Bank · FDIC insured
5Star Bank CD Rates
5Star Bank’s best CD rate is 2.80% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How 5Star Bank’s CD rates compare
Compared with banks and credit unions near Colorado Springs, CO, where 5Star Bank has the most branches. $10,000, best rate first.
This bank’s best
5Star Bank
2.80%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $423
Certificates of Deposit (CDs)
Top rate
Academy Bank
4.40%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
5Star Bank CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.60%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo2.80%
- 31–60 months31–60 mo2.35%
- QualifiedQualified2.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where 5Star Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 2.80%APY · 8 terms
No setup, monthly, or annual maintenance fees. Early withdrawals subject to penalty. Interest calculated using average daily balance method. Open in branch, by mail, or wire transfer.
| Term | APY · $1,000 – $24,999 | APY · $1,000 and up | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsFixed rate. Early withdrawal penalty applies | 2.60% | — | 2.60% | 2.60%2.60% from $25k | $129 |
| 12 monthsFixed rate. Early withdrawal penalty applies | — | 2.75% | — | 2.75% | $275 |
| 18 monthsFixed rate. Early withdrawal penalty applies | — | 2.80% | — | 2.80% | $423 |
| 24 monthsFixed rate. Early withdrawal penalty applies | — | 2.60% | — | 2.60% | $527 |
| 30 monthsFixed rate. Early withdrawal penalty applies | — | 2.55% | — | 2.55% | $650 |
| 36 monthsFixed rate. Early withdrawal penalty applies | — | 2.35% | — | 2.35% | $722 |
| 48 monthsFixed rate. Early withdrawal penalty applies | — | 2.25% | — | 2.25% | $931 |
| 60 monthsFixed rate. Early withdrawal penalty applies | — | 2.25% | — | 2.25% | $1,177 |
Sources (3)
- 5star.bank/personal/personal-savings
- 5star.bank/personal/personal-s…ates-of-deposit-cds.html
- 5star.bank/rates.html
All captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 5.11%APY · 7 terms
Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. Early withdrawal penalties apply. Variable rate accounts indexed to Treasury Securities with matching maturities adjusted monthly. Fixed rates single fixed rate for term length.
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.75% | 2.75% | $275 |
| 18 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.80% | 2.80% | $423 |
| 24 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.60% | 2.60% | $527 |
| 24 monthsVariable rate IRA. Indexed to Treasury Securities with matching maturities and adjusted monthly. Additional deposits allowed in increments of $100. Early withdrawal penalties apply | 4.86% | — | 4.86% | $996 |
| 30 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.55% | 2.55% | $650 |
| 36 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.35% | 2.35% | $722 |
| 36 monthsVariable rate IRA. Indexed to Treasury Securities with matching maturities and adjusted monthly. Additional deposits allowed in increments of $100. Early withdrawal penalties apply | 4.96% | — | 4.96% | $1,563 |
| 48 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.25% | 2.25% | $931 |
| 60 monthsFixed rate IRA. Early withdrawal penalty applies. Traditional and Roth options | — | 2.25% | 2.25% | $1,177 |
| 60 monthsVariable rate IRA. Indexed to Treasury Securities with matching maturities and adjusted monthly. Additional deposits allowed in increments of $100. Early withdrawal penalties apply | 5.11% | — | 5.11% | $2,830 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.