Bank · FDIC insured
5Star Bank Savings Rates
5Star Bank’s best savings rate is 0.75% APY on $10,000, with its Personal Savings Account. Rates checked October 22, 2026.
How 5Star Bank’s savings 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
0.75%APY
- Requires
- None
- Earns on $10,000 a year
- $75
Personal Savings Account
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Earns on $10,000 a year
- $371
2nd-highest rate
Credit Union of Colorado
3.30%APY
- Requires
- Another account
- Earns on $10,000 a year
- $330
5Star Bank savings score
83
Savings score
Higher than 62% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.70%APY
Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance. Up to 6 pre-authorized debits each month; excess transactions may be subject to a fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $9,999Minimum balance to receive quoted APY is $1,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 0.50% | — | Minimum balance to receive quoted APY is $1,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $10,000 – $24,999Minimum balance to receive quoted APY is $10,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 0.70% | $70 | Minimum balance to receive quoted APY is $10,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $25,000 – $49,999Minimum balance to receive quoted APY is $25,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 0.85% | — | Minimum balance to receive quoted APY is $25,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $50,000 – $99,999Minimum balance to receive quoted APY is $50,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 1.10% | — | Minimum balance to receive quoted APY is $50,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $100,000 – $249,999Minimum balance to receive quoted APY is $100,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 1.35% | — | Minimum balance to receive quoted APY is $100,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $250,000 – $499,999Minimum balance to receive quoted APY is $250,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 1.50% | — | Minimum balance to receive quoted APY is $250,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $500,000 – $999,999Minimum balance to receive quoted APY is $500,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 1.70% | — | Minimum balance to receive quoted APY is $500,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
| $1,000,000 and upMinimum balance to receive quoted APY is $1,000,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. | 2.25% | — | Minimum balance to receive quoted APY is $1,000,000. Avoid $5 monthly service fee by maintaining a $1,000 average monthly balance (minimum balance to avoid service charge is $1,000). Interest is calculated using the average daily balance method. |
Sources (3)
- 5star.bank/personal/personal-savings
- 5star.bank/personal/personal-savings/money-market.html
- 5star.bank/rates.html
All captured Oct 22, 2026
Personal Savings Account
0.75%APY
Limit of six withdrawals per month; in-person withdrawals do not count towards this limit. $2.00 monthly service fee if the average daily balance drops below $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest calculated using daily balance method, credited per statement cycle. $2.00 monthly service fee if the average daily balance drops below $100.Any balance | 0.75% | $75 | Interest calculated using daily balance method, credited per statement cycle. $2.00 monthly service fee if the average daily balance drops below $100. |
Sources (3)
- 5star.bank/personal/personal-savings
- 5star.bank/personal/personal-s…nal-savings-account.html
- 5star.bank/rates.html
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.