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.
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 May 15, 2026 and are subject to change without notice.
Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
6.161% 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 6.161% APR corresponds to 3-Year Fixed-to-Adjustable Rate Mortgage at 5.500% interest rate.
3-year fixed-to-adjustable rate: Initial 6.161% 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 $1,703.37 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]
3-year fixed-to-adjustable rate: Initial 5.500% (6.161% APR for conforming loans, or 6.297% APR for jumbo loans) 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 $1,703.37, followed by 324 payments based on the then-current variable rate.
Loan payments may increase and 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 May 15, 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.
Evolving fraud trends, especially targeting older adults, demand awareness and proactive measures. In partnership with Santa Clara County Adult Protective Services (APS) and the Sunnyvale Police Department, please join us for an interactive workshop on preventing elder abuse. By raising awareness about the cultural, social, economic, and demographic factors that contribute to elder abuse and neglect, participants will learn how to avoid falling victim to scams and the red flags to watch out for. Our guest speakers will be available on site to address questions throughout the workshop.
Star One Credit Union today announced that its president and CEO, Minal Gupta, has been recognized as a 2026 Women of Influence honoree by Silicon Valley Business Journal, recognizing her leadership, industry impact and commitment to the community.
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.
