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iAdvertiser Disclosure
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.
 Community Star Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: October 30, 2026
Community Star Credit Union's 12 Month CD rates are at 4.00%, 6 Month CD rates are at 3.95%, CDs and IRA Specials - 37 Month CD/IRA rates are at 4.50%, CDs and IRA Specials - 19 Month CD/IRA rates are at 4.45%, CDs and IRA Specials - 11 Month (CD Only) rates are at 4.35%. Community Star Credit Union's money market rates are at 2.30%. Community Star Credit Union's checking rates are as high as 4.00%. Community Star Credit Union's Personal Loan Rates are as low as 9.39%. Community Star Credit Union's Credit Card Rates are at 11.49%. Community Star Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Community Star Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.42%. Rates last updated and verified on 10/30/2026. Community Star Credit Union 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 Community Star Credit Union? Share your experience about Community Star Credit Union by leaving a review below, or read customer reviews before you decide to use Community Star Credit Union. Community Star Credit Union
Main Office 832 Cleveland St
https://www.commstar.org Elyria, OH 44035-4141 Privately insuredASIup to $500,000 Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Community Star Credit Union CD Rates
Community Star Credit Union Savings Rates
Community Star Credit Union Money Market Rates
Community Star Credit Union Checking Rates
Community Star Credit Union Home Equity & HELOC
Community Star Credit Union Auto Loan Rates
Community Star Credit Union RV, Boat and Powersport Loan Rates
Community Star Credit Union Credit Card Rates
Community Star Credit Union Personal Loan Rates
Community Star Credit Union Other Rates
Financial Health HistoryCommunity Star Credit Union’s Texas Ratio fell from 5.58% in Q3 2023 to 3.42% in Q2 2026, so its financial health has improved and is now 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 credit union’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. 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community Star Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community Star Credit Union 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 Community Star Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community Star Credit Union
Website
https://www.commstar.org
Address
832 Cleveland St,
Elyria, OH 44035-4141
Phone
440-365-7342
Fax
440-366-2928
President
Robert Sutter
CEO
David Jezewski
Full-Time Employees
26
Part-Time Employees
2
Branch Locations
2
ATM Locations
2
NCUA Insured
No, not federally insured
Private Share Insurance
Up to $250,000 per account from American Share Insurance (ASI), plus up to an additional $250,000 per account from Excess Share Insurance (ESI), for up to $500,000 per account
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.42%
Return on Assets (ROA)
0.4165%
Return on Equity (ROE)
4.2795%
Non-Performing Loans Ratio (NPL)
0.55%
Total Assets
102,710,949
Total Amount of Shares and Deposits
90,683,591
Total Shares and Deposits < 1 Year
84,991,689
Total Shares and Deposits 1 3 Years
5,019,321
Total Shares and Deposits > 3 Years
672,581
Total Interest Expense (Sum of items 6 8)
621,389
Share Certificates
801
Number of Accounts for Share Drafts
4,260
IRA KEOGH Accounts
163
Number of Accounts for Regular Shares
9,897
All other shares
582
Money Market Shares
191
Net Income (unless the amount is already included in Undivided Earnings)
427,807
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,307,683
Total Liabilities
92,714,289
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Community Star Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Community Star Credit Union
Frequently Asked Questions About Community Star Credit UnionDoes Community Star Credit Union offer CDs?Yes. Community Star Credit Union current CD rates include its CDs and IRA Specials - 37 Month CD/IRA at 4.50% APY, its CDs and IRA Specials - 19 Month CD/IRA at 4.45% APY and its CDs and IRA Specials - 11 Month (CD Only) at 4.35% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Community Star Credit Union NCUA insured?No. Community Star Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Up to $250,000 per account from American Share Insurance (ASI), plus up to an additional $250,000 per account from Excess Share Insurance (ESI), for up to $500,000 per account. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Community Star Credit Union?The highest Community Star Credit Union CD rate is its CDs and IRA Specials - 37 Month CD/IRA at 4.50% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Community Star Credit Union offer?Community Star Credit Union CD rates are 3.95% APY for a 6 month CD, 4.35% APY for an 11 month CD, 4.00% APY for a 12 month CD, 4.05% APY for an 18 month CD, 4.45% APY for a 19 month CD, 4.10% APY for a 2 year CD, 4.50% APY for a 37 month CD and 4.30% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Community Star Credit Union for its full lineup. What is the highest money market rate at Community Star Credit Union?The highest Community Star Credit Union money market rate is its Star Money Market at 2.30% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Community Star Credit Union?The highest Community Star Credit Union checking rate is its Cash Rewards Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Community Star Credit Union?The lowest Community Star Credit Union auto loan rate is its New or Used Vehicles Loan at 5.59% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Community Star Credit Union?The lowest Community Star Credit Union personal loan rate is its Signature Loans at 9.39% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Community Star Credit Union?The lowest Community Star Credit Union credit card APR is its Visa Rewards Credit Card at 11.49% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Community Star Credit Union operate?Community Star Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Community Star Credit Union?Yes, to access services at Community Star Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Community Star Credit Union 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, Community Star Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Community Star Credit Union offer online and mobile banking?Most modern institutions like Community Star Credit Union 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.commstar.org. 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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Community Star Credit Union rates compare?Community Star Credit Union's CD rates are 47% higher than the MonitorBankRates national average, and it has an A+ health rating. Community Star Credit Union's top rates are its CDs and IRA Specials - 37 Month CD/IRA at 4.50% APY, its Star Money Market at 2.30% APY, its Cash Rewards Checking at 4.00% APY, its Signature Loans at 9.39% APR and its Visa Rewards Credit Card at 11.49% APR, verified by MonitorBankRates on October 30, 2026. Current Community Star Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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