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Community Star Credit Union Rates & Review September 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: September 22, 2026

Community Star Credit Union's 37 Month CD/IRA rates are at 4.00%, 37 Month CD/IRA rates are at 3.95%, 37 Month CD/IRA rates are at 3.90%, 19 Month CD/IRA rates are at 3.85%, 60 Month CD/IRA rates are at 3.85%. Community Star Credit Union's money market rates are at 1.75%. 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%. 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 2.80%. Rates last updated and verified on 09/22/2026.

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.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.80%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Community Star Credit Union
Main Office
832 Cleveland St
Elyria, OH 44035-4141
https://www.commstar.org
Member NCUA

Community Star Credit Union CD Rates

Product Rate APY Term View More
37 Month Certificate/IRA - 4.00% 37 Month
Min Deposit $100,000
Min Balance $100,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
37 Month Certificate/IRA - 3.95% 37 Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
37 Month Certificate/IRA - 3.90% 37 Month
Min Deposit $500
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
19 Month Certificate/IRA - 3.85% 19 Month
Min Deposit $100,000
Min Balance $100,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
60 Month Certificate/IRA - 3.85% 60 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
11 Month (Certificate Only) - 3.80% 11 Month
Min Deposit $100,000
Min Balance $100,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
19 Month Certificate/IRA - 3.80% 19 Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
36 Month Certificate/IRA - 3.80% 36 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
48 Month Certificate/IRA - 3.80% 48 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
11 Month (Certificate Only) - 3.75% 11 Month
Min Deposit $50,000
Min Balance $50,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
19 Month Certificate/IRA - 3.75% 19 Month
Min Deposit $500
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
24 Month Certificate/IRA - 3.75% 24 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
30 Month Certificate/IRA - 3.75% 30 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
11 Month (Certificate Only) - 3.70% 11 Month
Min Deposit $500
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
12 Month Certificate - 3.70% 12 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
18 Month Certificate/IRA - 3.70% 18 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
6 Month Certificate - 3.65% 6 Month
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
90 Day Certificate - 3.45% 90 Day
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Savings Rates

Product Rate APY View More
Saver - 1.00%
Min Balance $40,000
Details Qualifications Required: Qualifications are met; Balance: $0.01 - $40,000.00; Earn 0.10% APY on portion of balance over $40,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Christmas/Vacation Club - 0.10%
Min Deposit $0
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Saver - 0.05%
Min Deposit $25
Details Published APY range: 0.05%-1.00%*.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Money Market Rates

Product Rate APY View More
Star Money Market - 2.20%
Min Balance $250,000
Details Balance: $250,000.00 to $499,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Money Market - 2.20%
Min Balance $500,000
Details Balance: $500,000.000 and above
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Money Market - 2.15%
Min Balance $100,000
Details Balance: $100,000.00 to $249,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Money Market - 2.10%
Min Balance $50,000
Details Balance: $50,000.00 to $99,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Money Market - 1.90%
Min Balance $25,000
Details Balance: $25,000.00 to $49,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Money Market - 1.75%
Min Balance $2,500
Details Balance: $2,500.00 to $24,999.99
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Checking Rates

Product Rate APY View More
Cash Rewards Checking 3.95% 4.00%
Min Deposit $25
Min Balance $0
Details Qualifications Required: 12 signature-based Debit card purchases per cycle totaling at least $60.00 aggregate; log into online banking at least once per month; Qualifying balance up to $25,000.00; Average daily balances over $25,000 earn 0.50% rate on the portion of the average daily balance over $25,000, resulting in a range from 4.00% to 1.20% APY depending on the account's average daily balance.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Cash Rewards Checking - 4.00%
Min Balance $25
Details Published APY range: 4.00% to 1.20%.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Star Biz Checking Plus - 0.10%
Min Balance $50
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Cash Rewards Checking 0.05% 0.05%
Min Deposit $25
Details If qualifications are not met, earn 0.05% APY on total balance.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Cash Rewards Checking - 0.05%
Details Qualifications Required: Qualifications are not met; If qualifications are not met: earn 0.05% APY on total balance
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Vintage Checking - 0.05%
Min Balance $25
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Closed End Loans (Fixed Rate) - 80% LTV 5.75% - 5.75% 60 months
Details Loans (Fixed Rate) - 80% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 80% LTV 6.25% - 6.25% 120 months
Details Loans (Fixed Rate) - 80% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 90% LTV 6.75% - 6.75% 60 months
Details Loans (Fixed Rate) - 90% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan value 6.75% - 6.75%
Details Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan value
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 80% LTV 7.25% - 7.25% 180 months
Details Loans (Fixed Rate) - 80% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 90% LTV 8.25% - 8.25% 120 months
Details Loans (Fixed Rate) - 90% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 90% LTV 8.99% - 8.99% 180 months
Details Loans (Fixed Rate) - 90% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Home Equity Closed End Loans (Fixed Rate) - 100% LTV 10.24% - 10.24% 180 months
Details Loans (Fixed Rate) - 100% LTV (with closing costs)
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New or Used Vehicles Loan - - 5.49% up to 96 months
Details As Low As; up to 120% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
New or Used Powersports Vehicles Loan - - 6.99% up to 72 months
Details As Low As; up to 120% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New or Used Motorcycles Loan - 5.99% up to 96 months
Details As Low As; up to 120% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
New or Used Boat & RVs Loan - 7.30% up to 120 months
Details As Low As; up to 95% LTV
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Credit Card Rates

Product Rate APR View More
Visa Rewards Credit Card - 11.49%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Visa Secured Credit Card - 15.99%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Personal Loan Rates

Product APR Term View More
Signature Loans 9.39%
Details Term: Monthly Payment* Per Loan Policy; As Low As; additional conditions apply; ask for details
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%

Community Star Credit Union Other Rates

Product Rate Points APY/APR Term View More
Home Improvement Loan - - 7.40% Up to 180 months
Details As Low As; Up to $25,000.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
Youth Growth Certificate - - 3.70%
Min Balance $200
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.80%
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.
Powered by MonitorBankRates

Financial Health History

Community Star Credit Union’s Texas Ratio fell from 4.20% in Q2 2023 to 2.80% in Q1 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.

0% 1.0★ 1.9% 2.0★ 3.8% 3.0★ 5.6% 4.0★ 7.5% 5.0★ Healthy zone – entire history below the 15% limit 4.20% A+ Q2 2023 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 2.80% A+ Q1 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
March 31, 2026$103M2.80%5.0A+
December 31, 2025$102M5.26%5.0A+
September 30, 2025$101M3.73%5.0A+
June 30, 2025$101M4.58%5.0A+
March 31, 2025$100M2.31%5.0A+
December 31, 2024$99M3.97%5.0A+
September 30, 2024$98M3.54%5.0A+
June 30, 2024$97M2.65%5.0A+
March 31, 2024$97M2.89%5.0A+
December 31, 2023$96M4.79%5.0A+
September 30, 2023$95M5.58%5.0A+
June 30, 2023$94M4.20%5.0A+
Source: NCUA 5300 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 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 ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.80%
Return on Assets (ROA)
0.2435%
Return on Equity (ROE)
2.5432%
Non-Performing Loans Ratio (NPL)
0.45%
Total Assets
102,540,181
Total Amount of Shares and Deposits
90,870,407
Total Shares and Deposits < 1 Year
84,612,518
Total Shares and Deposits 1 3 Years
5,715,497
Total Shares and Deposits > 3 Years
542,392
Total Interest Expense (Sum of items 6 8)
312,727
Share Certificates
810
Number of Accounts for Share Drafts
4,294
IRA KEOGH Accounts
162
Number of Accounts for Regular Shares
9,957
All other shares
588
Money Market Shares
189
Net Income (unless the amount is already included in Undivided Earnings)
249,701
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)
4,465,729
Total Liabilities
92,721,627
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Community Star Credit Union 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/community-star-credit-union-rates-review-95008">
  <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 Community Star Credit Union 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 Community Star Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Community Star Credit Union

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.

Current Community Star Credit Union Rates

  • 12-Month CD3.70%
  • 18-Month CD3.70%
  • 24-Month CD3.75%
  • 60-Month CD3.85%
  • MMA1.75%
Retrieved from our database of financial products. Rates subject to change.

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