# STAR Financial Bank CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/star-financial-bank
Institution: STAR Financial Bank (FDIC 27235)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:54.000Z (October 22, 2026)
Official source: https://www.starfinancial.com/personal/resources/rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 14 days | $5,000 | 0.03% | Not ZIP-priced | −4.10% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 1 month | $1,000 | 0.07% | Not ZIP-priced | −4.06% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 3 months | $1,000 | 2.35% | Not ZIP-priced | −1.94% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 6 months | $1,000 | 2.50% | Not ZIP-priced | −1.90% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 9 months | $1,000 | 3.65% | Not ZIP-priced | −0.83% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 12 months | $1,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 15 months | $1,000 | 3.75% | Not ZIP-priced | −0.90% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 18 months | $1,000 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 24 months | $1,000 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 30 months | $1,000 | 2.75% | Not ZIP-priced | −2.16% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 36 months | $1,000 | 2.75% | Not ZIP-priced | −2.20% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 48 months | $1,000 | 2.50% | Not ZIP-priced | −2.48% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |
| Certificate of Deposit | relationship | 60 months | $1,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T03:02:54.000Z | [Snapshot 937](https://apyledger.com/snapshots/937) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.