Personal Savings
We invite you to review the variety of accounts below and choose what's best for you!
All Star Savings
It pays to save, and our All Star Savings Account may be the perfect choice for you!3
Rates may change after the account is opened without notice. Any fees may reduce earnings on the account. and may change without notice. Additional fees may reduce earnings on the account.*
*An overdraft fee may be imposed on this account. This fee applies to overdrafts created by in-person withdrawal, ACH withdrawal, or other electronic means as applicable. This fee does not apply to overdrafts created by ATM or everyday debit card transactions unless you affirmatively consent (opt-in) for us to authorize and pay those transactions.
- $100 to open
-
Interest is 0.05% APY * (Annual Percentage Yield). This rate is effective as of April 16 , 2021.
- Interest is compounded & paid quarterly
- The daily balance method will be used to calculate the interest on your account.
- Up to 6 withdrawals or transfers per quarter. A $1.00 fee for each withdrawal over the 6 per statement cycle (quarter).
- Transfers or withdrawals include preauthorized or automatic transfers, telephone transfers, and transfers by check, debit card, or similar order payable to third parties.
- If the balance falls below $100 any day of the statement cycle (quarter), a fee of $3.00 will be imposed.
Health Savings
Health Savings Accounts: a great way to save for your health care expenses while taking advantage of tax savings.5
- No minimum balance
- No monthly fee
- Pays competitive interest
- Free MasterCard debit card
- Free mobile banking
- Free online banking and bill payment
- Free e-statements
Additional Deposit Accounts:
- Certificate of Deposits (CD)
- Individual Retirement Account (IRA)
1,2,3,4,5If you elect to receive a paper statement, you will be charged a fee of $3 per quarter. Electronic Statements are free.
*Kids Savings Club: Ages 3 to 15 are eligible. An adult must be on the account. All deposits must be made in person. Account earns interest on the entire balance. Interest will vary depending on market conditions. In compliance with the Children’s Online Privacy Protection Act (COPPA), Bank Star does not knowingly collect, use, or share personal information from children under the age of 13 through its website.
Ready to open an account? More questions?
Start Here:
Or contact us at
636-271-2265 or
Customerservice@bank-star.com
Please note: Do not include any personal account details or information via email. For confidential information submission, please use " Upload Secure Documents" feature at the top of our page.
Truth-in-Savings Disclosure on Deposit Accounts
Account Type: GOLDEN PASSBOOK SAVINGS ACCOUNT
Rate Information
Interest will be paid the rate shown below for the entire balance in the account.
If Account Balance is: LESS THAN $25,000
Interest Rate: 0.05%
Annual Percentage Yield: 0.05%
If Account Balance is: $25,000 AND OVER
Interest Rate: .15%
Annual Percentage Yield: .15%
Annual Percentage Yield is accurate as of 07/30/18. Fees could reduce earnings on the account.
Frequency of Rate Changes
Your interest rate and annual percentage yield may change every QUARTER.
Determination of Rate
Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change.
Compounding and Crediting Frequency
Interest will be compounded QUARTERLY.
Interest will be credited to your account QUARTERLY.
Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.
Balance Requirements to Open the Account
You must deposit $25,000.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $.01 in the account.
Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.
Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).
Fees
You may make three withdrawals per quarter at no charge.
There will be a $10.00 fee for each withdrawal over three per quarter
Truth-in-Savings Disclosure on Deposit Accounts
Account Type: Platinum Passbook
Rate Information
Interest will be paid the rate shown below for the entire balance in the account.
If Account Balance is: LESS THAN $100,000
Interest Rate: .05%
Annual Percentage Yield: .05%
If Account Balance is: $100,000 AND OVER
Interest Rate: 0.25%
Annual Percentage Yield: 0.25%
Annual Percentage Yield is accurate as of 04/16/21. Fees could reduce earnings on the account.
Frequency of Rate Changes
Your interest rate and annual percentage yield may change every QUARTER.
Determination of Rate
Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change.
Compounding and Crediting Frequency
Interest will be compounded QUARTERLY.
Interest will be credited to your account QUARTERLY.
Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.
Balance Requirements to Open the Account
You must deposit $100,000.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $.01 in the account.
Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.
Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).
Fees
You may make three withdrawals per quarter at no charge.
An excess withdrawal fee of $25.00 will be imposed for each withdrawal in excess of three per quarter.
If the account balance falls below $10,000.00 anytime during the quarterly statement cycle, a $25.00 fee will be imposed.