $250 Details Variable IRA rates subject to change monthly Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 4.57% → 5.11% ▲ 0.54 pts · high 5.11% / low 4.57% Oct 11, 20265.11%▲ from 4.57% Sep 14, 20264.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
36-Month Variable IRA	4.85%	4.96%	36 Month	$250
Min Deposit $250 Min Balance $250 Details Variable IRA rates subject to change monthly Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 4.44% → 4.96% ▲ 0.52 pts · high 4.96% / low 4.44% Oct 11, 20264.96%▲ from 4.44% Sep 14, 20264.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
24-Month Variable IRA	4.75%	4.86%	24 Month	$250
Min Deposit $250 Min Balance $250 Details Variable IRA rates subject to change monthly Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.86% ▲ 0.47 pts · high 4.86% / low 4.39% Oct 11, 20264.86%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
18-Month CD/IRA	2.76%	2.80%	18 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 2.80% ▲ 0.35 pts · high 2.80% / low 2.45% Oct 22, 20262.80%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
1-Year CD/IRA	2.71%	2.75%	1 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.55% → 2.75% ▲ 0.20 pts · high 2.75% / low 2.55% Oct 22, 20262.75%▲ from 2.55% Sep 14, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
2-Year CD/IRA	2.57%	2.60%	2 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 2.60% ▲ 0.40 pts · high 2.60% / low 2.20% Oct 22, 20262.60%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
6-Month CD	2.57%	2.60%	6 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 2.60% ▲ 0.15 pts · high 2.60% / low 2.45% Oct 22, 20262.60%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
6-Month CD	2.57%	2.60%	6 Month	$1,000
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.45% → 2.60% ▲ 0.15 pts · high 2.60% / low 2.45% Oct 22, 20262.60%▲ from 2.45% Sep 14, 20262.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
30-Month CD/IRA	2.52%	2.55%	30 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.10% → 2.55% ▲ 0.45 pts · high 2.55% / low 2.10% Oct 22, 20262.55%▲ from 2.10% Sep 14, 20262.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
3-Year CD/IRA	2.325%	2.35%	3 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.35% ▲ 0.35 pts · high 2.35% / low 2.00% Oct 22, 20262.35%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
4-Year CD/IRA	2.23%	2.25%	4 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 22, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
5-Year CD/IRA	2.23%	2.25%	5 Year	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 22, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%

5Star Bank Savings Rates

Product	Rate	APY	View More
Basic Savings	0.75%	0.75%
Min Balance $0 Details Balance: $0 + Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.75% ▲ 0.15 pts · high 0.75% / low 0.60% Oct 22, 20260.75%▲ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%

5Star Bank Money Market Rates

Product	Rate	APY
Money Market	2.23%	2.25%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 and over; Minimum Balance to Receive Quoted APY: $1,000,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 22, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	1.69%	1.70%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Minimum Balance to Receive Quoted APY: $500,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.70% ▲ 0.20 pts · high 1.70% / low 1.50% Oct 22, 20261.70%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	1.49%	1.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Minimum Balance to Receive Quoted APY: $250,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.50% ▲ 0.20 pts · high 1.50% / low 1.30% Oct 22, 20261.50%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	1.34%	1.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Minimum Balance to Receive Quoted APY: $100,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.35% ▲ 0.20 pts · high 1.35% / low 1.15% Oct 22, 20261.35%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	1.09%	1.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Balance to Receive Quoted APY: $50,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 22, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; Minimum Balance to Receive Quoted APY: $25,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.70% → 0.85% ▲ 0.15 pts · high 0.85% / low 0.70% Oct 22, 20260.85%▲ from 0.70% Sep 14, 20260.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	0.70%	0.70%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; Minimum Balance to Receive Quoted APY: $10,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.60% → 0.70% ▲ 0.10 pts · high 0.70% / low 0.60% Oct 22, 20260.70%▲ from 0.60% Sep 14, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum Balance to Receive Quoted APY: $1,000; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.50% ▲ 0.10 pts · high 0.50% / low 0.40% Oct 22, 20260.50%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%

5Star Bank Checking Rates

Product	Rate	APY
5Star Checking	1.49%	1.50%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000+; Minimum Balance to Receive Quoted APY: $1,000,000; Minimum Balance to Avoid Service Charge: $1,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00% Oct 22, 20261.50%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
5Star Checking	0.80%	0.80%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000-$999,999; Minimum Balance to Receive Quoted APY: $500,000; Minimum Balance to Avoid Service Charge: $1,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.80% ▲ 0.15 pts · high 0.80% / low 0.65% Oct 22, 20260.80%▲ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
5Star Checking	0.50%	0.50%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000-$499,000; Minimum Balance to Receive Quoted APY: $1,000; Minimum Balance to Avoid Service Charge: $1,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.50% ▲ 0.15 pts · high 0.50% / low 0.35% Oct 22, 20260.50%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
5Star Checking	0.00%	0.00%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $1,000; Minimum Balance to Receive Quoted APY: $0.01; Minimum Balance to Avoid Service Charge: $1,000.00 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.50% ▲ 0.15 pts · high 0.50% / low 0.35% Oct 22, 20260.50%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%

5Star Bank Other Rates

Product	Rate	Points	APY/APR
Money Market	-	-	1.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Oct 22, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	-	-	1.35%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.35% ▲ 0.20 pts · high 1.35% / low 1.15% Oct 22, 20261.35%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	-	-	1.50%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 - $499,999; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.30% → 1.50% ▲ 0.20 pts · high 1.50% / low 1.30% Oct 22, 20261.50%▲ from 1.30% Sep 14, 20261.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	-	-	1.70%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.50% → 1.70% ▲ 0.20 pts · high 1.70% / low 1.50% Oct 22, 20261.70%▲ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%
Money Market	-	-	2.25%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000 and over; Minimum Balance to Avoid Service Charge: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 22, 20262.25%▲ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.98%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

5Star Bank’s Texas Ratio rose from 0.13% in Q3 2023 to 2.98% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$378M	2.98%	5.0	A+
March 31, 2026	$389M	5.57%	5.0	A+
December 31, 2025	$377M	9.32%	5.0	A
September 30, 2025	$390M	8.18%	5.0	A
June 30, 2025	$415M	10.45%	5.0	A
March 31, 2025	$373M	8.28%	5.0	A
December 31, 2024	$370M	8.06%	5.0	A
September 30, 2024	$359M	5.28%	5.0	A+
June 30, 2024	$375M	6.50%	5.0	A
March 31, 2024	$375M	0.33%	5.0	A+
December 31, 2023	$365M	0.34%	5.0	A+
September 30, 2023	$360M	0.13%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for 5Star Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather 5Star Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 5Star Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name 5Star Bank

Website https://www.5star.bank

Address 104 S Cascade Ave, Colorado Springs, CO 80903 · El Paso

Bank Holding Company LITTLE LONDON BCORP

FDIC Certificate # 91005

Regulator FDIC

Established June 10, 1980

FDIC Insurance Date November 5, 1985

Domestic Offices 6

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.98%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.8640%

Return on Equity (ROE)

10.8100%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

$378,229,000

Total Deposits

$312,121,000

Equity Capital

$64,385,000

Net Income

$3,553,000

Headquarters

Colorado Springs

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

5Star Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About 5Star Bank

Does 5Star Bank offer CDs?

Yes. 5Star Bank current CD rates include its 60-Month Variable IRA CD at 5.11% APY, its 36-Month Variable IRA CD at 4.96% APY and its 24-Month Variable IRA CD at 4.86% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from 5Star Bank FDIC insured?

Yes. 5Star Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at 5Star Bank?

The highest 5Star Bank CD rate is its 60-Month Variable IRA CD at 5.11% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does 5Star Bank offer?

5Star Bank CD rates are 2.60% APY for a 6 month CD, 2.75% APY for a 12 month CD, 2.80% APY for an 18 month CD, 2.60% APY for a 2 year CD, 2.35% APY for a 3 year CD, 2.25% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with 5Star Bank for its full lineup.

What is the highest savings rate at 5Star Bank?

The highest 5Star Bank savings rate is its Basic Savings at 0.75% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at 5Star Bank?

The highest 5Star Bank money market rate is its Money Market at 2.25% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at 5Star Bank?

The highest 5Star Bank checking rate is its 5Star Checking at 1.50% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does 5Star Bank operate?

5Star Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, 5Star Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 5Star Bank provides members with tools to manage their accounts and build a solid financial history.

Does 5Star Bank offer online and mobile banking?

Most modern institutions like 5Star Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.5star.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do 5Star Bank rates compare?

5Star Bank's top CD rate of 2.80% APY on an 18 month CD is 5% lower than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. 5Star Bank's top rates are its 60-Month Variable IRA CD at 5.11% APY, its Basic Savings at 0.75% APY, its Money Market at 2.25% APY and its 5Star Checking at 1.50% APY, verified by MonitorBankRates on November 6, 2026.

Current 5Star Bank Rates

12-Month CD2.75%
18-Month CD2.80%
24-Month CD2.60%
36-Month CD2.35%
48-Month CD2.25%
60-Month CD2.25%
Savings0.75%
MMA2.25%

Retrieved from our database of financial products. Rates subject to change.

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5Star Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

5Star Bank Texas Ratio

5Star Bank Health Trend

5Star Bank CD Rates

5Star Bank Savings Rates

5Star Bank Money Market Rates

5Star Bank Checking Rates

5Star Bank Other Rates

Financial Health History

Methodology & Data Sources

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5Star Bank earned the Verified Healthy badge

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Frequently Asked Questions About 5Star Bank

Does 5Star Bank offer CDs?

Are CDs from 5Star Bank FDIC insured?

What is the highest CD rate at 5Star Bank?

What CD terms does 5Star Bank offer?

What is the highest savings rate at 5Star Bank?

What is the highest money market rate at 5Star Bank?

What is the highest checking rate at 5Star Bank?

How many branches does 5Star Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does 5Star Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do 5Star Bank rates compare?

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