Disclosures

Click below to review some of Star One's disclosures and agreements. Star One makes periodic changes to these documents and they are not a complete disclosure of all terms and conditions. For complete information and disclosure, please contact Star One Credit Union directly.

Disclosures are available in a non-electronic format at no cost. To obtain any Star One disclosure, call (866) 543-5202 or (408) 543-5202 and request the applicable disclosure. Some Star One applications and forms will require you to select which delivery method of a service relevant disclosure you wish (online or U.S. Mail delivery). Each loan or service has it's own disclosure(s) and the delivery of each is specific to the application being filled out online. When a loan or other service is terminated, e.g. the loan has been paid off, all consent to said disclosure is terminated. Each disclosure and the contents therein, pertain solely to the service in which the disclosure is tied to and/or related. For any additional information or status changes pertaining to any Star One disclosure, please call us at (866) 543-5202 or (408) 543-5202 or send us an e-mail describing your request.

Real Estate Loan Disclosures

• Adjustable Rate Mortgage ("ARM") Early Disclosure Statement
• Adjustable Rate Mortgage ("ARM") Early Disclosure Statement 5/25 and 7/23 Fixed to Adjustable
• Adjustable Rate Mortgage ("ARM") Mobile Home - Early Disclosure Statement
• Borrower's Certification & Authorization
• Buying Your Home: Settlement Costs and Helpful Information
• Consumer Handbook on Adjustable Rate Mortgages - CHARM booklet
• Early Disclosure Statement 15 Year ARM Second Mortgage   CA Only
• Equal Credit Opportunity Act & Fair Credit Reporting Act Disclosures
• Fair Lending Notice
• Home Equity Line Account Early Disclosure Settlement - California Only
• RESPA Servicing Disclosure
• When Your Home Is On The Line: What You Should Know About Home Equity Lines of Credit

Deposit Disclosures

• Membership and Account Agreement
• Rate and Fee Schedule (Checking & Savings Account Disclosure)
• Certificate Account Disclosure
• IRA Account Disclosure
• Substitute Check Policy Disclosure for California
• Denial of Services Policy

Card Disclosures

• ATM Card Agreement and Disclosure Statement
• Visa Debit Card Agreement and Disclosures
• Visa Credit Card Agreement and Disclosures (Platinum, Gold & Classic)

Other Disclosures

• Alternate Web Site Link Disclosure
• Anytime Lender Disclosure
• Bill Pay Service Agreement
• Credit Union Privacy Policy 
• eNotices
• External Funds Transfers
• ezDeposit Disclosure
• FinanceWorks Disclosure
• Mobile Banking Disclosure & Agreement
• Online Statement Consent Agreement