{"slug":"oakstar-bank-star-rewards-interest-rate","category":"bank","institutionSlug":"oakstar-bank","product":"Star Rewards Interest","title":"Oakstar Bank Star Rewards Interest: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"Conditional: 15 debit txns, 1 ACH, e-stat, online login","expiresOn":null,"status":"live","verifiedOn":"2026-08-19","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Interest is credited on the last day of the statement cycle.","applyDomain":"oakstarbank.com","applyUrl":"https://www.oakstarbank.com/personal/checking","summary":"This checking account earns 5.00% APY on balances below $25,000 when monthly qualifications are met: 15 debit card purchases, 1 ACH debit or credit, enrollment in e-statements, and online banking login. Balances of $25,000 and above earn a tiered rate from 5.00% to 1.63% APY. If qualifications are not met, the entire account earns 0.05% APY.","reqSteps":["Make at least 15 debit card purchases each month.","Receive at least 1 ACH debit or credit.","Enroll in and agree to receive e-statements.","Enroll in and log into online banking."],"finePrint":["Rates are variable and may change without notice.","Interest is credited on the last day of the statement cycle.","A $5 paper statement fee applies per statement cycle if not enrolled in estatements.","If linked to a Star Rewards Interest Savings account, interest does not compound in checking.","If qualifications are not met over 6 consecutive statement cycles, account type change may occur.","$25 minimum deposit required to open the account.","This account is not for commercial use.","Without the monthly qualifications the rate is 0.05% APY."],"apy":500,"apyTerm":"ongoing APY when qualifications met","listedOn":"2026-08-19","listedAt":"2026-08-19T13:06:10.425Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"oakstarbank.com rate page","url":"https://www.oakstarbank.com/personal/checking","checkedOn":"2026-08-19"}],"needsVerification":false}