Bank · FDIC insured
Five Star Bank Savings Rates
Five Star Bank’s best savings rate is 2.75% APY on $10,000, with its High Yield Money Market Account. Rates checked October 16, 2026.
How Five Star Bank’s savings 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
2.75%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $275
High Yield Money Market Account
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Five Star Bank savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0003.25%
- QualifiedQualified2.75%
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 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.
High Yield Money Market Account
2.75%APY
Applying online requires an initial deposit of at least $10,000 in new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days. For initial deposits less than $10,000, visit a local branch. Service charge of $10.00 per statement period does not apply when maintaining at least a $10,000 average ledger balance for the activity period.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. | 0.10% | — | Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. |
| $10,000 – $100,000Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. | 2.75% | $275 | Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. |
| $100,000 and upVariable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. | 3.25% | — | Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance. |
Sources (2)
- five-starbank.com/banking/pers…savings-and-money-market
- five-starbank.com/resources/personal-money-market-rates
All captured Oct 16, 2026
Classic Money Market
0.10%APY
Visit local branch to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Variable rate account. | 0.10% | — | Variable rate account. |
| $10,000 – $25,000Variable rate account. | 0.10% | $10 | Variable rate account. |
| $25,000 – $50,000Variable rate account. | 0.10% | — | Variable rate account. |
| $50,000 – $100,000Variable rate account. | 0.10% | — | Variable rate account. |
| $100,000 – $1,000,000Variable rate account. | 0.10% | — | Variable rate account. |
| $1,000,000 and upVariable rate account. | 0.10% | — | Variable rate account. |
Sources (1)
- five-starbank.com/resources/personal-money-market-rates · captured Oct 16, 2026
Special-purpose accounts
Club Account
0.05%APY
No monthly maintenance fees. Set aside money with automatic transfers. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fees. Variable rate account. Rate from Club Account section referencing shared table.Any balance | 0.05% | $5 | No monthly maintenance fees. Variable rate account. Rate from Club Account section referencing shared table. |
Sources (2)
- five-starbank.com/banking/pers…savings-and-money-market
- five-starbank.com/resources/personal-savings-rates
All captured Oct 6, 2026
Health Savings Account (HSA)
0.05%APY
Available to individuals with qualifying High-Deductible Health Plans (HDHP) who have no other health coverage, are not enrolled in Medicare, and cannot be claimed as a dependent. No application, maintenance, or minimum balance fees. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust have qualifying HDHP. No monthly maintenance fee, no application fee, no minimum balance fee. Variable rate account.Any balance | 0.05% | $5 | Must have qualifying HDHP. No monthly maintenance fee, no application fee, no minimum balance fee. Variable rate account. |
Sources (2)
- five-starbank.com/banking/pers…/health-savings-accounts
- five-starbank.com/resources/personal-savings-rates
All captured Oct 6, 2026
Home Savings Club
0.04%APY · 1 term
For first-time home buyers in NY State with qualifying income at or below 80% AMI who complete a homeownership course and make monthly deposits over a 10-24 month period. Bank matches $3 for every $1 saved up to $3,000 toward down payment/closing costs. Variable rate account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10–24 monthsFirst-time home buyer with qualifying income <= 80% AMI in NY State. $25 minimum opening deposit and required monthly deposits over 10-24 months. Bank matches $3 for every $1 saved up to $3,000 credit. Variable rate account | 0.04% | $3 |
Sources (2)
All captured Oct 6, 2026
Statement Savings Account
0.04%APY
Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person listed on the account is under 18 years old. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceService charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person is under 18 years old. Variable rate account.Any balance | 0.04% | $4 | Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person is under 18 years old. Variable rate account. |
Sources (2)
- five-starbank.com/banking/pers…savings-and-money-market
- five-starbank.com/resources/personal-savings-rates
All captured Oct 6, 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.