APY Ledger

Five Star Bank (New York) CD Rates — October 2026

As of October 22, 2026, Five Star Bank (New York)'s highest tracked CD rate is 3.75% APY on an 11-month promotional CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.10% to 0.40% APY.

Last verified from www.five-starbank.com · FDIC-insured bank · Rochester, NY

Tracking began .

Best APY3.75%11 months, $500 min
vs. Treasury−0.79%same-term Treasury 4.54%
vs. national average2.1×FDIC national average 1.76%
After inflation0.01%CPI 3.7% year over year
$10,000 earns$344over 11 months, before tax

Five Star Bank (New York) CD rates

Includes 4-, 7- and 11-month special CDs plus fixed-rate Standard and Premier CD rates, quoted by balance tier up to $250,000. Premier rates require a Five Star Bank Premier or Business Checking account. A $500 minimum deposit is required; CDs are opened at a branch. Early withdrawal penalties may apply.

Five Star Bank (New York) CD rates
TermProductMinimumAPYvs. Treasury
3 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.20%Top 90% · $10k reference sampleVerified October 22, 2026 −4.09%
3 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.10%Top 93% · $10k reference sampleVerified October 22, 2026 −4.20%
4 months Special CD Promotional $500same APY in 4 balance tiers 3.00%Verified October 22, 2026 −1.39%
6 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.20%Top 96% · $10k reference sampleVerified October 22, 2026 −4.20%
6 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.10%Top 98% · $10k reference sampleVerified October 22, 2026 −4.30%
7 months Special CD Promotional $500same APY in 4 balance tiers 3.00%Verified October 22, 2026 −1.43%
9 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.20%Top 97% · $10k reference sampleVerified October 22, 2026 −4.28%
9 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.10%Top 98% · $10k reference sampleVerified October 22, 2026 −4.38%
11 months Special CD Promotional $500same APY in 4 balance tiers 3.75%Verified October 22, 2026 −0.79%
12 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.30%Top 95% · $10k reference sampleVerified October 22, 2026 −4.27%
12 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.20%Top 97% · $10k reference sampleVerified October 22, 2026 −4.37%
15 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.30%Verified October 22, 2026 −4.35%
15 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.20%Verified October 22, 2026 −4.45%
18 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.35%Top 93% · $10k reference sampleVerified October 22, 2026 −4.37%
18 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.25%Top 95% · $10k reference sampleVerified October 22, 2026 −4.47%
24 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.40%Top 93% · $10k reference sampleVerified October 22, 2026 −4.47%
24 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.30%Top 95% · $10k reference sampleVerified October 22, 2026 −4.57%
30 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.40%Verified October 22, 2026 −4.51%
30 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.30%Verified October 22, 2026 −4.61%
32 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.45%Verified October 22, 2026 −4.47%
32 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.35%Verified October 22, 2026 −4.57%
36 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.45%Top 90% · $10k reference sampleVerified October 22, 2026 −4.50%
36 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.35%Top 94% · $10k reference sampleVerified October 22, 2026 −4.60%
48 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.50%Top 91% · $10k reference sampleVerified October 22, 2026 −4.48%
48 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.40%Top 94% · $10k reference sampleVerified October 22, 2026 −4.58%
60 months Fixed Rate CD & IRA - Premier Rates Relationship $500same APY in 4 balance tiers 0.50%Top 94% · $10k reference sampleVerified October 22, 2026 −4.51%
60 months Fixed Rate CD & IRA - Standard Rates $500same APY in 4 balance tiers 0.40%Top 94% · $10k reference sampleVerified October 22, 2026 −4.61%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 3.75% APY (11 months). The standard rate for a similar term is 0.20% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $355 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal · Set a maturity reminder

What are Five Star Bank (New York)'s best CD rates by term?

Five Star Bank (New York)'s best rate is 3.75% APY on 11 months, verified October 22, 2026.

  1. 3 mo0.20%
  2. 4 mo3.00%
  3. 6 mo0.20%
  4. 7 mo3.00%
  5. 9 mo0.20%
  6. 11 mo3.75%
  7. 12 mo0.30%
  8. 15 mo0.30%
  9. 18 mo0.35%
  10. 24 mo0.40%
  11. 30 mo0.40%
  12. 32 mo0.45%
  13. 36 mo0.45%
  14. 48 mo0.50%
  15. 60 mo0.50%

Calculate earnings at 3.75% for 11 months

How much interest could a Five Star Bank (New York) CD earn?

Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.

$343.65 interest · $10,343.65 at maturity on $10,000.00.

3.75% APY · 11 months · Special CD · Promotional · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term$5,000$10,000$25,000$50,000
3 months$2.490.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$4.980.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$12.460.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$24.910.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
4 months$49.643.00% APY · Special CD · Promotional$99.293.00% APY · Special CD · Promotional$248.223.00% APY · Special CD · Promotional$496.443.00% APY · Special CD · Promotional
6 months$5.010.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$10.020.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$25.060.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$50.110.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
7 months$87.003.00% APY · Special CD · Promotional$173.993.00% APY · Special CD · Promotional$434.983.00% APY · Special CD · Promotional$869.953.00% APY · Special CD · Promotional
9 months$7.500.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$15.010.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$37.520.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$75.050.20% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
11 months$171.833.75% APY · Special CD · Promotional$343.653.75% APY · Special CD · Promotional$859.143.75% APY · Special CD · Promotional$1,718.273.75% APY · Special CD · Promotional
12 months$15.000.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$30.000.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$75.000.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$150.000.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
15 months$18.750.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$37.490.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$93.730.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$187.470.30% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
18 months$26.300.35% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$52.590.35% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$131.490.35% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$262.970.35% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
24 months$40.080.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$80.160.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$200.400.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$400.800.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
30 months$50.180.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$100.360.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$250.890.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$501.780.40% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
32 months$60.200.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$120.410.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$301.020.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$602.040.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
36 months$67.800.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$135.610.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$339.020.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$678.040.45% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
48 months$100.750.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$201.510.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$503.760.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$1,007.530.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship
60 months$126.260.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$252.510.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$631.280.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship$1,262.560.50% APY · Fixed Rate CD & IRA - Premier Rates · Relationship

How Five Star Bank (New York) compares

Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 26 of 40 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Five Star Bank (New York) CD rate comparison
Institution / benchmarkTermMinimumQuote coverageAPYVerified / source date
Five Star Bank (New York) (this institution)Special CD · Promotional11 months$500 Coverage: NY3.75%October 22, 2026
Capital One360 CD · Promotional11 monthsNot stated Nationwide; check eligibility4.40%October 22, 2026
Webster BankPrivate 11 Month · Promotional11 months$500 Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI4.25%October 22, 2026
Wells Fargo11 month Special Fixed Rate CD - Relationship · Relationship11 months$5,000 New York, NY · ZIP 100014.25%October 22, 2026
Happen Bank (highest tracked APY for this term)CD · Promotional11 months$500 Coverage: CA, UT4.65%October 22, 2026
Treasury (APY-equivalent)11 months (term-matched estimate)Depends on purchase methodFederal; interest exempt from state income tax4.54%2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Five Star Bank (New York) on October 22, 2026.

About Five Star Bank (New York)

Legal name
Five Star Bank
Regulator ID
FDIC 659
Headquarters
Rochester, NY
Available in
NY
Total assets
$6.3 billion
Also known as
Website
www.five-starbank.com

Source: rates read from https://www.five-starbank.com/resources/cd-and-ira-rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Five Star Bank (New York)?

Among the rates we track, 3.75% APY on an 11-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Five Star Bank (New York) CD?

The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $25,000.

How does Five Star Bank (New York)'s best CD rate compare with Treasury yields?

3.75% APY is −0.79% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 3.75% a good CD rate?

It is 2.1 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Five Star Bank (New York) CDs insured?

Five Star Bank (New York) is an FDIC-insured bank (FDIC 659). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Five Star Bank (New York)'s rate page every day. The rates above were last verified on October 22, 2026.

More bank CD rates

Rates are copied from Five Star Bank (New York)'s website and may change at any time. Confirm terms, minimums and eligibility with Five Star Bank (New York) before opening an account. This page is not financial advice.