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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 60-month loan at 4.75% is $14.02 per thousand financed, and a sample payment on a 60-month loan at 8.75% is $15.96 per thousand financed. Rates are current as of April 03, 2026 and are subject to change without notice.
Promotional rates do not apply to loan modifications or refinancing of existing Star One loans.
6.129% APR[3]
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.
[4]
Featured 6.129% APR corresponds to 3-Year Fixed-to-Adjustable Rate Mortgage at 5.375% interest rate.
3-year fixed-to-adjustable rate: Initial 6.129% 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 $1,679.91 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
[5]
3-year fixed-to-adjustable rate: Initial 5.375% (6.129% APR for conforming loans, or 6.264% 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 $1,679.91, followed by 324 payments based on the then-current variable rate.
Loan payments may increase and do not include taxes and insurance.
[6]
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[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 April 03, 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.
We are excited to have an expert from Student Choice available to offer advice and answer any questions you might have on topics including: Choosing a College, The College Application and Acceptance Process, Scholarships and Grants, What is FAFSA and Why it's Important, and Federal Loans and Other Financial Aid Options.
Barringer brings more than two decades of leadership experience in consumer and commercial banking, with expertise spanning financial marketing, customer experience, and digital strategy.
A smart budget helps you cover your expenses and still buy some of the things you want. Find out how to make—and maintain—a budget based on your needs.
