Bank · FDIC insured
Five Star Bank CD Rates
Five Star Bank’s best CD rate is 3.75% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Five Star Bank’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Five Star Bank has the most branches. $10,000, best rate first.
This bank’s best
Five Star Bank
3.75%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $343
Special CD
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Five Star Bank CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.40%
- QualifiedQualified3.75%
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 Five Star 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.
Special CD
Up to 3.75%APY · 3 terms
For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 4 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$2.5k3.00% $2.5k–$10k3.00% $25k–$250k | $99 |
| 7 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$2.5k3.00% $2.5k–$10k3.00% $25k–$250k | $174 |
| 11 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$2.5k3.75% $2.5k–$10k3.75% $25k–$250k | $343 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 2026
Fixed Rate CD - Standard Rates
Up to 0.40%APY · 12 terms
Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $2 |
| 6 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $5 |
| 9 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $7 |
| 12 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $20 |
| 15 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $25 |
| 18 months | 0.25% | 0.25% | 0.25% | 0.25% | 0.25%0.25% $500–$2.5k0.25% $2.5k–$10k0.25% $25k–$250k | $38 |
| 24 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $60 |
| 30 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $75 |
| 32 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $94 |
| 36 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $105 |
| 48 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $161 |
| 60 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $202 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 2026
Special-purpose accounts
Special IRA CD
Up to 3.75%APY · 3 terms
For IRAs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 4 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$2.5k3.00% $2.5k–$10k3.00% $25k–$250k | $99 |
| 7 months | 3.00% | 3.00% | 3.00% | 3.00% | 3.00%3.00% $500–$2.5k3.00% $2.5k–$10k3.00% $25k–$250k | $174 |
| 11 months | 3.75% | 3.75% | 3.75% | 3.75% | 3.75%3.75% $500–$2.5k3.75% $2.5k–$10k3.75% $25k–$250k | $343 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 2026
Fixed Rate IRA - Standard Rates
Up to 0.40%APY · 12 terms
Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $2 |
| 6 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $5 |
| 9 months | 0.10% | 0.10% | 0.10% | 0.10% | 0.10%0.10% $500–$2.5k0.10% $2.5k–$10k0.10% $25k–$250k | $7 |
| 12 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $20 |
| 15 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $25 |
| 18 months | 0.25% | 0.25% | 0.25% | 0.25% | 0.25%0.25% $500–$2.5k0.25% $2.5k–$10k0.25% $25k–$250k | $38 |
| 24 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $60 |
| 30 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $75 |
| 32 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $94 |
| 36 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $105 |
| 48 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $161 |
| 60 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $202 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 2026
Closed to new customers
Fixed Rate CD - Premier Rates
Up to 0.50%APY · 12 terms
Must be a Five Star Bank Premier or Business Checking Account holder to be eligible for Premier rates. Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $5 |
| 6 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $10 |
| 9 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $15 |
| 12 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $30 |
| 15 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $38 |
| 18 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $53 |
| 24 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $80 |
| 30 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $100 |
| 32 months | 0.45% | 0.45% | 0.45% | 0.45% | 0.45%0.45% $500–$2.5k0.45% $2.5k–$10k0.45% $25k–$250k | $120 |
| 36 months | 0.45% | 0.45% | 0.45% | 0.45% | 0.45%0.45% $500–$2.5k0.45% $2.5k–$10k0.45% $25k–$250k | $136 |
| 48 months | 0.50% | 0.50% | 0.50% | 0.50% | 0.50%0.50% $500–$2.5k0.50% $2.5k–$10k0.50% $25k–$250k | $202 |
| 60 months | 0.50% | 0.50% | 0.50% | 0.50% | 0.50%0.50% $500–$2.5k0.50% $2.5k–$10k0.50% $25k–$250k | $253 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 2026
Fixed Rate IRA - Premier Rates
Up to 0.50%APY · 12 terms
Must be a Five Star Bank Premier or Business Checking Account holder to be eligible for Premier rates. Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
| Term | APY · $500 – $2,500 | APY · $2,500 – $10,000 | APY · $10,000 – $25,000 | APY · $25,000 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $5 |
| 6 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $10 |
| 9 months | 0.20% | 0.20% | 0.20% | 0.20% | 0.20%0.20% $500–$2.5k0.20% $2.5k–$10k0.20% $25k–$250k | $15 |
| 12 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $30 |
| 15 months | 0.30% | 0.30% | 0.30% | 0.30% | 0.30%0.30% $500–$2.5k0.30% $2.5k–$10k0.30% $25k–$250k | $38 |
| 18 months | 0.35% | 0.35% | 0.35% | 0.35% | 0.35%0.35% $500–$2.5k0.35% $2.5k–$10k0.35% $25k–$250k | $53 |
| 24 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $80 |
| 30 months | 0.40% | 0.40% | 0.40% | 0.40% | 0.40%0.40% $500–$2.5k0.40% $2.5k–$10k0.40% $25k–$250k | $100 |
| 32 months | 0.45% | 0.45% | 0.45% | 0.45% | 0.45%0.45% $500–$2.5k0.45% $2.5k–$10k0.45% $25k–$250k | $120 |
| 36 months | 0.45% | 0.45% | 0.45% | 0.45% | 0.45%0.45% $500–$2.5k0.45% $2.5k–$10k0.45% $25k–$250k | $136 |
| 48 months | 0.50% | 0.50% | 0.50% | 0.50% | 0.50%0.50% $500–$2.5k0.50% $2.5k–$10k0.50% $25k–$250k | $202 |
| 60 months | 0.50% | 0.50% | 0.50% | 0.50% | 0.50%0.50% $500–$2.5k0.50% $2.5k–$10k0.50% $25k–$250k | $253 |
Sources (1)
- five-starbank.com/resources/cd-and-ira-rates · captured Oct 5, 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.