Save for FUTURE BRIGHT MOMENTS
Whether you want to increase that rainy day fund, prepare to purchase a home, or strengthen your return on larger savings amounts, build up your account using one of our savings options to help you get there.
Statement Savings
A great place to start building your savings.
- $100 minimum opening deposit
- No monthly maintenance fee if average daily balance1 remains above $100
- Interest compounded and paid quarterly on average daily balance1
Future Star Savings
A savings account for kids under age 18, designed to reward savings with automatic monthly deposits.
- 3.00% APY2 on all balances with requirements met
- 1.75% APY2 on all balances when requirements are not met
Monthly qualification requirements:
- Enroll & agree to receive Electronic Statements
- Have at least one automatic deposit of $25 or more posted to the account through:
- A recurring transfer between BankStar accounts
- An online banking transfer
- An ACH/direct deposit transfer
STAR Money Market
A perfect option for savers who want a higher interest rate and easy access to their funds.
- $2,500 minimum opening deposit
- No monthly maintenance fee if average daily balance1 remains above $2,500
- Tiered and variable interest rates compounded and paid monthly on average daily balance1
Savings Account Comparison
| Account Description | Minimum Deposit to Open | Monthly Maintenance Fee | Earns Interest | |
|---|---|---|---|---|
| Statement Savings | Account that gives you everything you need to be working towards your savings goals. | $100 | $10 monthly maintenance fee if average daily balance1 falls below $100 | Interest compounded and paid quarterly on average daily balance1 |
| Future Star Savings | For individuals under age 18, designed to reward consistent savings with premium interest2 when two qualifications3 are met. | $25 | $0 | Interest compounded and paid monthly on average daily balance1 |
| STAR Money Market | Perfect for savers who want a higher interest rate and easy access to their funds. | $2,500 | $10 monthly maintenance fee if average daily balance1 falls below $2,500 | Interest compounded and paid monthly on average daily balance1. Tiered Interest. |
| Statement Savings | Future Star Savings | STAR Money Market | |
|---|---|---|---|
| Account Description | Account that gives you everything you need to be working towards your savings goals. | For individuals under age 18, designed to reward consistent savings with premium interest2 when two qualifications3 are met. | Perfect for savers who want a higher interest rate and easy access to their funds. |
| Minimum Opening Deposit |
$100 |
$25 |
$2,500 |
| Maintenance Fee | $10 monthly maintenance fee if average daily balance1 falls below $100 | $0 | $10 monthly maintenance fee if average daily balance1 falls below $2,500 |
| Earns Interest | Interest compounded and paid quarterly on average daily balance1 | Interest compounded and paid monthly on average daily balance1 |
Interest compounded and paid monthly on average daily balance1. Tiered Interest.
|
1The average daily balance is calculated by adding the principal balance in the account for each day of the statement cycle and dividing that figure by the number of days in the statement cycle.
2Annual Percentage Yield (APY) is accurate as of 7/29/2026. Rates may change after the account is opened. Average daily balance is used to calculate interest. Fees could reduce earnings. If both monthly requirements are met, all balances earn 3.00% APY; and if one or both monthly requirements are not met, all balances earn 1.75% APY.
3Monthly qualification requirements: 1. Enroll & agree to receive electronic statements. 2.Have at least one automatic deposit of $25 or more posted to the account through: A recurring transfer between BankStar accounts, an online banking transfer, an ACH/direct deposit transfer.
Contact us today to talk about opening the right savings account for you.