Savings Overview

Account Type

Member Savings*

Money Market


IRA Certificate

Youth Savings

Holiday Club

Health Savings Account

Rate Type Variable Variable Fixed Fixed Variable Variable Variable/Tiered
Minimum Opening Balance $10 $2,000 $1,000 $1,000 $5 None $50
Minimum Balance to Earn Dividend $100 $2,000 $1,000 $1,000 $50 No minimum $100
Dividends Paid Quarterly Monthly Term Term Quarterly Annually Quarterly
Service Charge None  None None

$10 Annual Maintenance Fee

None None $2 per month
Telephone Teller Free Free Free Free Free Free Free
Online Banking Free Free Free Free Free Free Free
Mobile Banking Free# Free# Free# Free# Free# Free# Free#

#You will be charged access rated depending on your carrier.  Web access is needed to use Mobile Banking.  Check with your service provider for details on specific fees and charges.


STAR offers a variety of ways to save and invest your money—all at competitive rates. Your deposits are federally insured by the National Credit Union Administration (NCUA) to at least $250,000 and backed by the full faith and credit of the United States Government. Deposits in Individual Retirement Accounts (IRAs) are insured separately up to $250,000.00.

Member Savings Account

A STAR member share savings account is the only required account for members. It provides membership eligibility, serves as a basic savings account and entitles you to the many benefits of the credit union. You must maintain a Member Savings Account to open additional account types such as Regular Savings Accounts, Checking Accounts, Money Market, Health Savings Accounts, etc.

Money Market Account

A STAR Money Market account helps you earn a higher rate of return on your deposits like a savings account and gives you ready access to your funds like a checking account (with limited check writing privileges).


Put your money to work for you with a certificate account! Choose your term, earn consistent dividends, and reinvest for maximum earnings at our highest dividend rates.

Individual Retirement Accounts (IRA)

It's never too early or too late to start saving for retirement. STAR offers a variety of Individual Retirement Account (IRA) options to make your retirement more secure and enjoyable.

Holiday Club Account

The Holiday Club account is designed to help you save for the holidays, a vacation or any other future savings goal you may have. Withdrawal restrictions help you stay focused on your savings goal.

Health Savings Account (HSA)

A Health Savings Account or HSA is actually a special checking account with unlimited checkwriting privileges. Write checks to pay for current medical expenses and save for future qualified medical and retiree health epxenses on a tax-free basis. You must open a Membership Savings Account with a minimum balance of $50 to open a an HSA. Talk to your employer and a health insurance agent for details on eligibility.

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