Savings and Checking Rates and Terms

 Open and fund your Checking or Sub-Savings Account. 

See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information. Click here for our membership application.

Certificate Account Rates and Terms

 Open and fund your New Certificate Account.  Click to renew your current Certificate Account.

See our Certificate Account Rate and Fee Disclosure and Membership and Account Agreement for more information.

IRA Account Rates and Terms

*Monthly only on IRA Savings Account.
**Only Applicable to Certificate Accounts at Maturity.
***See IRA Disclosure Page for additional information.

Visit our Financial Road of Life section to Open or Service an IRA and to access forms.

Consumer Loan Rates

Apply for a Disaster Loan here.

*Lower rates disclosed include the following discounts: 0.25% for using automatic payment, and/or 0.50% for using direct deposit. A new loan to Star One of $30,000 or more qualifies for an additional discount of 0.20%. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full.

**Visa Credit Card Agreement and Disclosure

^Your APR based on credit qualification.

+Lower rate disclosed includes a 0.25% discount for automatic payments. Rate discount would remain even if product rate changes.

Adjustable Rate Real Estate Loans

ⁱ Real estate loans over $1,000,000 may be subject to a higher interest rate. Contact a Star One Phone Representative for details.

*Conforming High Balance Loan Limits as high as $625,500 in some "High-Cost" areas.
***The Jumbo Loan limit is any amount greater than the HUD maximum conforming loan limit up to $1,000,000.

Maximum Loan limits for Conforming loans (first lien mortgage loans in high-cost areas) are published by the U.S. Department of Housing and Urban Development (HUD). HUD has provided a Web site to look up the mortgage limits for your area.

Learn more or apply for a Real Estate loan.

Considering refinancing with another Lender? Already have a Star One First Trust Deed and considering refinancing with another lender?  Most loan types qualify for our easy loan modification program.  A modification reduces your rate to our current offering for a fee typically lower than the cost of a refinance with a streamlined process and time line.  Contact us at 408-543-5202 or 866-543-5202 to see if your loan is eligible.  Please note that a hardship is not required to take advantage of this program.  After we determine your eligibility, please complete our Real Estate Modification Form.

Fixed Rate Real Estate Loans

iiThere is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

**The above Fixed Rate Mobile Home rates include a rate discount of 0.25% for Direct Deposit to a Star One account.

Maximum Loan limits for Conforming loans (first lien mortgage loans in high-cost areas) are published by the U.S. Department of Housing and Urban Development (HUD). HUD has provided a Web site to look up the mortgage limits for your area.

*Conforming High Balance Loan Limits as high as $625,500 in some "High-Cost" areas. 
***The Jumbo Loan limit is any amount greater than the HUD maximum conforming loan limit up to $1,000,000. 

3 Year Fixed to Adjustable Rate Loans⁴

ⁱⁱⁱ There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

5 Year Fixed to Adjustable Rate Loans⁴

^iv There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

7 Year Fixed to Adjustable Rate Loans⁴

^v  There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

10 Year Fixed to Adjustable Rate Loans⁴

^x 30 year maximum term also available, contact a loan officer for details. There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Investment Property

^vi  20 and 15 year Fixed Rate Terms available. Maximum loan amount is $1,000,000. Contact a loan officer for details.

^vii 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 $1,000,000. Contact a loan officer for details.

Learn more or apply for a Real Estate loan.

The Credit Union may offer other rates and terms in the future. For more information, refer to the Real Estate Loan Summary or call a number listed below. Interest rates and other Credit Union information including Star One's Rate Lock-In Commitment is available at www.starone.org.

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.
3. Rate and Points may be locked in for 60 days.
4. After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.
5. Conforming Loan Limits as high as $625,500 in some "High-Cost" areas.
   Maximum Loan limits for Conforming loans are published by the US Department of Housing and Urban Development (HUD).
   HUD has provided a web site to look up the mortgage limits for your area: https://entp.hud.gov/idapp/html/hicostlook.cfm
6. Real estate loans over $1,000,000 may be subject to a higher interest rate. Contact a loan officer for details.

Receive e-mail, text or voice alerts when our rates change. Click on the image to enroll.