

Certificate of Deposit and IRA Rates
Term | Minimum Balance | Interest Rate% | APY%* |
---|---|---|---|
60 months |
$20,000
$10,000
$1,500
|
0.90%
0.75%
0.40%
|
0.90%
0.75%
0.40%
|
48 months |
$10,000
$1,500
|
0.75%
0.37%
|
0.75%
0.37%
|
36 months |
$10,000
$5,000
|
0.65%
0.35%
|
0.65%
0.35%
|
30 months |
$10,000
$1,500
|
0.55%
0.30%
|
0.55%
0.30%
|
24 months |
$10,000
$5,000
|
0.50%
0.25%
|
0.50%
0.25%
|
18 months |
$10,000
$1,500
|
0.45%
0.20%
|
0.45%
0.20%
|
12 months |
$10,000
$1,500
|
0.40%
0.20%
|
0.40%
0.20%
|
182 Day |
$10,000
$1,500
|
0.25%
0.15%
|
0.25%
0.15%
|
Student CD: 182 Day1 | $500 | 0.50% | 0.50% |
91 Day | $1,500 | 0.10% | 0.10% |
IRA2 & CESA2 | $25 | 0.60% | 0.60% |
IRA2
IRA2
IRA2
|
$80,000
$160,000
$250,000
|
0.75%
0.90%
1.00%
|
0.75%
0.90%
1.00%
|
*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings
A penalty may be imposed for early withdrawal
Fees could reduce earnings
1Must be a full-time high school or college student, OR 18 years of age or younger
2Variable Rate
Certificate of Deposit Specials
Term | Minimum Balance | Interest Rate% | APY%* |
---|---|---|---|
29 Month Special | $15,000 | 1.30% | 1.30% |
17 Month Special | $15,000 | 0.75% | 0.75% |
5 Month Special | $15,000 | 0.40% | 0.40% |
*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings
CD Specials on Personal Deposits Only
Checking Account Rates
Term | Minimum Balance | Interest Rate% | APY%* |
---|---|---|---|
GEM Club Checking1 | $750 | 0.15% | 0.15% |
Hi-Fi Checking1 | $2,500 | 0.25% | 0.25% |
NOW Checking1 | $750 | 0.15% | 0.15% |
STAR Checking1 | $0.01 - $4,000 | 5.00% | 5.12% |
STAR Checking1 | $4,000.01 or greater | 0.32% | 0.32% |
STAR Checking1 | Non-qualifying rate | 0.05% | 0.05% |
*APY=Annual Percentage Yield
Fees could reduce earnings
1Variable Rate
Fees could reduce earnings
1Variable Rate
Savings Account Rates
Term | Minimum Balance | Interest Rate% | APY%* |
---|---|---|---|
STAR Savings1 |
$0.01-$20,000
$20,000.01 or greater
|
1.00%
0.20%
|
1.00%
0.20%
|
STAR Savings1 | Non-qualifying rate | 0.05% | 0.05% |
Regular Savings1 | $100 | 0.10% |
0.10%
|
Savers Plus1 | $300,000 | 0.35% | 0.35% |
Savers Plus1 | $150,000 | 0.25% | 0.25% |
Savers Plus1 | $75,000 | 0.20% | 0.20% |
Savers Plus1 | $30,000 | 0.17% | 0.17% |
Savers Plus1 | $15,000 | 0.15% | 0.15% |
Savers Plus1 | $100 | 0.10% | 0.10% |
Junior Gems Savings1 | $100 | 0.22% | 0.22% |
Precious Gems Kids Club1 | $100 | 0.22% | 0.22% |
Christmas Club Savings1 | $100 | 0.30% | 0.30% |
*APY=Annual Percentage Yield
Fees could reduce earnings
1Variable Rate
Fees could reduce earnings
1Variable Rate
Health Savings Account Rates
Minimum Balance | Interest Rate% | APY%* |
---|---|---|
$25 | 1.00% | 1.00% |
*APY=Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees could reduce earnings
A penalty may be imposed for early withdrawal
Fees could reduce earnings