Bank · FDIC insured
OakStar Bank Savings Rates
OakStar Bank’s best savings rate is 2.00% APY, with its Star Rewards Cash Back Savings Account, with extra requirements. Rates checked October 16, 2026.
How OakStar Bank’s savings rates compare
Compared with banks and credit unions near Springfield, MO, where OakStar Bank has the most branches. $10,000, best rate first.
This bank’s best
OakStar Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Star Rewards Cash Back Savings Account
Top rate
Metro Credit Union
5.09%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $509
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
OakStar Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified2.00%
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 OakStar 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.
Star Rewards Cash Back Savings Account
Up to 2.00%APY
Must have a linked Star Rewards Cash Back Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY. | 2.00% | $200 | When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY. |
| Any balanceBase rate applied to entire account balance if qualifications are not met during qualification cycle. | 0.05% | $5 | Base rate applied to entire account balance if qualifications are not met during qualification cycle. |
Sources (1)
- oakstarbank.com/personal/savings · captured Sep 17, 2026
Star Rewards Interest Savings Account
Up to 2.00%APY
Must have a linked Star Rewards Interest Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY. | 2.00% | $200 | When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY. |
| Any balanceBase rate applied to entire account balance if qualifications are not met during qualification cycle. | 0.05% | $5 | Base rate applied to entire account balance if qualifications are not met during qualification cycle. |
Sources (1)
- oakstarbank.com/personal/savings · captured Sep 17, 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.