Credit union · NCUA insured
Five Star Federal Credit Union Savings Rates
Five Star Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Primary Savings (Share Savings). Rates checked October 22, 2026.
How Five Star Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Baltimore, MD, where Five Star Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Five Star Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Primary Savings (Share Savings)
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
CFG Bank
4.05%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $405
Five Star Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Primary Savings (Share Savings)
0.10%APY
Open membership with a Share Savings account and maintain at least $5.00 in the account. ATM card available for a $5 fee. $5 monthly fee applies to Share Savings accounts with no activity for 3 years (dormant).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- fivestarfcu.org/accounts/savings
- fivestarfcu.org/schedule-of-fees
- fivestarfcu.org/accounts/dividend-rates
All captured Oct 7, 2026
Special-purpose accounts
Christmas Club
0.10%APY · 1 term
12-month savings plan with bi-weekly contributions set by member. Sign up in September; distributions made in early October and transferred to Share Savings account. 10% penalty on early withdrawal amount, deductions stop, and account closes upon early withdrawal. Payroll deduction not available for Saint Agnes Hospital employees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months10% penalty on early withdrawal amount. Sign up in September; distributed in October | 0.10% | $10 |
Sources (3)
- fivestarfcu.org/accounts/savings
- fivestarfcu.org/schedule-of-fees
- fivestarfcu.org/accounts/dividend-rates
All captured Oct 7, 2026
IRA / Education Savings Account
0.10%APY
Open in a branch office. Eligible to contribute if earned income matches contribution amount. No minimum balance requirement for IRA Share Account. Penalty for early withdrawal; IRAs also subject to IRS penalties. Includes Traditional IRA, Roth IRA, and Coverdell Education Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- fivestarfcu.org/accounts/iras · captured Oct 7, 2026
Planners Club
0.10%APY · 1 term
12-month savings plan with bi-weekly contributions set by member. Sign up in June; distributions made in July and transferred to Share Savings account. 10% penalty on early withdrawal amount, deductions stop, and account closes upon early withdrawal. Payroll deduction not available for Saint Agnes Hospital employees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months10% penalty on early withdrawal amount. Sign up in June; distributed in July | 0.10% | $10 |
Sources (3)
- fivestarfcu.org/accounts/savings
- fivestarfcu.org/schedule-of-fees
- fivestarfcu.org/accounts/dividend-rates
All captured Oct 7, 2026
Who can join Five Star Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.