Star One members have reported receiving a call or text by someone impersonating Star One's Fraud Department. We will never ask you for your user ID, passwords, PINs, or one-time passcodes. Please hang up or do not respond and contact Star One directly.
Juneteenth Day holiday: Star One branches are closed on Friday, June 19. Our contact center will be open from 9 AM to 5 PM. Online Banking, Mobile Banking, Touchtone Teller and our extensive ATM network will remain available.
We have moved out of California but still use StarOne for all our needs.
Member, Washington State
Great Professionalism! I've been a member for 25 years and as always StarOne always exceeded all expectations.
MOC, Monterey, CA
Christian was very helpful and kind in helping me with my accounts. Very professional and knowledgeable.
B P, Sunnyvale, CA
The best! Great customer service; low interest in loans; best security in banking and credit cards.
Gioconda C, San Jose, CA
Great service and very knowledgeable managers.
Robert P, San Jose, CA
We’re just like a bank and nothing like a bank.
At Star One we don't do high fees, low returns or villainous mustache twirling. Here, everything we do is in your best interest. So, you'll get high deposit yields - without messy tiers - low loan rates, and ridiculously low fees.
4.75% APR[1]
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions.
The range of APRs is 4.75% to 8.75%. A sample payment on a 84-month loan at 4.75% is $14.02 per thousand financed, and a sample payment on a 84-month loan at 8.75% is $15.96 per thousand financed. Rates are current as of June 17, 2026 and are subject to change without notice.
Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
6.319% APR[2]
The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $900,000. The APR for all other loans assumes a loan amount of $100,000.
[3]
Featured 6.319% APR corresponds to 3-Year Fixed-to-Adjustable Rate Mortgage at 5.750% interest rate.
3-year fixed-to-adjustable rate: Initial 6.319% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,750.72 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
Mortgage Loans
[4]
The 3-year fixed-to-adjustable-rate mortgage (also known as a "3-year ARM") is a 30-year loan that has a fixed interest rate for the first three years. For the remaining 27 years, the interest rate is variable.
The current interest rate for the first three years is 5.750% (6.319% APR for conforming loans, or 6.454% APR for jumbo loans).
After three years, the interest rate and APR will adjust every year, depending on market conditions, based on an index and margin.
This means that the interest rate and APR—and monthly payments—may increase or decrease every year after the initial three-year period.
You can use our mortgage calculator to calculate an estimated monthly payment for the first three years of this loan.
A sample payment scenario for a loan of $300,000 at the current 5.750% interest rate (6.319% APR) would be 36 payments of $1,750.72, followed by 324 payments based on future variable rates which adjust every year.
Loan payments do not include taxes and insurance.
[5]
In most of the country, the maximum conforming loan limit for one-unit properties is $832,750. In "high-cost" areas, the maximum conforming limit may be up to $1,249,125. 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.
6.25% APR[6]
Your Annual Percentage Rate (APR) may be higher, based on credit qualifications. The amount financed may vary, based on approval conditions.
The range of APRs is 6.25% to 8.00%. A sample payment on a 180-month loan at 6.25% is $8.58 per thousand financed, and a sample payment on a 180-month loan at 8.00% is $9.56 per thousand financed. Rates are current as of June 17, 2026 and are subject to change without notice.
Non-members must open a savings account and become a member before the solar loan is funded.
Promotional rates do not apply to loan modifications of existing Star One loans.
In recognition of World Elder Abuse Awareness Day on June 15, Star One Credit Union is highlighting the importance of protecting older adults from financial fraud and exploitation through education, awareness, and proactive safeguards.
The ranking, based on newly released data from Silicon Valley Business Journal, evaluates credit unions headquartered in the Greater Bay Area based on the dollar increase in residential real estate loan portfolios over a one-year period.
Money stress doesn't just affect finances—it impacts overall wellbeing. This interactive workshop explores the connection between money, stress, and mental health, helping participants understand how financial habits and thought patterns influence emotional wellbeing.
By accessing the link you selected, you are leaving the website controlled by Star One and entering a third-party website.
Please be advised that the third-party website is not under the control, direction, or ownership of Star One. As such, if you choose to continue, you will no longer be subject to, or under the protection of, the privacy and security policies of our website.
We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different from ours. By selecting the button below, you agree to continue to navigate to the third-party website.
