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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

BankStar Financial Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

BankStar Financial's 13-Month CD Special rates are at 4.01%, 18-Month CD Special rates are at 4.01%, 25-Month CD Special rates are at 4.01%. BankStar Financial's savings rates are at 3.20%. BankStar Financial's checking rates are as high as 3.20%. BankStar Financial's top CD rate of 4.01% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BankStar Financial with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.11%. Rates last updated and verified on 11/06/2026.

BankStar Financial 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 BankStar Financial? Share your experience about BankStar Financial by leaving a review below, or read customer reviews before you decide to use BankStar Financial.

MonitorBankRates Verified Healthy Badge 2026 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 ?
1.11%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
BankStar Financial
124 Elk St
Elkton, SD 57026
https://www.ebankstar.bank
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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.

BankStar Financial CD Rates

Product Rate APY Term View More
13-Month CD Special - 4.01% 13-month
Min Balance $10,000
Details Annual Percentage Yield is accurate as of September 21, 2026; Penalty for early withdrawal; Institutional or Public Funds not eligible
Last Updated 11/06/2026
Rate History
No change since Oct 27, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 27, 2026: 4.01% APYOct 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%
18-Month CD Special - 4.01% 18-month
Min Balance $10,000
Details Annual Percentage Yield is accurate as of September 21, 2026; Penalty for early withdrawal; Institutional or Public Funds not eligible
Last Updated 11/06/2026
Rate History
No change since Oct 27, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 27, 2026: 4.01% APYOct 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%
25-Month CD Special - 4.01% 25-month
Min Balance $10,000
Details Annual Percentage Yield is accurate as of September 21, 2026; Penalty for early withdrawal; Institutional or Public Funds not eligible
Last Updated 11/06/2026
Rate History
No change since Oct 27, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 27, 2026: 4.01% APYOct 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%

BankStar Financial Savings Rates

Product Rate APY View More
Future Star Savings - 3.20%
Min Deposit $25
Details Qualifications Required; For individuals under age 18; Interest compounded and paid monthly on average daily balance
Last Updated 11/06/2026
Rate History
No change since Sep 30, 2026 · 3.20% APY · checked 9 times
2.70%3.20%3.70%Sep 30, 2026: 3.20% APYSep 30, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%

BankStar Financial Checking Rates

Product Rate APY View More
STAR Checking - 3.20%
Min Deposit $25,000
Details APY on all balances, accurate as of 9/25/2026; Variable interest rate; $75 monthly maintenance fee if balance falls below $25,000 any day of the month
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%
ePlus Checking 1.49% 1.50%
Min Deposit $100
Details Qualifications Required: Minimum of 10 debit card purchases; Minimum of one direct deposit, automatic payment, or bill pay must clear the account; Enroll in and agree to receive Electronic Statements; Qualifying balance up to $25,000.00; Rate on balances over $25,000 is 0.75% interest (1.50% - 0.94% APY); if requirements not met, 0.01% interest and 0.01% APY; APY accurate as of 9/21/2026
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.11%
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.
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Financial Health History

BankStar Financial’s Texas Ratio fell from 1.86% in Q3 2023 to 1.11% 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 — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.2% 4.0★ 5.6% 5.0★ Healthy zone – entire history below the 15% limit 1.86% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.11% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$363M1.11%5.0A+
March 31, 2026$358M0.26%5.0A+
December 31, 2025$350M0.82%5.0A+
September 30, 2025$339M2.85%5.0A+
June 30, 2025$328M1.81%5.0A+
March 31, 2025$334M1.18%5.0A+
December 31, 2024$329M1.00%5.0A+
September 30, 2024$329M3.67%5.0A+
June 30, 2024$311M3.57%5.0A+
March 31, 2024$304M4.15%5.0A+
December 31, 2023$298M2.04%5.0A+
September 30, 2023$282M1.86%5.0A+
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 BankStar Financial 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 BankStar Financial 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 BankStar Financial's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name BankStar Financial
Website https://www.ebankstar.bank
Address 124 Elk St, Elkton, SD 57026  ·  Brookings
Bank Holding Company ELKTON HOLDING CO
FDIC Certificate # 496
Regulator FDIC
Established March 20, 1926
FDIC Insurance Date January 1, 1934
Domestic Offices 3
Total Branches 3
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
1.11%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.5251%
Return on Equity (ROE)
16.1400%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
$363,464,000
Total Deposits
$302,145,000
Equity Capital
$34,823,000
Net Income
$2,724,000
Headquarters
Elkton
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

BankStar Financial earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/bankstar-financial-rates-review-496">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for BankStar Financial yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for BankStar Financial
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Frequently Asked Questions About BankStar Financial

Does BankStar Financial offer CDs?

Yes. BankStar Financial current CD rates include its 13-Month CD Special at 4.01% APY, its 18-Month CD Special at 4.01% APY and its 25-Month CD Special at 4.01% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from BankStar Financial FDIC insured?

Yes. BankStar Financial 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 BankStar Financial?

The highest BankStar Financial CD rate is its 13-Month CD Special at 4.01% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does BankStar Financial offer?

BankStar Financial CD rates are 4.01% APY for a 12 month CD, 4.01% APY for a 13 month CD, 4.01% APY for an 18 month CD, 4.01% APY for a 2 year CD and 4.01% APY for a 25 month 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 BankStar Financial for its full lineup.

What is the highest savings rate at BankStar Financial?

The highest BankStar Financial savings rate is its Future Star Savings at 3.20% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at BankStar Financial?

The highest BankStar Financial checking rate is its STAR Checking at 3.20% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does BankStar Financial operate?

BankStar Financial currently maintains approximately 3 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, BankStar Financial 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, BankStar Financial provides members with tools to manage their accounts and build a solid financial history.

Does BankStar Financial offer online and mobile banking?

Most modern institutions like BankStar Financial 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.ebankstar.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 BankStar Financial rates compare?

BankStar Financial's top CD rate of 4.01% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. BankStar Financial's top rates are its 13-Month CD Special at 4.01% APY, its Future Star Savings at 3.20% APY and its STAR Checking at 3.20% APY, verified by MonitorBankRates on November 6, 2026.

Current BankStar Financial Rates

  • 12-Month CD4.01%
  • 18-Month CD4.01%
  • 24-Month CD4.01%
  • Savings3.20%
Retrieved from our database of financial products. Rates subject to change.

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