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STAR Financial Bank Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| 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

STAR Financial Bank's CD - 15-Month rates are at 3.75%, CD - 12-Month rates are at 3.70%, CD - 9-Month rates are at 3.65%, CD - 18-Month rates are at 2.75%, CD - 2 Years rates are at 2.75%. STAR Financial Bank's savings rates are at 0.10%. STAR Financial Bank's money market rates are at 2.75%. STAR Financial Bank's checking rates are as high as 0.01%. STAR Financial Bank's Mortgage Loan - 5/1 ARM rates are at 6.50%, Mortgage Loan - 7/1 ARM rates are at 6.625%, Mortgage Loan - Debt Free 7 Year Fixed rates are at 6.50%, Mortgage Loan - Debt Free 10 Year Fixed rates are at 6.625%, Mortgage Loan - 15 Year Fixed rates are at 6.75%. STAR Financial Bank's RV, Boat and Powersport Loan Rates are as low as 8.00%. STAR Financial Bank's top CD rate of 3.75% APY on a 15 month CD is 26% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of STAR Financial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 11/06/2026.

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

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 ?
2.87%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
STAR Financial Bank
215 W. Main Street
Fort Wayne, IN 46802
https://www.starfinancial.com
MemberFDIC
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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.

STAR Financial Bank CD Rates

Product Rate APY Term View More
CD - 15-month - 3.75% 15 Months
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 11 times
3.25%3.75%4.25%Sep 19, 2026: 3.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 12-month - 3.70% 12 Months
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 11 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 9-month - 3.65% 9 Months
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 19, 2026: 3.65% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 18-month - 2.75% 18 Months
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 2-Years - 2.75% 2 Years
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 3-Years - 2.75% 3 Years
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 30-month - 2.75% 30 Months
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 4-Years - 2.50% 4 Years
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 6-month - 2.50% 6 Months
Min Balance $1,000
Details Compound Frequency: At Maturity; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 11 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 3-month - 2.35% 3 Months
Min Balance $1,000
Details Compound Frequency: At Maturity; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.35% APY · checked 11 times
1.85%2.35%2.85%Sep 19, 2026: 2.35% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 5-Years - 2.00% 5 Years
Min Balance $1,000
Details Compound Frequency: Monthly; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 1-Month - 0.07% 1 Month
Min Balance $1,000
Details Compound Frequency: At Maturity; APY requires active STAR checking relationship; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 0.07% APY · checked 5 times
0.00%0.29%0.57%Oct 20, 2026: 0.07% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
CD - 14 Days - 0.03% 14 Days
Min Balance $5,000
Details Compound Frequency: At Maturity; STAR Power: requires minimum deposit and balance of $5,000; not eligible for relationship pricing; penalty may apply for early withdrawal
Last Updated 11/06/2026
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 20, 2026: 0.03% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Savings Rates

Product Rate APY View More
College Bound Savings 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Club SaveAway 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Cosmo Kids Club 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Regular Savings 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Money Market Rates

Product Rate APY View More
Money Market Preferred 2.72% 2.75%
Min Balance $100,000
Details Balance: $100,000 - $2,499,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.72% 2.75%
Min Balance $2,500,000
Details Balance: $2,500,000+
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.62% 2.65%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 11 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.62% 2.65%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 11 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.049% 0.05%
Min Balance $10,000
Details Balance: $10,000+
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.03% 0.03%
Min Balance $2,500
Details Balance: $2,500 - $9,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 11 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 10 times
0.00%0.26%0.52%Sep 24, 2026: 0.02% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $2,499.99
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 10 times
0.00%0.26%0.51%Sep 24, 2026: 0.01% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Checking Rates

Product Rate APY View More
Interest Checking Account 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $4,999.99; Rates effective 1/14/2025; Variable rate product
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 11 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Interest Checking Account 0.01% 0.01%
Min Balance $5,000
Details Balance: $5,000 - $19,999.99; Rates effective 1/14/2025; Variable rate product
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 11 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Interest Checking Account 0.01% 0.01%
Min Balance $20,000
Details Balance: $20,000+; Rates effective 1/14/2025; Variable rate product
Last Updated 11/06/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 11 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Mortgage Rates

Product Rate Points APR Term View More
Mortgage Loan - 5/1 ARM 6.50% 0.000 6.601% 30 years
Details ARM program; P&I: $632.07; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock; rate may increase after consummation
Last Updated 11/06/2026
Rate History
1 change since Oct 20, 2026 · 6.73% → 6.60% ▼ 0.13 pts · high 6.73% / low 6.60%
6.10%6.66%7.23%Oct 20, 2026: 6.73% APROct 31, 2026: 6.60% APROct 20, 2026Nov 9, 2026
  • Oct 31, 20266.60%▼ from 6.73%
  • Oct 20, 20266.73%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - 7/1 ARM 6.625% 0.000 6.727% 30 years
Details ARM program; P&I: $640.31; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock; rate may increase after consummation
Last Updated 11/06/2026
Rate History
1 change since Oct 20, 2026 · 6.85% → 6.73% ▼ 0.13 pts · high 6.85% / low 6.73%
6.23%6.79%7.35%Oct 20, 2026: 6.85% APROct 31, 2026: 6.73% APROct 20, 2026Nov 9, 2026
  • Oct 31, 20266.73%▼ from 6.85%
  • Oct 20, 20266.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - Debt Free 7 Year Fixed 6.50% 0.000 6.823% 7 years
Details P&I: $1,484.94; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock
Last Updated 11/06/2026
Rate History
2 changes since Oct 20, 2026 · 7.08% → 6.82% ▼ 0.25 pts · high 7.20% / low 6.82%
6.32%7.01%7.70%Oct 20, 2026: 7.08% APROct 21, 2026: 7.20% APROct 31, 2026: 6.82% APROct 20, 2026Nov 9, 2026
  • Oct 31, 20266.82%▼ from 7.20%
  • Oct 21, 20267.20%▲ from 7.08%
  • Oct 20, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - Debt Free 10 Year Fixed 6.625% 0.000 6.861% 10 years
Details P&I: $1,141.85; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock
Last Updated 11/06/2026
Rate History
2 changes since Oct 20, 2026 · 7.11% → 6.86% ▼ 0.25 pts · high 7.24% / low 6.86%
6.36%7.05%7.74%Oct 20, 2026: 7.11% APROct 21, 2026: 7.24% APROct 31, 2026: 6.86% APROct 20, 2026Nov 9, 2026
  • Oct 31, 20266.86%▼ from 7.24%
  • Oct 21, 20267.24%▲ from 7.11%
  • Oct 20, 20267.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - 15 Year Fixed 6.75% 0.000 6.918% 15 years
Details P&I: $884.91; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock
Last Updated 11/06/2026
Rate History
7 changes since Sep 19, 2026 · 7.17% → 6.92% ▼ 0.25 pts · high 7.30% / low 6.92%
6.42%7.11%7.80%Sep 19, 2026: 7.17% APRSep 24, 2026: 7.04% APRSep 27, 2026: 7.30% APROct 3, 2026: 7.17% APROct 11, 2026: 7.30% APROct 20, 2026: 7.17% APROct 21, 2026: 7.30% APROct 31, 2026: 6.92% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20266.92%▼ from 7.30%
  • Oct 21, 20267.30%▲ from 7.17%
  • Oct 20, 20267.17%▼ from 7.30%
  • Oct 11, 20267.30%▲ from 7.17%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - 20 Year Fixed 7.125% 0.000 7.262% 20 years
Details P&I: $782.82; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock
Last Updated 11/06/2026
Rate History
7 changes since Sep 19, 2026 · 7.39% → 7.26% ▼ 0.13 pts · high 7.89% / low 7.26%
6.63%7.58%8.52%Sep 19, 2026: 7.39% APRSep 24, 2026: 7.51% APRSep 27, 2026: 7.64% APROct 1, 2026: 7.89% APROct 3, 2026: 7.77% APROct 20, 2026: 7.51% APROct 21, 2026: 7.64% APROct 31, 2026: 7.26% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20267.26%▼ from 7.64%
  • Oct 21, 20267.64%▲ from 7.51%
  • Oct 20, 20267.51%▼ from 7.77%
  • Oct 3, 20267.77%▼ from 7.89%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Mortgage Loan - 30 Year Fixed 7.375% 0.000 7.482% 30 years
Details P&I: $690.68; Loan amount $100,000 basis, 60% LTV, purchase primary residence, 30 day lock
Last Updated 11/06/2026
Rate History
6 changes since Sep 19, 2026 · 7.48% → 7.48% ▼ 0.00 pts · high 7.99% / low 7.48%
6.98%7.73%8.49%Sep 19, 2026: 7.48% APRSep 24, 2026: 7.61% APRSep 27, 2026: 7.73% APROct 1, 2026: 7.99% APROct 20, 2026: 7.73% APROct 31, 2026: 7.61% APRNov 6, 2026: 7.48% APRSep 19, 2026Nov 9, 2026
  • Nov 6, 20267.48%▼ from 7.61%
  • Oct 31, 20267.61%▼ from 7.73%
  • Oct 20, 20267.73%▼ from 7.99%
  • Oct 1, 20267.99%▲ from 7.73%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) 7.00% - 7.00% Up to 10 year
Details As Low As; CLTV: Up to 90%; Loan Amount: Up to $250,000; Variable rate tied to Prime (WSJ), maximum 18%, floor 3.75%; annual fee $65
Last Updated 11/06/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 15, 2026: 6.75% APRSep 19, 2026: 7.00% APRSep 15, 2026Nov 9, 2026
  • Sep 19, 20267.00%▲ from 6.75%
  • Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Home Equity Loan (HELO) 8.00% - 8.00% Up to 10 year
Details As Low As; CLTV: Up to 90%; Loan Amount: Up to $250,000; Fixed rate product
Last Updated 11/06/2026
Rate History
3 changes since Sep 15, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.13% / low 7.75%
7.25%7.94%8.63%Sep 15, 2026: 7.75% APRSep 19, 2026: 8.00% APROct 1, 2026: 8.13% APROct 31, 2026: 8.00% APRSep 15, 2026Nov 9, 2026
  • Oct 31, 20268.00%▼ from 8.13%
  • Oct 1, 20268.13%▲ from 8.00%
  • Sep 19, 20268.00%▲ from 7.75%
  • Sep 15, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto, Truck & Motorcycle Loan 7.74% - 8.00% 49 - 60 months
Details As Low As; Model Year: 2027 - 2025; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.76% → 8.00% ▼ 0.76 pts · high 9.51% / low 8.00%
6.49%8.75%11.02%Sep 19, 2026: 8.76% APROct 7, 2026: 9.01% APROct 7, 2026: 9.51% APROct 11, 2026: 8.25% APROct 31, 2026: 8.00% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.00%▼ from 8.25%
  • Oct 11, 20268.25%▼ from 9.51%
  • Oct 7, 20269.51%▲ from 9.01%
  • Oct 7, 20269.01%▲ from 8.76%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto Loan - - 8.06% 36-month to 48-month
Details As Low As; on a 36-month to 48-month term; Available for 2025 or newer models; Terms from 36 to 60 months; Examples based on a $20,000 loan
Last Updated 11/06/2026
Rate History
2 changes since Sep 19, 2026 · 8.06% → 8.06% ▼ 0.00 pts · high 8.31% / low 8.06%
7.56%8.19%8.81%Sep 19, 2026: 8.06% APROct 20, 2026: 8.31% APROct 31, 2026: 8.06% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.06%▼ from 8.31%
  • Oct 20, 20268.31%▲ from 8.06%
  • Sep 19, 20268.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 7.74% - 8.06% 36 - 48 months
Details As Low As; Model Year: 2027 - 2025; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.57% → 8.06% ▼ 0.51 pts · high 9.32% / low 8.06%
6.80%8.69%10.58%Sep 19, 2026: 8.57% APROct 7, 2026: 8.82% APROct 7, 2026: 9.32% APROct 11, 2026: 8.31% APROct 31, 2026: 8.06% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.06%▼ from 8.31%
  • Oct 11, 20268.31%▼ from 9.32%
  • Oct 7, 20269.32%▲ from 8.82%
  • Oct 7, 20268.82%▲ from 8.57%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 7.99% - 8.21% 61 - 72 months
Details As Low As; Model Year: 2027 - 2025; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.21% → 8.21% ▼ 0.00 pts · high 9.22% / low 8.21%
7.20%8.72%10.23%Sep 19, 2026: 8.21% APROct 7, 2026: 8.46% APROct 7, 2026: 9.22% APROct 11, 2026: 8.46% APROct 31, 2026: 8.21% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.21%▼ from 8.46%
  • Oct 11, 20268.46%▼ from 9.22%
  • Oct 7, 20269.22%▲ from 8.46%
  • Oct 7, 20268.46%▲ from 8.21%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.24% - 8.46% 73 - 75 months
Details As Low As; Model Year: 2027 - 2025; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
2 changes since Sep 19, 2026 · 8.46% → 8.46% ▼ 0.00 pts · high 8.71% / low 8.46%
7.96%8.59%9.21%Sep 19, 2026: 8.46% APROct 7, 2026: 8.71% APROct 31, 2026: 8.46% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.46%▼ from 8.71%
  • Oct 7, 20268.71%▲ from 8.46%
  • Sep 19, 20268.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.24% - 8.57% 36 - 48 months
Details As Low As; Model Year: 2024 - 2023; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.57% → 8.57% ▼ 0.00 pts · high 9.32% / low 8.57%
7.82%8.95%10.07%Sep 19, 2026: 8.57% APROct 7, 2026: 8.82% APROct 7, 2026: 9.32% APROct 11, 2026: 8.82% APROct 31, 2026: 8.57% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.57%▼ from 8.82%
  • Oct 11, 20268.82%▼ from 9.32%
  • Oct 7, 20269.32%▲ from 8.82%
  • Oct 7, 20268.82%▲ from 8.57%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.49% - 8.76% 49 - 60 months
Details As Low As; Model Year: 2024 - 2023; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.76% → 8.76% ▼ 0.00 pts · high 9.51% / low 8.76%
8.01%9.14%10.26%Sep 19, 2026: 8.76% APROct 7, 2026: 9.01% APROct 7, 2026: 9.51% APROct 11, 2026: 9.01% APROct 31, 2026: 8.76% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.76%▼ from 9.01%
  • Oct 11, 20269.01%▼ from 9.51%
  • Oct 7, 20269.51%▲ from 9.01%
  • Oct 7, 20269.01%▲ from 8.76%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.74% - 8.97% 61 - 72 months
Details As Low As; Model Year: 2024 - 2023; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
3 changes since Sep 19, 2026 · 8.21% → 8.97% ▲ 0.76 pts · high 9.22% / low 8.21%
7.20%8.72%10.23%Sep 19, 2026: 8.21% APROct 7, 2026: 8.46% APROct 7, 2026: 9.22% APROct 31, 2026: 8.97% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20268.97%▼ from 9.22%
  • Oct 7, 20269.22%▲ from 8.46%
  • Oct 7, 20268.46%▲ from 8.21%
  • Sep 19, 20268.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.74% - 9.07% 36 - 48 months
Details As Low As; Model Year: 2022 - 2020; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.57% → 9.07% ▲ 0.50 pts · high 9.32% / low 8.57%
7.82%8.95%10.07%Sep 19, 2026: 8.57% APROct 7, 2026: 8.82% APROct 7, 2026: 9.32% APROct 11, 2026: 8.82% APROct 31, 2026: 9.07% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20269.07%▲ from 8.82%
  • Oct 11, 20268.82%▼ from 9.32%
  • Oct 7, 20269.32%▲ from 8.82%
  • Oct 7, 20268.82%▲ from 8.57%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 8.99% - 9.26% 49 - 60 months
Details As Low As; Model Year: 2022 - 2020; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
4 changes since Sep 19, 2026 · 8.76% → 9.26% ▲ 0.50 pts · high 9.51% / low 8.76%
8.01%9.14%10.26%Sep 19, 2026: 8.76% APROct 7, 2026: 9.01% APROct 7, 2026: 9.51% APROct 11, 2026: 9.01% APROct 31, 2026: 9.26% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 20269.26%▲ from 9.01%
  • Oct 11, 20269.01%▼ from 9.51%
  • Oct 7, 20269.51%▲ from 9.01%
  • Oct 7, 20269.01%▲ from 8.76%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loan 9.74% - 10.07% 36 - 48 months
Details As Low As; Model Year: 2019 - 2018; Examples based on $20,000 loan
Last Updated 11/06/2026
Rate History
3 changes since Sep 19, 2026 · 8.57% → 10.07% ▲ 1.50 pts · high 10.32% / low 8.57%
6.82%9.45%12.07%Sep 19, 2026: 8.57% APROct 7, 2026: 8.82% APROct 7, 2026: 10.32% APROct 31, 2026: 10.07% APRSep 19, 2026Nov 9, 2026
  • Oct 31, 202610.07%▼ from 10.32%
  • Oct 7, 202610.32%▲ from 8.82%
  • Oct 7, 20268.82%▲ from 8.57%
  • Sep 19, 20268.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loan - 8.82% 36-month to 48-month
Details As Low As; on a 36-month to 48-month term; Available for 2025 or newer models; Terms from 36 to 60 months; Examples based on a $20,000 loan
Last Updated 11/06/2026
Rate History
2 changes since Sep 19, 2026 · 8.82% → 8.82% ▼ 0.00 pts · high 9.07% / low 8.82%
8.32%8.95%9.57%Sep 19, 2026: 8.82% APROct 20, 2026: 9.07% APROct 26, 2026: 8.82% APRSep 19, 2026Nov 9, 2026
  • Oct 26, 20268.82%▼ from 9.07%
  • Oct 20, 20269.07%▲ from 8.82%
  • Sep 19, 20268.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 8.49% 8.82% 36 - 48 months
Details As Low As; Model Year: 2027 - 2025
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 9.07% → 8.82% ▼ 0.25 pts · high 9.07% / low 8.82%
8.32%8.95%9.57%Oct 7, 2026: 9.07% APROct 26, 2026: 8.82% APROct 7, 2026Nov 9, 2026
  • Oct 26, 20268.82%▼ from 9.07%
  • Oct 7, 20269.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
RV Loan - 8.82% 36-month to 48-month
Details As Low As; on a 36-month to 48-month term; Available for 2025 or newer models; Terms from 36 to 60 months; Examples based on a $20,000 loan
Last Updated 11/06/2026
Rate History
2 changes since Sep 19, 2026 · 8.82% → 8.82% ▼ 0.00 pts · high 9.07% / low 8.82%
8.32%8.95%9.57%Sep 19, 2026: 8.82% APROct 20, 2026: 9.07% APROct 26, 2026: 8.82% APRSep 19, 2026Nov 9, 2026
  • Oct 26, 20268.82%▼ from 9.07%
  • Oct 20, 20269.07%▲ from 8.82%
  • Sep 19, 20268.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 8.74% 9.01% 49 - 60 months
Details As Low As; Model Year: 2027 - 2025
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 9.26% → 9.01% ▼ 0.25 pts · high 9.26% / low 9.01%
8.51%9.14%9.76%Oct 7, 2026: 9.26% APROct 26, 2026: 9.01% APROct 7, 2026Nov 9, 2026
  • Oct 26, 20269.01%▼ from 9.26%
  • Oct 7, 20269.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 8.99% 9.19% 61 - 84 months
Details As Low As; Model Year: 2027 - 2025
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 9.44% → 9.19% ▼ 0.25 pts · high 9.44% / low 9.19%
8.69%9.32%9.94%Oct 7, 2026: 9.44% APROct 26, 2026: 9.19% APROct 7, 2026Nov 9, 2026
  • Oct 26, 20269.19%▼ from 9.44%
  • Oct 7, 20269.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.24% 9.42% 85 - 96 months
Details As Low As; Model Year: 2027 - 2025
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 9.67% → 9.42% ▼ 0.25 pts · high 9.67% / low 9.42%
8.92%9.55%10.17%Oct 7, 2026: 9.67% APROct 26, 2026: 9.42% APROct 7, 2026Nov 9, 2026
  • Oct 26, 20269.42%▼ from 9.67%
  • Oct 7, 20269.67%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.49% 9.64% 97 - 120 months
Details As Low As; Model Year: 2027 - 2025
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 9.89% → 9.64% ▼ 0.25 pts · high 9.89% / low 9.64%
9.14%9.77%10.39%Oct 7, 2026: 9.89% APROct 26, 2026: 9.64% APROct 7, 2026Nov 9, 2026
  • Oct 26, 20269.64%▼ from 9.89%
  • Oct 7, 20269.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.74% 10.07% 36 - 48 months
Details As Low As; Model Year: 2024 - 2023
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 10.32% → 10.07% ▼ 0.25 pts · high 10.32% / low 10.07%
9.57%10.20%10.82%Oct 7, 2026: 10.32% APROct 26, 2026: 10.07% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202610.07%▼ from 10.32%
  • Oct 7, 202610.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.99% 10.26% 49 - 60 months
Details As Low As; Model Year: 2024 - 2023
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 10.51% → 10.26% ▼ 0.25 pts · high 10.51% / low 10.26%
9.76%10.39%11.01%Oct 7, 2026: 10.51% APROct 26, 2026: 10.26% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202610.26%▼ from 10.51%
  • Oct 7, 202610.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.24% 10.44% 61 - 84 months
Details As Low As; Model Year: 2024 - 2023
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 10.69% → 10.44% ▼ 0.25 pts · high 10.69% / low 10.44%
9.94%10.57%11.19%Oct 7, 2026: 10.69% APROct 26, 2026: 10.44% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202610.44%▼ from 10.69%
  • Oct 7, 202610.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.49% 10.67% 85 - 96 months
Details As Low As; Model Year: 2024 - 2023
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 10.92% → 10.67% ▼ 0.25 pts · high 10.92% / low 10.67%
10.17%10.80%11.42%Oct 7, 2026: 10.92% APROct 26, 2026: 10.67% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202610.67%▼ from 10.92%
  • Oct 7, 202610.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.74% 10.89% 97 - 120 months
Details As Low As; Model Year: 2024 - 2023
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 11.14% → 10.89% ▼ 0.25 pts · high 11.14% / low 10.89%
10.39%11.02%11.64%Oct 7, 2026: 11.14% APROct 26, 2026: 10.89% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202610.89%▼ from 11.14%
  • Oct 7, 202611.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.74% 11.07% 36 - 48 months
Details As Low As; Model Year: 2022 - 2018
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 11.32% → 11.07% ▼ 0.25 pts · high 11.32% / low 11.07%
10.57%11.20%11.82%Oct 7, 2026: 11.32% APROct 26, 2026: 11.07% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202611.07%▼ from 11.32%
  • Oct 7, 202611.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.99% 11.26% 49 - 60 months
Details As Low As; Model Year: 2022 - 2018
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 11.51% → 11.26% ▼ 0.25 pts · high 11.51% / low 11.26%
10.76%11.39%12.01%Oct 7, 2026: 11.51% APROct 26, 2026: 11.26% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202611.26%▼ from 11.51%
  • Oct 7, 202611.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 11.24% 11.44% 61 - 84 months
Details As Low As; Model Year: 2022 - 2018
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 11.69% → 11.44% ▼ 0.25 pts · high 11.69% / low 11.44%
10.94%11.57%12.19%Oct 7, 2026: 11.69% APROct 26, 2026: 11.44% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202611.44%▼ from 11.69%
  • Oct 7, 202611.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 11.49% 11.67% 85 - 96 months
Details As Low As; Model Year: 2022 - 2018
Last Updated 11/06/2026
Rate History
1 change since Oct 7, 2026 · 11.92% → 11.67% ▼ 0.25 pts · high 11.92% / low 11.67%
11.17%11.80%12.42%Oct 7, 2026: 11.92% APROct 26, 2026: 11.67% APROct 7, 2026Nov 9, 2026
  • Oct 26, 202611.67%▼ from 11.92%
  • Oct 7, 202611.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
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.
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Financial Health History

STAR Financial Bank’s Texas Ratio rose from 2.18% in Q3 2023 to 2.87% 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 4.3 to 5.0 and its Health Grade from A- to A+. 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★ 1.2% 2.0★ 2.4% 3.0★ 3.6% 4.0★ 4.9% 5.0★ Healthy zone – entire history below the 15% limit 2.18% 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 2.87% 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$3.2B2.87%5.0A+
March 31, 2026$3.2B3.60%5.0A+
December 31, 2025$3.2B3.35%5.0A+
September 30, 2025$3.1B3.20%5.0A+
June 30, 2025$3.0B2.15%5.0A+
March 31, 2025$3.0B2.24%5.0A+
December 31, 2024$3.0B1.63%5.0A+
September 30, 2024$3.0B1.86%5.0A+
June 30, 2024$3.0B2.04%5.0A+
March 31, 2024$2.9B1.87%5.0A+
December 31, 2023$3.0B1.91%5.0A+
September 30, 2023$3.0B2.18%4.3A-
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 STAR Financial 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 STAR Financial 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 STAR Financial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name STAR Financial Bank
Website https://www.starfinancial.com
Address 215 W. Main Street, Fort Wayne, IN 46802  ·  Allen
Bank Holding Company STAR FINANCIAL GROUP INC
FDIC Certificate # 27235
Regulator FDIC
Established May 2, 1988
FDIC Insurance Date May 2, 1988
Domestic Offices 37
Total Branches 37
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
2.87%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0140%
Return on Equity (ROE)
11.1500%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
$3,230,682,000
Total Deposits
$2,845,134,000
Equity Capital
$298,681,000
Net Income
$16,316,000
Headquarters
Fort Wayne
Total Branches and Offices
37
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

STAR Financial Bank 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/star-financial-bank-rates-review-27235">
  <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

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Frequently Asked Questions About STAR Financial Bank

Does STAR Financial Bank offer CDs?

Yes. STAR Financial Bank current CD rates include its CD - 15-Month at 3.75% APY, its CD - 12-Month at 3.70% APY and its CD - 9-Month at 3.65% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from STAR Financial Bank FDIC insured?

Yes. STAR Financial 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 STAR Financial Bank?

The highest STAR Financial Bank CD rate is its Certificate of Deposit - 15-Month at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does STAR Financial Bank offer?

STAR Financial Bank CD rates are 3.65% APY for a 9 month CD, 3.70% APY for a 12 month CD, 3.75% APY for a 15 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.00% 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 STAR Financial Bank for its full lineup.

What is the highest savings rate at STAR Financial Bank?

The highest STAR Financial Bank savings rate is its College Bound Savings at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at STAR Financial Bank?

The highest STAR Financial Bank money market rate is its Money Market Preferred at 2.75% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at STAR Financial Bank?

The highest STAR Financial Bank checking rate is its Interest Checking Account at 0.01% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at STAR Financial Bank?

The lowest STAR Financial Bank 30 year fixed mortgage rate is its Mortgage Loan - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of November 6, 2026. STAR Financial Bank mortgage rates are 7.375% for a 30 year mortgage, 7.125% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.625% for a 10 year mortgage, 6.50% for a 7 year mortgage, 6.50% for a 5/1 ARM and 6.625% for a 7/1 ARM.

What is the lowest auto loan rate at STAR Financial Bank?

The lowest STAR Financial Bank auto loan rate is its Auto, Truck & Motorcycle Loan at 7.74%, verified by MonitorBankRates as of November 6, 2026.

How many branches does STAR Financial Bank operate?

STAR Financial Bank currently maintains approximately 37 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, STAR Financial 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, STAR Financial Bank provides members with tools to manage their accounts and build a solid financial history.

Does STAR Financial Bank offer online and mobile banking?

Most modern institutions like STAR Financial 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.starfinancial.com.

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 STAR Financial Bank rates compare?

STAR Financial Bank's top CD rate of 3.75% APY on a 15 month CD is 26% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. STAR Financial Bank's top rates are its 15-Months Certificate of Deposit - 15-Month at 3.75% APY, its College Bound Savings at 0.10% APY, its Money Market Preferred at 2.75% APY, its Interest Checking Account at 0.01% APY, its Mortgage Loan - 5/1 ARM at 6.50% and its Auto, Truck & Motorcycle Loan at 8.00% APR, verified by MonitorBankRates on November 6, 2026.

Current STAR Financial Bank Rates

  • 12-Month CD3.70%
  • 18-Month CD2.75%
  • 24-Month CD2.75%
  • 36-Month CD2.75%
  • 48-Month CD2.50%
  • 60-Month CD2.00%
  • Savings0.10%
  • MMA2.75%
Retrieved from our database of financial products. Rates subject to change.

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