With a 5Star “Step-up” Certificate of Deposit (CD)*, you’ll get a guaranteed rate of return AND you can take advantage of rising interest rates!

  • Minimum opening deposit of $1,000; Jumbo CDs, up to $250,000, are also available
  • 24-,36-, 48- or 60-month terms
  • As rates increase, step-up your rate
  • Make additional deposits to your CD at the time of the step-up rate increase
  • The number of rate step-ups and additional deposits are based on the term of your CD

Don’t be the little piggy that had none…ask us about opening your new Step-up CD!



Using your Step-Up increase options will result in a blended Annual Percentage Yield. Interest is compounded daily and deposited monthly. The date on which you choose to use the rate increase option could impact, positively or negatively, the total earnings on your CD. The availability of the rate increase option neither implies nor guarantees that our interest rates will increase during the term of any Step-Up CD rate. The opening APY will be fixed for the term of the Certificate of Deposit or until a step-up rate goes into effect. Additional minimum deposits of $1,000 can be made at the time of a step-up rate increase request and will earn interest at the rate and APY the account is earning at the time of deposit. Advertised rates and Annual Percentage Yields (APY) are offered at the bank’s discretion and may change daily. APY assumes that interest remains on deposit until maturity. Early withdrawal penalties apply. Fees may reduce earnings. We will not provide any notice to you when our interest rates change but our current rates are always available by calling customer service at 800-776-2265, during normal business hours, or online 24 hours at www.5star.bank. Step-up CDs will not automatically renew. Please check with your local branch for complete terms and conditions