For banking by telephone, to find an ATM, or to speak to a Star One phone representative for assistance with this website, please call us at 866-543-5202 or 408-543-5202.
Savings and Checking Rates and Terms
Savings and Checking
Money Market Savings Account
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 2.96% | 3.00% | Monthly | Monthly | Monthly |
| Minimum Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $50.00 | $50.00 |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Free Checking Account
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% | 0.10% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $25.00 | None |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Rewards Checking Account
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% / 2.96% † | 0.10% / 3.00% † | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY | Account Qualifiers |
|---|---|---|
| $25.00 | None | † Refer to Section G of our Rate and Fee Schedule. |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Student Checking Account
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% | 0.10% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY | Account Qualifiers |
|---|---|---|
| $25.00 | None | Age 25 or under |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Special Savings Account
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 2.96% | 3.00% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $5.00 | $5.00 |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Certificate Account Rates and Terms
Certificate Account
Effective Date: 04-24-2024 through 04-30-2024
| Item | Dividend Rate (%) | Annual Percentage Yield (%) |
|---|---|---|
| Term | Fixed | Fixed |
| 6-Month | 3.59% | 3.65% |
| 1-Year | 3.59% | 3.65% |
| 2-Year | 3.59% | 3.65% |
| Additional Deposits | Not Allowed - See Transaction Limitations on Disclosure Page. | |
| Withdrawals | See Transaction Limitations on Disclosure Page, Minimum Withdrawal Amount $1,000.00 | Early withdrawal penalties apply |
| Renewable | Automatic |
| Minimum Opening Deposit | $2,500.00 |
| Dividends Compounded | Monthly and at Maturity |
| Dividends Credited | Monthly and at Maturity |
| Dividend Period | Monthly |
See our Certificate Account Disclosure and Fee Disclosure and Membership and Account Agreement for more information.
IRA Account Rates and Terms
IRA Accounts
| Type | Minimum Opening Deposit | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| Traditional Contributory IRA | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Traditional Rollover IRA or Inherited IRA | None | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Roth Contributory IRA | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Roth Conversion IRA or Inherited IRA | None | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| ESA (Education Savings Account) | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Item | Dividend Rate (%) | Annual Percentage Yield (%) |
|---|---|---|
| IRA Savings | 2.96% | 3.00% |
| Certificate Account Terms | Fixed | Fixed |
| 6-Month | 3.59% | 3.65% |
| 1-Year | 3.59% | 3.65% |
| 2-Year | 3.59% | 3.65% |
| Additional Deposits | See Transaction Limitations on Disclosure Page | See Transaction Limitations on Disclosure Page |
| Withdrawals | See Transaction Limitations on Disclosure Page | See Transaction Limitations on Disclosure Page |
| Renewable | Automatic** |
*Monthly only on IRA Savings Account.
**Only Applicable to Certificate Accounts at Maturity.
***See IRA Disclosure Page for additional information.
Consumer Loan Rates
Auto Loans
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| New and Used Auto Loans* | 5.95% - 9.95%^ | Fixed | 7 Years | $14.59 - $16.58 |
* Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. Any increase in the APR will result in morepayments of the same amount until what you owe has been repaid in full.
^Your APR based on credit qualification.
Visa Credit Cards
| Type | Annual Percentage Range | Monthly Payment Per $1,000 |
|---|---|---|
| Visa Signature Rewards (min $5000 line)** | 8.75%^ | 2.5% of Current Balance |
| Visa Platinum Rewards** | 8.75% - 12.75%^ | 2.5% of Current Balance |
| Visa Platinum Best Rate** | 7.75% - 13.75%^ | 2.5% of Current Balance |
Compare Visa Credit Card Rates
**See Visa Credit Card Agreement and Disclosure
^Your APR based on credit qualification.
RV, Motorcycle and Boat Loans
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| 7.70% - 11.70%^ | Fixed | 10 Years | $11.98 - $14.18 | |
| New/Used Boats* | 7.70% - 11.70%^ | Fixed | 10 Years | $11.79 - $13.98 |
| New/Used Motorcycles* | 7.70% - 11.70%^ | Fixed | 7 Years | $15.45 - $17.50 |
*Any increase in the APR will result in morepayments of the same amount until what you owe has been repaid in full.
^Your APR based on credit qualification.
Other Loans
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| Solar Loans | 6.25% - 8.00%^ | Fixed | 15 Years | $8.58 - $9.56 |
| Student Loans - Undergraduate - fixed rate | 5.50% - 10.50%++ | Fixed+++ | 20 Years | $6.88 - $9.98 |
| Student Loans - Undergraduate - variable rate | 5.75% - 9.75%++ | Variable+++ | 20 Years | $7.02 - $9.49 |
| Student Loans - Graduate - fixed rate | 5.50% - 10.50%++ | Fixed+++ | 20 Years | $6.88 - $9.88 |
| Student Loans - Graduate - variable rate | 5.75% - 9.75%++ | Variable+++ | 20 Years | $7.02 - $9.49 |
| Student Loan Refinance - fixed rate | 5.50% - 8.50%++ | Fixed | 15 Years | 5 years max. term: $19.10 - $20.04 10 years max. term: $10.98 - $12.00 15 years max. term: $8.57 - $9.85 |
| Student Loan Refinance - variable rate | 6.00% - 9.75%++ | Variable | 15 Years | 5 years max. term: $19.33 - $20.28 10 years max. term: $11.23 - $12.27 15 years max. term: $9.13 - $10.59 |
| Personal Loans | 10.25% - 14.25%^ | Fixed | 5 Years | $21.38 - $23.41 |
| Savings Secured Loans | 5.00% | Variable | 7 Years | $14.14 |
| Personal Credit Lines | 12.50% | Variable | ---- | 2.5% of current balance |
^ Your APR based on credit qualification.
++ Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments.
+++ 25-year term available for loans equal to or greater than $40,000.
Mortgage Rates
Fixed-Rate Mortgage Loans — Purchase and Refinance
| Type | Interest Rate | Points1 | Annual Percentage Rate2 | Monthly Payment Per $1,000**** |
|---|---|---|---|---|
| 30 years - Conforming to $1,149,825** | 7.000% | 0.000% | 7.119% | $6.65 |
| 30 years - Jumbo*** | 7.000% | 0.000% | 7.067% | $6.65 |
| 20 years - Conforming to $1,149,825** | 6.750% | 0.000% | 6.901% | $7.60 |
| 20 years - Jumbo*** | 6.750% | 0.000% | 6.833% | $7.60 |
| 15 years - Conforming to $1,149,825** | 6.500% | 0.000% | 6.684% | $8.71 |
| 15 years - Jumbo*** | 6.500% | 0.000% | 6.600% | $8.71 |
| 10 years - Conforming to $1,149,825** | 6.250% | 0.000% | 6.365% | $11.23 |
| 10 years - Jumbo*** | 6.250% | 0.000% | 6.365% | $11.23 |
**** Payment amount does not include taxes and insurance. Actual payment amount will be greater.
** In most of the country, the maximum conforming loan limit for one-unit properties is $766,550. In "high-cost" areas, the maximum conforming limit may be up to $1,149,825. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $766,550 conforming limit up to $1,149,825 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Fixed-Rate-To-Adjustable-Rate Mortgages — Purchase and Refinance
| Type | First Trust Deed | Interest Rate | Points1 | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000***** |
|---|---|---|---|---|---|---|
| 3-Year Fixed-to-ARM | 30 years - Conforming | 6.125% | 0.000% | 7.337% | 11.125% | $6.08 |
| 3-Year Fixed-to-ARM | 30 years - Jumbo*** | 6.125% | 0.000% | 7.466% | 11.125% | $6.08 |
| 5-Year Fixed-to-ARM | 30 years - Conforming | 6.250% | 0.000% | 7.177% | 11.250% | $6.16 |
| 5-Year Fixed-to-ARM | 30 years - Jumbo*** | 6.250% | 0.000% | 7.271% | 11.250% | $6.16 |
| 7-Year Fixed-to-ARM | 30 years - Conforming | 6.500% | 0.000% | 7.145% | 11.500% | $6.32 |
| 7-Year Fixed-to-ARM | 30 years - Jumbo*** | 6.500% | 0.000% | 7.210% | 11.500% | $6.32 |
| 10-Year Fixed-to-ARM | 30 years - Conforming | 6.625% | 0.000% | 7.068% | 11.625% | $6.40 |
| 10-Year Fixed-to-ARM | 30 years - Jumbo*** | 6.625% | 0.000% | 7.098% | 11.625% | $6.40 |
| 5-5 ARM | 30 years - Conforming | 6.250% | 0.000% | 6.734% | 11.250% | $6.16 |
| 5-5 ARM | 30 years - Jumbo*** | 6.250% | 0.000% | 6.832% | 11.250% | $6.16 |
After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.
***** Payment amount does not include taxes and insurance. Actual payment amount will be greater.
*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.
Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Home Equity Loans and Line of Credit
Home Equity Loans - California (Second Mortgage)
| Type | Interest Rate | Points | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|---|
| 20-Year Fixed-Rate Home Equity Loan, owner-occupied (up to $750,000) | 7.250% | 0.000% | 7.328% | n/a | $7.90 |
| 15-Year Fixed-Rate Home Equity Loan, owner-occupied (up to $750,000) | 7.000% | 0.000% | 7.093% | n/a | $8.99 |
| Adjustable-Rate Home Equity Loan, owner-occupied (maximum 15 years - up to $750,000) | 7.125%****** | 0.000% | 8.066% | 12.125% | $9.06 |
****** After the initial fixed-rate period, the interest rate will be based on the Adjustable-Rate Loan program.
Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value.
Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.
2. The Annual Percentage Rate (APR) assumes a loan amount of $100,000.
Home Equity Line of Credit (HELOC) - California
| Type | Interest Rate1 | Annual Percentage Rate1 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| California owner-occupied | 8.500% | 8.500% | 18.000% | Minimum payment will equal finance charges (interest). |
1. Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.
Investment Property Mortgage Rates
Investment Property Loans
Fixed-Rate Loans
| First Trust Deed | Interest Rate | Points1 | Annual Percentage Rate2 | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| 30 years - Conforming | 8.125% | 0.000% | 8.263% | $7.42 |
| 30 years - Jumbo*** | 8.125% | 0.000% | 8.206% | $7.42 |
| 20 years - Conforming | 8.000% | 0.000% | 8.173% | $8.36 |
| 20 years - Jumbo*** | 8.000% | 0.000% | 8.102% | $8.36 |
| 15 years - Conforming | 7.875% | 0.000% | 8.085% | $9.48 |
| 15 years - Jumbo*** | 7.875% | 0.000% | 7.998% | $9.48 |
| 10 years - Conforming | 7.750% | 0.000% | 8.039% | $12.00 |
| 10 years - Jumbo*** | 7.750% | 0.000% | 7.918% | $12.00 |
Maximum loan amount is $2,500,000. Contact a loan officer for details.
*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.
Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Fixed-to-Adjustable-Rate Loans
| 30-Year Adjustable-Rate Loans | Interest Rate | Points1 | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|---|
| 3-Year Fixed-to-Adjustable Rate - Conforming | 6.875% | 0.000% | 7.543% | 11.875% | $6.57 |
| 3-Year Fixed-to-Adjustable Rate - Jumbo*** | 6.875% | 0.000% | 7.671% | 11.875% | $6.57 |
| 5-Year Fixed-to-Adjustable Rate - Conforming | 7.000% | 0.000% | 7.488% | 12.000% | $6.65 |
| 5-Year Fixed-to-Adjustable Rate - Jumbo*** | 7.000% | 0.000% | 7.580% | 12.000% | $6.65 |
| 7-Year Fixed-to-Adjustable Rate - Conforming | 7.125% | 0.000% | 7.480% | 12.125% | $6.74 |
| 7-Year Fixed-to-Adjustable Rate - Jumbo*** | 7.125% | 0.000% | 7.542% | 12.125% | $6.74 |
| 10-Year Fixed-to-Adjustable Rate - Conforming | 7.250% | 0.000% | 7.493% | 12.250% | $6.82 |
| 10-Year Fixed-to-Adjustable Rate - Jumbo*** | 7.250% | 0.000% | 7.520% | 12.250% | $6.82 |
Initial interest rate is fixed for 3 years, 5 years, 7 years or 10 years. See loan program summary for additional terms, contact a loan officer for details. Maximum loan amount is $2,500,000. Contact a loan officer for details.
*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.
Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Mortgage Rate Lock-In Commitment
Since mortgage interest rates are constantly changing, we offer the option of "locking-in" a current Credit Union rate to protect you against an increase during the loan process.
Learn about Star One's Rate Lock-In Commitment.
