Bank · FDIC insured
STAR Financial Bank Savings Rates
STAR Financial Bank’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How STAR Financial Bank’s savings rates compare
Compared with banks and credit unions near Indianapolis, IN, where STAR Financial Bank has the most branches. $10,000, best rate first.
This bank’s best
STAR Financial Bank
0.05%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $5
Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
STAR Financial Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.75%
- QualifiedQualified0.05%
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 STAR Financial 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 Preferred
0.02%APY
Maximum of 6 withdrawals per month. $20.00 monthly fee applies unless you maintain a minimum balance of $10,000 or maintain an average collected balance of $30,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. | 0.02% | $2 | Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. |
| $25,000 – $50,000Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. | 2.65% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. |
| $50,000 – $100,000Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. | 2.65% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. |
| $100,000 – $2,500,000Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. | 2.75% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. |
| $2,500,000 and upVariable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. | 2.75% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $20.00 monthly service fee waived if maintaining a minimum balance of $10,000 or an average collected balance of $30,000. |
Money Market
0.05%APY
Maximum of 6 withdrawals per month. $8.00 monthly fee applies unless you maintain a minimum balance of $2,500 or have an average daily balance of $7,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Variable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. | 0.01% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. |
| $2,500 – $10,000Variable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. | 0.03% | — | Variable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. |
| $10,000 and upVariable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. | 0.05% | $5 | Variable rate product, rates are subject to change without notice any time including after account opening. $8.00 monthly service fee waived if maintaining a minimum balance of $2,500 or an average daily balance of $7,500. |
Regular Savings
0.02%APY
Interest paid semi-annually. $4.00 monthly fee applies when you do not maintain a minimum balance of $300 or have an active checking account with a combined statement. Maximum of 6 withdrawals per month ($5 fee for each additional withdrawal).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000,000Monthly fee of $4.00 waived by maintaining a minimum balance of $300 or having an active checking account with a combined statement.Up to $1,000,000,000 | 0.02% | $2 | Monthly fee of $4.00 waived by maintaining a minimum balance of $300 or having an active checking account with a combined statement. |
Sources (3)
- starfinancial.com/account-opening-disclosures
- starfinancial.com/personal-accounts-2
- starfinancial.com/personal/resources/rates
All captured Sep 18, 2026
Special-purpose accounts
College Bound Savings
0.10%APY
Interest paid annually. Withdrawals may only be made at age 18 or with proof of high school graduation; early withdrawal penalties apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000,000No monthly service fee. Penalty-free withdrawals only at age 18 or with proof of high school graduation.Up to $1,000,000,000 | 0.10% | $10 | No monthly service fee. Penalty-free withdrawals only at age 18 or with proof of high school graduation. |
Sources (2)
All captured Sep 18, 2026
COSMO's Kids Club
0.02%APY
Designed for children 12 and under. At age 13, account automatically transfers into a minor Regular Savings account. No monthly service fee or set-up fee. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000,000For children 12 and under.Up to $1,000,000,000 | 0.02% | $2 | For children 12 and under. |
Sources (3)
- starfinancial.com/account-opening-disclosures
- starfinancial.com/personal-accounts-2
- starfinancial.com/personal/resources/rates
All captured Sep 18, 2026
Club SaveAway
0.02%APY
STAR Checking account relationship required (waived for children under age 18). One account per checking relationship. Matures in early October. Early withdrawal results in account closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000,000Monthly fee of $5.00 waived with a monthly auto-transfer from a STAR Bank Checking account of $10.00 or more. Variable interest rate compounded and paid monthly.Up to $1,000,000,000 | 0.02% | $2 | Monthly fee of $5.00 waived with a monthly auto-transfer from a STAR Bank Checking account of $10.00 or more. Variable interest rate compounded and paid monthly. |
Sources (2)
All captured Sep 18, 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.