STAR Financial Bank CD Rates — October 2026
As of October 22, 2026, STAR Financial Bank's highest tracked CD rate is 3.75% APY on a 15-month relationship CD ($1,000 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
With $10,000 and no relationship requirement: 0.03% on 14 days
STAR Financial Bank CD rates
CDs from 14 days to 5 years with a $1,000 minimum ($5,000 for the 14-day STAR Power CD). Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 14 days | Certificate of Deposit | $5,000 | 0.03% | −4.10% | Verified October 22, 2026 |
| 1 month | Certificate of Deposit Relationship | $1,000 | 0.07% | −4.06% | Verified October 22, 2026 |
| 3 months | Certificate of Deposit Relationship | $1,000 | 2.35% | −1.94% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit Relationship | $1,000 | 2.50% | −1.90% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit Relationship | $1,000 | 3.65% | −0.83% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit Relationship | $1,000 | 3.70% | −0.87% | Verified October 22, 2026 |
| 15 months | Certificate of Deposit Relationship | $1,000 | 3.75% | −0.90% | Verified October 22, 2026 |
| 18 months | Certificate of Deposit Relationship | $1,000 | 2.75% | −1.97% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit Relationship | $1,000 | 2.75% | −2.12% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit Relationship | $1,000 | 2.75% | −2.16% | Verified October 22, 2026 |
| 36 months | Certificate of Deposit Relationship | $1,000 | 2.75% | −2.20% | Verified October 22, 2026 |
| 48 months | Certificate of Deposit Relationship | $1,000 | 2.50% | −2.48% | Verified October 22, 2026 |
| 60 months | Certificate of Deposit Relationship | $1,000 | 2.00% | −3.01% | Verified October 22, 2026 |
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.
What are STAR Financial Bank's best CD rates by term?
STAR Financial Bank's best rate is 3.75% APY on 15 months, verified October 22, 2026.
- 14 days0.03%
- 1 mo0.07%
- 3 mo2.35%
- 6 mo2.50%
- 9 mo3.65%
- 12 mo3.70%
- 15 mo3.75%
- 18 mo2.75%
- 24 mo2.75%
- 30 mo2.75%
- 36 mo2.75%
- 48 mo2.50%
- 60 mo2.00%
How much interest could a STAR Financial Bank 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.
$470.66 interest · $10,470.66 at maturity on $10,000.00.
3.75% APY · 15 months · Certificate of Deposit · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 14 days | $0.060.03% APY · Certificate of Deposit · Standard | $0.120.03% APY · Certificate of Deposit · Standard | $0.290.03% APY · Certificate of Deposit · Standard | $0.580.03% APY · Certificate of Deposit · Standard |
| 1 month | $0.290.07% APY · Certificate of Deposit · Relationship | $0.580.07% APY · Certificate of Deposit · Relationship | $1.440.07% APY · Certificate of Deposit · Relationship | $2.880.07% APY · Certificate of Deposit · Relationship |
| 3 months | $29.042.35% APY · Certificate of Deposit · Relationship | $58.082.35% APY · Certificate of Deposit · Relationship | $145.202.35% APY · Certificate of Deposit · Relationship | $290.402.35% APY · Certificate of Deposit · Relationship |
| 6 months | $62.292.50% APY · Certificate of Deposit · Relationship | $124.572.50% APY · Certificate of Deposit · Relationship | $311.432.50% APY · Certificate of Deposit · Relationship | $622.852.50% APY · Certificate of Deposit · Relationship |
| 9 months | $136.393.65% APY · Certificate of Deposit · Relationship | $272.773.65% APY · Certificate of Deposit · Relationship | $681.933.65% APY · Certificate of Deposit · Relationship | $1,363.863.65% APY · Certificate of Deposit · Relationship |
| 12 months | $185.003.70% APY · Certificate of Deposit · Relationship | $370.003.70% APY · Certificate of Deposit · Relationship | $925.003.70% APY · Certificate of Deposit · Relationship | $1,850.003.70% APY · Certificate of Deposit · Relationship |
| 15 months | $235.333.75% APY · Certificate of Deposit · Relationship | $470.663.75% APY · Certificate of Deposit · Relationship | $1,176.663.75% APY · Certificate of Deposit · Relationship | $2,353.313.75% APY · Certificate of Deposit · Relationship |
| 18 months | $207.862.75% APY · Certificate of Deposit · Relationship | $415.712.75% APY · Certificate of Deposit · Relationship | $1,039.282.75% APY · Certificate of Deposit · Relationship | $2,078.552.75% APY · Certificate of Deposit · Relationship |
| 24 months | $278.782.75% APY · Certificate of Deposit · Relationship | $557.562.75% APY · Certificate of Deposit · Relationship | $1,393.912.75% APY · Certificate of Deposit · Relationship | $2,787.812.75% APY · Certificate of Deposit · Relationship |
| 30 months | $351.072.75% APY · Certificate of Deposit · Relationship | $702.142.75% APY · Certificate of Deposit · Relationship | $1,755.362.75% APY · Certificate of Deposit · Relationship | $3,510.712.75% APY · Certificate of Deposit · Relationship |
| 36 months | $423.952.75% APY · Certificate of Deposit · Relationship | $847.902.75% APY · Certificate of Deposit · Relationship | $2,119.742.75% APY · Certificate of Deposit · Relationship | $4,239.482.75% APY · Certificate of Deposit · Relationship |
| 48 months | $519.062.50% APY · Certificate of Deposit · Relationship | $1,038.132.50% APY · Certificate of Deposit · Relationship | $2,595.322.50% APY · Certificate of Deposit · Relationship | $5,190.642.50% APY · Certificate of Deposit · Relationship |
| 60 months | $520.402.00% APY · Certificate of Deposit · Relationship | $1,040.812.00% APY · Certificate of Deposit · Relationship | $2,602.022.00% APY · Certificate of Deposit · Relationship | $5,204.042.00% APY · Certificate of Deposit · Relationship |
How STAR Financial Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 45 of 80 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| STAR Financial Bank (this institution)Certificate of Deposit · Relationship | 15 months | $1,000 | Branches in IN | 3.75% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| BCU (Baxter Credit Union)New Money CD Specials - Regular · Promotional | 15 months | Not stated | Membership required · branches in 15 states | 4.30% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking STAR Financial Bank on October 22, 2026.
About STAR Financial Bank
- Legal name
- STAR Financial Bank
- Regulator ID
- FDIC 27235
- Headquarters
- Fort Wayne, IN
- Available in
- IN
- Total assets
- $3.2 billion
- Also known as
- Website
- www.starfinancial.com
Source: rates read from https://www.starfinancial.com/personal/resources/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at STAR Financial Bank?
Among the rates we track, 3.75% APY on a 15-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a STAR Financial Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $5,000.
How does STAR Financial Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.90% versus the 15-month Treasury yield of 4.65% (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 STAR Financial Bank CDs insured?
STAR Financial Bank is an FDIC-insured bank (FDIC 27235). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check STAR Financial Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from STAR Financial Bank's website and may change at any time. Confirm terms, minimums and eligibility with STAR Financial Bank before opening an account. This page is not financial advice.