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Five Star Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.five-starbank.com
877-226-5578
55 North Main Street
Warsaw, NY 14569

Five Star Bank is headquartered in WARSAW and is the 21st largest bank in the state of New York. It is also the 237th largest bank in the nation. It was established in 1881 and as of March of 2025, it had grown to 583 employees at 49 locations. Five Star Bank's money market rates are 9X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #659
Year Established1881
Employees583
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD12.05%
Annual Interest Income$81.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.3B$6.26B
LoansQ1 2025vs Q1 2024$4.5B$4.4B
DepositsQ1 2025vs Q1 2024$5.42B$5.42B
Equity CapitalQ1 2025vs Q1 2024$616.4MM$474.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$49MM$43.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$39.5MM$25.9MM
Real Estate OwnedQ1 2025vs Q1 2024$196K$140K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/26/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Five Star Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Health Savings Account
0.05%$0-Club Account
0.04%$0-Statement Savings
0.04%$0-Business Savings
0.04%$0-Home Savings Club

Five Star Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%*$100k*-High Yield Money Market - New Money
OTHER TIERS: 3.50% → $10k - $100k
0.20%*$2.5k*-Business Money Market
OTHER TIERS: 0.15% → $0 - $2.5k
0.10%$0-Money Market

Five Star Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-NOW Business Checking
0.07%*$25k*-Premier Checking
OTHER TIERS: 0.05% → $0 - $25k

Five Star Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500$250k7 Month CD Special
4.00%$500$250kBusiness 7 Month CD Special
3.75%$500$250k11 Month CD Special
3.75%$500$250kBusiness 11 Month CD Special
3.75%$500$250k4 Month CD Special
3.75%$500$250kBusiness 4 Month CD Special
0.50%$500$250k48 Month Premier CD
0.50%$500$250k60 Month Premier CD
0.50%$500$250kBusiness 48 Month Premier CD
0.50%$500$250kBusiness 60 Month Premier CD
0.45%$500$250k36 Month Premier CD
0.45%$500$250kBusiness 36 Month Premier CD
0.45%$500$250k32 Month Premier CD
0.45%$500$250kBusiness 32 Month Premier CD
0.40%$500$250k48 Month CD
0.40%$500$250k60 Month CD
0.40%$500$250k24 Month Premier CD
0.40%$500$250k30 Month Premier CD
0.40%$500$250kBusiness 24 Month Premier CD
0.40%$500$250kBusiness 30 Month Premier CD
0.40%$500$250kBusiness 48 Month CD
0.40%$500$250kBusiness 60 Month CD
0.35%$500$250k36 Month CD
0.35%$500$250k18 Month Premier CD
0.35%$500$250kBusiness 18 Month Premier CD
0.35%$500$250kBusiness 36 Month CD
0.35%$500$250k32 Month CD
0.35%$500$250kBusiness 32 Month CD
0.30%$500$250k24 Month CD
0.30%$500$250k30 Month CD
0.30%$500$250k12 Month Premier CD
0.30%$500$250k15 Month Premier CD
0.30%$500$250kBusiness 12 Month Premier CD
0.30%$500$250kBusiness 15 Month Premier CD
0.30%$500$250kBusiness 24 Month CD
0.30%$500$250kBusiness 30 Month CD
0.25%$500$250k18 Month CD
0.25%$500$250kBusiness 18 Month CD
0.20%$500$250k12 Month CD
0.20%$500$250k15 Month CD
0.20%$500$250k3 Month Premier CD
0.20%$500$250k6 Month Premier CD
0.20%$500$250k9 Month Premier CD
0.20%$500$250kBusiness 3 Month Premier CD
0.20%$500$250kBusiness 6 Month Premier CD
0.20%$500$250kBusiness 9 Month Premier CD
0.20%$500$250kBusiness 12 Month CD
0.20%$500$250kBusiness 15 Month CD
0.10%$500$250k3 Month CD
0.10%$500$250k6 Month CD
0.10%$500$250k9 Month CD
0.10%$500$250kBusiness 3 Month CD
0.10%$500$250kBusiness 6 Month CD
0.10%$500$250kBusiness 9 Month CD

Five Star Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500$250k7 Month IRA Special
4.00%$500$250kBusiness 7 Month IRA Special
3.75%$500$250k11 Month IRA Special
3.75%$500$250kBusiness 11 Month IRA Special
3.75%$500$250k4 Month IRA Special
3.75%$500$250kBusiness 4 Month IRA Special
0.50%$500$250k48 Month Premier IRA
0.50%$500$250k60 Month Premier IRA
0.45%$500$250k36 Month Premier IRA
0.45%$500$250k32 Month Premier IRA
0.40%$500$250k24 Month Premier IRA
0.40%$500$250k30 Month Premier IRA
0.40%$500$250k48 Month IRA
0.40%$500$250k60 Month IRA
0.35%$500$250k18 Month Premier IRA
0.35%$500$250k36 Month IRA
0.35%$500$250k32 Month IRA
0.30%$500$250k12 Month Premier IRA
0.30%$500$250k15 Month Premier IRA
0.30%$500$250k24 Month IRA
0.30%$500$250k30 Month IRA
0.25%$500$250k18 Month IRA
0.20%$500$250k3 Month Premier IRA
0.20%$500$250k6 Month Premier IRA
0.20%$500$250k9 Month Premier IRA
0.20%$500$250k12 Month IRA
0.20%$500$250k15 Month IRA
0.10%$500$250k3 Month IRA
0.10%$500$250k6 Month IRA
0.10%$500$250k9 Month IRA
Locations

Availability



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