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STAR Financial Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

STAR Financial Bank's top rates as of October 7, 2026 are 3.75% APY on its 15-Months 15-Month Certificate of Deposit, 0.02% APY on savings, 0.01% APY on money market accounts, 6.875% on its 5/1 ARM Mortgage, and rv, boat and powersport loans from 8.25% APR, according to rates verified by MonitorBankRates. Other STAR Financial Bank CD rates include 12-Months 12-Month Certificate of Deposit at 3.70%, 9-Months 9-Month Certificate of Deposit at 3.65%, and 18-Months 18-Month Certificate of Deposit at 2.75%. Other STAR Financial Bank mortgage rates include 7/1 ARM Mortgage at 7.00%, Debt Free 7 Year Fixed Mortgage at 6.875%, and Debt Free 10 Year Fixed Mortgage at 7.00%. MonitorBankRates evaluates the financial stability of STAR Financial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.87%. Rates last updated and verified on 10/07/2026.

STAR Financial Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at STAR Financial Bank? Share your experience about STAR Financial Bank by leaving a review below, or read customer reviews before you decide to use STAR Financial Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.87%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
STAR Financial Bank
215 W. Main Street
Fort Wayne, IN 46802
https://www.starfinancial.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

STAR Financial Bank CD Rates

Product Rate APY Term View More
15 Month Certificate of Deposit - 3.75% 15 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
12 Month Certificate of Deposit - 3.70% 12 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
9 Month Certificate of Deposit - 3.65% 9 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
18 Month Certificate of Deposit - 2.75% 18 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
2 Year Certificate of Deposit - 2.75% 2 Years
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
3 Year Certificate of Deposit - 2.75% 3 Years
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
30 Month Certificate of Deposit - 2.75% 30 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
4 Year Certificate of Deposit - 2.50% 4 Years
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
6 Month Certificate of Deposit - 2.50% 6 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
3 Month Certificate of Deposit - 2.35% 3 Months
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 7, 2026: 2.35% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
5 Year Certificate of Deposit - 2.00% 5 Years
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
1 Month Certificate of Deposit - 0.07% 1 Month
Min Balance $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.07% APY
0.00%0.29%0.57%Oct 7, 2026: 0.07% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
14 Day Certificate of Deposit - 0.03% 14 Days
Min Balance $5,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.03% APY
0.00%0.27%0.53%Oct 7, 2026: 0.03% APYOct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Savings Rates

Product Rate APY View More
College Bound Savings 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Club SaveAway 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Cosmo Kids Club 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Regular Savings 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $999,999,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Money Market Rates

Product Rate APY View More
Money Market Preferred 2.72% 2.75%
Min Balance $100,000
Details Balance: $100,000 - $2,499,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.72% 2.75%
Min Balance $2,500,000
Details Balance: $2,500,000+
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.62% 2.65%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 2.62% 2.65%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 19, 2026: 2.65% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.049% 0.05%
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.03% 0.03%
Min Balance $2,500
Details Balance: $2,500 - $9,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 19, 2026: 0.03% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market Preferred 0.02% 0.02%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 24, 2026: 0.02% APYSep 24, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Money Market 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $2,499.99
Last Updated 10/07/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 24, 2026: 0.01% APYSep 24, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Checking Rates

Product Rate APY View More
Interest Checking Account 0.01% 0.01%
Min Balance $0
Details Balance: $0 - $4,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Interest Checking Account 0.01% 0.01%
Min Balance $5,000
Details Balance: $5,000 - $19,999.99
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Interest Checking Account 0.01% 0.01%
Min Balance $20,000
Details Balance: $20,000+
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 19, 2026: 0.01% APYSep 19, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Mortgage Rates

Product Rate Points APR Term View More
5/1 ARM Mortgage 6.875% 0.000 6.979% 5 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 6.98% APR
6.48%6.98%7.48%Oct 7, 2026: 6.98% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
7/1 ARM Mortgage 7.00% 0.000 7.105% 7 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.11% APR
6.61%7.11%7.61%Oct 7, 2026: 7.11% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Debt Free 7 Year Fixed Mortgage 6.875% 0.000 7.20% 7 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.20% APR
6.70%7.20%7.70%Oct 7, 2026: 7.20% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Debt Free 10 Year Fixed Mortgage 7.00% 0.000 7.238% 10 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.24% APR
6.74%7.24%7.74%Oct 7, 2026: 7.24% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
15 Year Fixed Mortgage 7.125% 0.000 7.295% 15 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.30% APR
6.80%7.30%7.80%Oct 7, 2026: 7.30% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
20 Year Fixed Mortgage 7.875% 0.000 8.016% 20 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 8.02% APR
7.52%8.02%8.52%Oct 7, 2026: 8.02% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
30 Year Fixed Mortgage 8.125% 0.000 8.237% 30 years
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 8.24% APR
7.74%8.24%8.74%Oct 7, 2026: 8.24% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit (HELOC) 7.00% - 7.00% Up to 10 year
Details CLTV: Up to 90%; Loan Amount: Up to $250,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
6.25%6.88%7.50%Sep 15, 2026: 6.75% APRSep 19, 2026: 7.00% APRSep 15, 2026Oct 8, 2026
  • Sep 19, 20267.00%▲ from 6.75%
  • Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Home Equity Loan (HELO) 8.125% - 8.125% Up to 10 year
Details CLTV: Up to 90%; Loan Amount: Up to $250,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 7.75% → 8.13% ▲ 0.38 pts · high 8.13% / low 7.75%
7.25%7.94%8.63%Sep 15, 2026: 7.75% APRSep 19, 2026: 8.00% APROct 1, 2026: 8.13% APRSep 15, 2026Oct 8, 2026
  • Oct 1, 20268.13%▲ from 8.00%
  • Sep 19, 20268.00%▲ from 7.75%
  • Sep 15, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto, Truck & Motorcycle Loans 7.99% - 8.25% 49 - 60 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.00% → 9.51% ▲ 1.51 pts · high 9.51% / low 8.00%
6.49%8.75%11.02%Sep 19, 2026: 8.00% APROct 7, 2026: 8.25% APROct 7, 2026: 9.51% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.51%▲ from 8.25%
  • Oct 7, 20268.25%▲ from 8.00%
  • Sep 19, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto Loans - - 8.31% 36 to 60 months
Details As Low As; Available for 2025 or newer models
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 7.81% → 8.31% ▲ 0.50 pts · high 8.31% / low 7.81%
7.31%8.06%8.81%Sep 15, 2026: 7.81% APRSep 27, 2026: 8.06% APROct 3, 2026: 8.31% APRSep 15, 2026Oct 8, 2026
  • Oct 3, 20268.31%▲ from 8.06%
  • Sep 27, 20268.06%▲ from 7.81%
  • Sep 15, 20267.81%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 7.99% - 8.31% 36 - 48 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.06% → 9.32% ▲ 1.26 pts · high 9.32% / low 8.06%
6.80%8.69%10.58%Sep 19, 2026: 8.06% APROct 7, 2026: 8.31% APROct 7, 2026: 9.32% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.32%▲ from 8.31%
  • Oct 7, 20268.31%▲ from 8.06%
  • Sep 19, 20268.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.24% - 8.46% 61 - 72 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.21% → 9.22% ▲ 1.01 pts · high 9.22% / low 8.21%
7.20%8.72%10.23%Sep 19, 2026: 8.21% APROct 7, 2026: 8.46% APROct 7, 2026: 9.22% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.22%▲ from 8.46%
  • Oct 7, 20268.46%▲ from 8.21%
  • Sep 19, 20268.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.49% - 8.71% 73 - 75 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 8.46% → 8.71% ▲ 0.25 pts · high 8.71% / low 8.46%
7.96%8.59%9.21%Sep 19, 2026: 8.46% APROct 7, 2026: 8.71% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20268.71%▲ from 8.46%
  • Sep 19, 20268.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.49% - 8.82% 36 - 48 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.57% → 9.32% ▲ 0.75 pts · high 9.32% / low 8.57%
7.82%8.95%10.07%Sep 19, 2026: 8.57% APROct 7, 2026: 8.82% APROct 7, 2026: 9.32% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.32%▲ from 8.82%
  • Oct 7, 20268.82%▲ from 8.57%
  • Sep 19, 20268.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.74% - 9.01% 49 - 60 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.76% → 9.51% ▲ 0.75 pts · high 9.51% / low 8.76%
8.01%9.14%10.26%Sep 19, 2026: 8.76% APROct 7, 2026: 9.01% APROct 7, 2026: 9.51% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.51%▲ from 9.01%
  • Oct 7, 20269.01%▲ from 8.76%
  • Sep 19, 20268.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.99% - 9.22% 61 - 72 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 8.97% → 9.22% ▲ 0.25 pts · high 9.22% / low 8.46%
7.70%8.84%9.98%Sep 19, 2026: 8.97% APROct 7, 2026: 8.46% APROct 7, 2026: 9.22% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.22%▲ from 8.46%
  • Oct 7, 20268.46%▼ from 8.97%
  • Sep 19, 20268.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 8.99% - 9.32% 36 - 48 months
Details Model Year: 2022 - 2020
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 9.07% → 9.32% ▲ 0.25 pts · high 9.32% / low 8.82%
8.32%9.07%9.82%Sep 19, 2026: 9.07% APROct 7, 2026: 8.82% APROct 7, 2026: 9.32% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.32%▲ from 8.82%
  • Oct 7, 20268.82%▼ from 9.07%
  • Sep 19, 20269.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 9.24% - 9.51% 49 - 60 months
Details Model Year: 2022 - 2020
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 9.26% → 9.51% ▲ 0.25 pts · high 9.51% / low 9.01%
8.51%9.26%10.01%Sep 19, 2026: 9.26% APROct 7, 2026: 9.01% APROct 7, 2026: 9.51% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 20269.51%▲ from 9.01%
  • Oct 7, 20269.01%▼ from 9.26%
  • Sep 19, 20269.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Auto, Truck & Motorcycle Loans 9.99% - 10.32% 36 - 48 months
Details Model Year: 2019 - 2018
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 10.07% → 10.32% ▲ 0.25 pts · high 10.32% / low 8.82%
7.32%9.57%11.82%Sep 19, 2026: 10.07% APROct 7, 2026: 8.82% APROct 7, 2026: 10.32% APRSep 19, 2026Oct 8, 2026
  • Oct 7, 202610.32%▲ from 8.82%
  • Oct 7, 20268.82%▼ from 10.07%
  • Sep 19, 202610.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%

STAR Financial Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loans - 9.07% 36 to 60 months
Details As Low As; Available for 2025 or newer models
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 8.57% → 9.07% ▲ 0.50 pts · high 9.07% / low 8.57%
8.07%8.82%9.57%Sep 15, 2026: 8.57% APRSep 27, 2026: 8.82% APROct 3, 2026: 9.07% APRSep 15, 2026Oct 8, 2026
  • Oct 3, 20269.07%▲ from 8.82%
  • Sep 27, 20268.82%▲ from 8.57%
  • Sep 15, 20268.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 8.74% 9.07% 36 - 48 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 9.07% APR
8.57%9.07%9.57%Oct 7, 2026: 9.07% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
RV Loans - 9.07% 36 to 60 months
Details As Low As; Available for 2025 or newer models
Last Updated 10/07/2026
Rate History
2 changes since Sep 15, 2026 · 8.57% → 9.07% ▲ 0.50 pts · high 9.07% / low 8.57%
8.07%8.82%9.57%Sep 15, 2026: 8.57% APRSep 27, 2026: 8.82% APROct 3, 2026: 9.07% APRSep 15, 2026Oct 8, 2026
  • Oct 3, 20269.07%▲ from 8.82%
  • Sep 27, 20268.82%▲ from 8.57%
  • Sep 15, 20268.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 8.99% 9.26% 49 - 60 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 9.26% APR
8.76%9.26%9.76%Oct 7, 2026: 9.26% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.24% 9.44% 61 - 84 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 9.44% APR
8.94%9.44%9.94%Oct 7, 2026: 9.44% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.49% 9.67% 85 - 96 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 9.67% APR
9.17%9.67%10.17%Oct 7, 2026: 9.67% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.74% 9.89% 97 - 120 months
Details Model Year: 2027 - 2025
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 9.89% APR
9.39%9.89%10.39%Oct 7, 2026: 9.89% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 9.99% 10.32% 36 - 48 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 10.32% APR
9.82%10.32%10.82%Oct 7, 2026: 10.32% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.24% 10.51% 49 - 60 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 10.51% APR
10.01%10.51%11.01%Oct 7, 2026: 10.51% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.49% 10.69% 61 - 84 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 10.69% APR
10.19%10.69%11.19%Oct 7, 2026: 10.69% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.74% 10.92% 85 - 96 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 10.92% APR
10.42%10.92%11.42%Oct 7, 2026: 10.92% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.99% 11.14% 97 - 120 months
Details Model Year: 2024 - 2023
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 11.14% APR
10.64%11.14%11.64%Oct 7, 2026: 11.14% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 10.99% 11.32% 36 - 48 months
Details Model Year: 2022 - 2018
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 11.32% APR
10.82%11.32%11.82%Oct 7, 2026: 11.32% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 11.24% 11.51% 49 - 60 months
Details Model Year: 2022 - 2018
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 11.51% APR
11.01%11.51%12.01%Oct 7, 2026: 11.51% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 11.49% 11.69% 61 - 84 months
Details Model Year: 2022 - 2018
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 11.69% APR
11.19%11.69%12.19%Oct 7, 2026: 11.69% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Marine & RV Loans 11.74% 11.92% 85 - 96 months
Details Model Year: 2022 - 2018
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 11.92% APR
11.42%11.92%12.42%Oct 7, 2026: 11.92% APROct 7, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.87%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

STAR Financial Bank’s Texas Ratio rose from 2.18% in Q3 2023 to 2.87% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.3 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.2% 2.0★ 2.4% 3.0★ 3.6% 4.0★ 4.9% 5.0★ Healthy zone – entire history below the 15% limit 2.18% A- Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.87% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$3.2B2.87%5.0A+
March 31, 2026$3.2B3.60%5.0A+
December 31, 2025$3.2B3.35%5.0A+
September 30, 2025$3.1B3.20%5.0A+
June 30, 2025$3.0B2.15%5.0A+
March 31, 2025$3.0B2.24%5.0A+
December 31, 2024$3.0B1.63%5.0A+
September 30, 2024$3.0B1.86%5.0A+
June 30, 2024$3.0B2.04%5.0A+
March 31, 2024$2.9B1.87%5.0A+
December 31, 2023$3.0B1.91%5.0A+
September 30, 2023$3.0B2.18%4.3A-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for STAR Financial Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather STAR Financial Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with STAR Financial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name STAR Financial Bank
Bank Holding Company STAR FINANCIAL GROUP INC
Address 215 W. Main Street, Fort Wayne, IN 46802  ·  Allen
Website https://www.starfinancial.com
FDIC Certificate # 27235
Established 19880502
FDIC Insurance Date 19880502
Domestic Offices 37
Total Branches 37
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.87%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0140%
Return on Equity (ROE) 11.1500%
Non-Performing Loans (NPL) 0.26%
Total Assets $3,230,682,000
Total Deposits $2,845,134,000
Equity Capital $298,681,000
Net Income $16,316,000
Headquarters Fort Wayne
Total Branches and Offices 37
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

STAR Financial Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/star-financial-bank-rates-review-27235">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About STAR Financial Bank

How many branches does STAR Financial Bank operate?

STAR Financial Bank currently maintains approximately 37 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, STAR Financial Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, STAR Financial Bank provides members with tools to manage their accounts and build a solid financial history.

Does STAR Financial Bank offer online and mobile banking?

Most modern institutions like STAR Financial Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.starfinancial.com.

Current STAR Financial Bank Rates

  • 12-Month CD3.70%
  • 18-Month CD2.75%
  • 24-Month CD2.75%
  • 36-Month CD2.75%
  • 48-Month CD2.50%
  • 60-Month CD2.00%
  • Savings0.02%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.

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