# Oakstar Bank Star Rewards Interest: 5.00% APY

Canonical: https://dealaka.com/offers/oakstar-bank-star-rewards-interest-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY when qualifications met)
- Requirement: Conditional: 15 debit txns, 1 ACH, e-stat, online login
- Expires: no published end date
- Availability: Nationwide
- Institution: Oakstar Bank
- Verified: Aug 19, 2026 against oakstarbank.com
- Field reports: 0

## 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.

## Requirements
1. Make at least 15 debit card purchases each month.
2. Receive at least 1 ACH debit or credit.
3. Enroll in and agree to receive e-statements.
4. Enroll in and log into online banking.

## Fine print that matters
- 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.

## Sources
- oakstarbank.com rate page <https://www.oakstarbank.com/personal/checking> (checked Aug 19, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._