Savings and Checking Rates and Terms

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.

Click here for our Checking Account application.

Certificate Account Rates and Terms

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

Click here for our Initial Certificate Account Application.

Click here for our Renewal Certificate Account Application.

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

*We will reduce the ANNUAL PERCENTAGE RATE as follows if you have the identified products: 0.25% for using automatic payment and/or 0.50% for using direct deposit or 0.50% for participation in Invest in America. (Discounts not to exceed maximum of 0.75%.) 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.

Adjustable Rate Real Estate Loans

ⁱ Real estate loans over $1,000,000 may be subject to a higher interest rate. Contact a member phone services representative for details.

*Conforming Loan limits as high as $729,750 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.

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.

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.

• Other rates and point options are available. Contact a member phone services representative for details.
• Rate and Points may be locked in for 60 days. The actual rates available to you will vary based on a number of factors. Please note that these rates are only available to qualified applicants and assume excellent credit.
• After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.
• Real estate loans over $1,000,000 may be subject to a higher interest rate. Contact a loan officer for details.

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