One of the lowest mortgage rates anywhere: our 5/5 ARM
Refinancing or buying a home? Or just looking for a better bank? Get flexibility and our lowest starting rate together in one loan—5.625%Rate (6.705%APR[1]
Annual Percentage Rate (APR). Current rate 5.625% (6.705% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $300,000, you would make 360 monthly payments. The monthly payment in the first five years would be $1,726.97 and would be adjusted after the fifth year.
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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[2]
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 October 21, 2026 and are subject to change without notice.
Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
Mortgage Loans
[3]
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.
[4]
The 3/1 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 5.875% (6.814% APR for conforming loans, or 6.945% 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 5.875% interest rate (6.814% APR) would be 36 payments of $1,774.61, followed by 324 payments based on future variable rates which adjust every year.
Loan payments do not include taxes and insurance.
as low as
6.814% APR[5]
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.
[6]
Featured 6.814% APR corresponds to 3-Year Fixed-to-Adjustable Rate Mortgage at 5.875% interest rate.
3-year fixed-to-adjustable rate: Initial 6.814% 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 $1,774.61 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance.
6.25% APR[7]
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 October 21, 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.
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When it’s time to take money out of your IRA, understanding the rules can help you make informed decisions. Learn about Required Minimum Distributions, penalty exceptions, and tax reporting requirements, along with practical tips to avoid common mistakes and plan ahead.
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