Star One Credit Union
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New Members

Welcome new Star One members! As a member of Star One, you are part of the Silicon Valley's largest member-owned financial institution. We hope you will take advantage of all our products and services.

Contact information for all branches:

Call Center: Toll Free (866) 543-5202 or (408) 543-5202
Mailing Address: P.O. Box 3643, Sunnyvale CA 94088-3643
Fax: (408) 543-5203
TDD (for the deaf): (408) 543-5204


Frequently Asked Questions

Online Banking & Touchtone Teller

Q. I would like to access Online Banking and Touchtone Teller. What do I need to do?
A. All members are given access to Online Banking and Touchtone Teller. You were assigned a Member Number and Temporary Password when you became a member. The first thing you should do is call 408-543-5202 to access Touchtone Teller and update your Touchtone Teller Access Code.

Then, to access Online Banking, visit our homepage and log in with your member number (do not enter leading zeros) or Alternate ID, and the same Temporary Password as mentioned above. You will be required to update your Online Banking password upon login.

Q. Is Star One secure for Online Banking?
A. Yes. Our homepage and all submittable forms are secure using 128-bit encryption. See our Security page for more information.

Q. Does Star One offer Mobile Banking?
A. Yes. Mobile Banking is free to all members. You can learn more here.

My Account and Account Security

Q. What is the member number?
A. Your member number is your account number with Star One. You will find it on your new membership documents and on the laminated card provided to you by the Credit Union when you became a member. Your account numbers refer to specific account types you may have with us. For example, your member number may be 123123123 and your savings account number will be 1, your checking account will be 2, and other loans or deposits such as certificates will have other account or loan numbers.

Q. What is the difference between my member number and my 14 digit account number?
A. Your member number will never be 14 digits. If you have a checking account, you will find your 14-digit account number on the bottom of your checks (second group of numbers). If you only have a savings account, just call us and we will provide it to you. You only need your member number to transact with Star One. You will need your 14-digit account number to set up ACH payments with other institutions.

Q. Why do you ask so many questions when I call for help with my account?
A. Your account security is very important to us. It is standard procedure to ask you 3 or 4 questions regarding your accounts to ensure that we are actually speaking with YOU. We may ask additional questions for Experian authentication (our credit reporting company).

Q. What is my secret password?
A. This is given to you when you become a member and can be found on your membership documents. You should memorize your secret password as it is one of the questions we ask when you call us for account help.

Q. Why is my available balance different from the balance when I just made a deposit?

A. You are required to keep a $50 minimum balance in your Savings Account to maintain your membership with Star One, and $5 minimum balances in your sub-savings accounts. In addition, our standard funds availability policy applies to non-cash deposits made.

Products & Services

Q. I haven't received my first free box of checks. What should I do?
A. Your checks should arrive in 7 - 10 business days. If that time has passed, please call us.

Q. How can I get a Credit Card?
A. Just apply online.

Q. How do I get a Visa Debit Card?
A. You can either apply online or visit one of our branches. At the branch we can issue a card on the spot. We can also re-PIN a card currently in use.

Q. Do you have IRA, Money Market & Certificate accounts? What are the rates?
A. You can find all our products and rates on our rates page.

Q. What are the different ways I can apply for a loan?
A. You can complete a paper application or you can apply online.

Q. What are the different ways I can make a deposit?
A. You can visit a branch, ATM, 7-11 Store, or Shared Branch to make most transactions. You can also make deposits using our ezDeposit Service (which is located in Online Banking), using your scanner to make non-cash deposits, as well as Mobile Deposit through our App.

About Star One

Q. Who is Star One Credit Union? Are you a local organization?
A. Star One is Silicon Valley's largest, member-owned financial institution. We began in 1956 as Lockheed Missile Employees Federal Credit Union. Today we have branches in Sunnyvale, Cupertino, Palo Alto, and San Jose, with an Administration Office in Sunnyvale. Anyone who lives, works, or attends school in Santa Clara County can become a member.

Q. Are my accounts insured?
A. Yes. Each member's funds are insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government. The $250,000 limitation applies to the total of a person's funds in checking, savings, and certificate accounts for which Star One is liable. Coverage depends on account types and number of owners, so please visit our Facts About Your Insured Savings page for more information

Q. How can you offer such good interest rates?
A.Star One has more than $720 million in reserves. Given our strong capital level, very low charge-offs and delinquency from loans as well as outstanding performance from investments, Star One continues to outperform most other financial institutions and provide exceptional products and services for our members. Investments are only made in the highest rated (AAA) Mortgage Backed Securities, U.S. Government agency debt or in Certificate of Deposits with highly rated banks and corporate credit unions (credit unions for credit unions).

We do not rely on gimmick pricing or product offerings to attract and retain our new members. We offer simple, easy to understand pricing on our products and services without charging unnecessary fees.

Star One adheres to sound financial underwriting practices. We provide our members with professional guidance matching them with the right loan product for their needs. Star One has never participated or offered any sub-prime mortgage loans.


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