CDs & IRAs

Jar full of coins

A certificate of deposit (CD) is a key part of a diversified portfolio. CDs offer a predictable return in exchange for holding your deposit for a fixed time period. Our CDs can help you save for your financial goals, whether you’re looking to set aside money for a short term of 14 days or longer terms of up to five years – or anywhere in between.

CD Rates

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TERM APY MINIMUM BALANCE COMPOUND FREQUENCY
14 Days 0.05%¹ $5,000 At Maturity
1 Month 0.45%* $1,000 At Maturity
3 Months 0.50%* $1,000 At Maturity
6 Months 0.65%* $1,000 At Maturity
9 Months 0.75%* $1,000 Monthly
15 Months 0.95%* $1,000 Monthly
Special Offer 15 Month Special 2.35%² $10,000 Monthly
18 Months 1.10%* $1,000 Monthly
2 Years 1.30%* $1,000 Monthly
30 Months 1.40%* $1,000 Monthly
3 Years 1.50%* $1,000 Monthly
4 Years 1.60%* $1,000 Monthly
5 Years 1.75%* $1,000 Monthly

APY = Annual Percentage Rate

1 STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing.

2 APY quoted requires an active STAR checking relationship. APY effective 9/4/18. APY may change daily. Excludes IRA and Health Savings CDs. Minimum balance of $10,000 per CD. Maximum deposit $250,000 per CD. Penalty may apply for early withdrawal. Limited time offer.

*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active STAR checking relationship. If you do not have a STAR checking account, please deduct the following percent based on the CD term:


Percent CD Term
.05% Equal to or less than 12 months
.05% Between (and including) 15 & 30 months
.10% Greater than 30 months
Penalty may apply for early withdrawal. APY's are effective as of December 18, 2018.

Jumbo Insured CD (CDARs)

Take advantage of multi-million dollar FDIC insurance coverage with CDARS® (Certificate of Deposit Account Registry Service). With CDARS, we divide your deposits into amounts under the FDIC's dollar limit and place them into individual CDs issued by other banks in the CDARS network. You enjoy the convenience of one bank, one rate and one statement while maximizing your FDIC insurance coverage. A STAR Money Market Account is required to fund CDARS.


Individual Retirement Accounts (IRA)

It’s never too early to start planning your retirement. IRAs offer security and flexible investment options. We can help you choose the right IRA and provide the guidance and tools you need to get started.

Variable Rate IRA Savings
  • Interest rate is variable and may change daily
  • Deposits may be made at any time

Fixed Rate IRA CDs
  • Interest rate is established at opening and fixed for the term
  • Available terms range from 90 days to 5 years