About Us - Star One Credit Union
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Routing number: 321177968
In your best interest

About Us

As a member of Star One Credit Union, you are part of one of Silicon Valley's largest, member-owned financial institutions.

Strength and Stability

As a member of Star One Credit Union, you are part of one of Silicon Valley's largest, member-owned financial institutions. Star One offers financial services to more than 126,000 members worldwide. With assets over $10.1 billion, Star One is ranked 19th in total assets among over 4,900 credit unions nationally.

Advantages of a Credit Union

As a member-owned financial institution, we are focused on providing long-term financial solutions to all of our members. As a result, we are able to return our profits back to you in the form of money-saving benefits, including:

  • Higher interest on saving accounts
  • Lower interest rates on loans and mortgages
  • Reasonable, if any, fees on products and services like checking, credit cards and real-estate loans.

Our mission is to improve each member's life by delivering valuable financial services.

Check out our Awards and Recognition page.

Commitment to the Community

The employees, Board and Volunteers of Star One recognize the importance of contributing to the communities we serve and being a strong corporate citizen.

Star One partners directly and indirectly with many different organizations throughout Santa Clara County and neighboring counties to support and provide resources through direct financial support, other in-kind contributions to organizations, and by participating in local public service activities.

Learn more about our Commitment to the Community.

Star One Credit Union

Consolidated Financial Statement as of February 29, 2024

Assets
TOTAL LOANS, RECEIVABLES AND CASH $    6,055,752,444
TOTAL NET INVESTMENTS $    3,748,598,737
TOTAL OTHER ASSETS $        332,342,622
TOTAL ASSETS $ 10,136,693,803
Liabilities/Deposits/Equity
TOTAL LIABILITIES $    1,793,046,192
TOTAL DEPOSITS $    7,317,875,288
TOTAL NET EQUITY $    1,025,772,323
TOTAL LIABILITIES, DEPOSITS & EQUITY $ 10,136,693,803

More complete financial reports are available for prior quarterly periods at the NCUA website. The Star One charter number is 68465; it is used to access NCUA reports.

Star One Credit Union (and other federally insured credit unions) file a periodic call report with the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member's deposits in credit unions. Administered by the NCUA, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.

At the NCUA website, you can select their link to "Research a Credit Union (Find a Credit Union)" Follow the links to "Go To Research a Credit Union" This will allow you to view Call Reports or Financial Performance Reports (FPR) online.

You can also select the NCUA website link to "Financial Performance Reports". This will allow you to view online a 2-page FPR summary for a credit union. One page is the Financial Summary and one page is the Ratio Analysis.

As of the period ending June 30, 2023, Star One received its 132nd consecutive quarter of superior (5 star) performance from Bauerfinancial Inc.

Employees are our greatest asset at Star One! Browse our online careers listings.

Star One ranked #1 by the Credit Union National Association 10 years in a row

Once again, the Credit Union National Association (CUNA) honored Star One with the Benefits of Membership Award for providing the highest direct financial benefits to its members.

CUNA estimated that Star One provides $227,430,929 in direct financial benefits to its members during the twelve months ending September 2023. These benefits are equivalent to $3,888 per member household. CUNA also added, since these benefits are calculated as averages, loyal members who use the credit union extensively often receive total financial benefits that are much greater than these averages.

Download the complete Star One Membership Benefits Report.

Learn more about what makes Star One one of the best credit unions.

Through consistent hard work and persistent focus on helping members and the communities we serve, Star One has received many prestigious awards over the years. Check out our Awards and recognition page.

Our awards range from financial safety and soundness to community involvement. By providing sound financial services that improve the lives of our members, working to be a strong corporate citizen and contributing to local organizations, Star One is helping to make Santa Clara County a better place to live, work and play.

Bankrate recognized Star One as the 9th Best Credit Union

In January 2022, Bankrate published a report that listed Star One as the 9th Best Credit Union in the U.S. (and the 1st in California).

Since 1976, Bankrate has analyzed and scored U.S. credit unions based on a variety of factors, including product selection, interest rate offerings, account fees, mobile and online features and more.

Additional information is available on the Bankrate.com website.

GoBankingRates recognized Star One's "Great Digital Experience"

GoBankingRates lists competitive rates, excellent digital services, and minimal account fees as pros of banking with Star One.

GoBankingRates was founded in 2004 to provide consumers with information about banks and credit unions.

More detailed information about the assessment of Star One is available on the GoBankingRates website.

Silicon Valley Business Journal recognized Star One as 4th Most Efficient Credit Union

On January 25, 2022, a Silicon Valley Business Journal article listed Star One as the 4th "most efficient" credit union in the U.S.

The criteria used to rank the credit unions was member deposit balances per full-time employee.

Corporate Philanthropist 2014-2021

For the seventh consecutive year, Star One was recognized as one of the 50 leading supporters of Silicon Valley's nonprofit organizations at the Silicon Valley Business Journal’s Corporate Philanthropy Awards. The awards were based on 2021 giving and celebrated in 2022. Star One placed 19th out of 50, moving from the 27th spot previously.

Star One also made The San Francisco Business Times Top 100 Corporate Philanthropists list based on contributions to Bay Area charities and organizations in 2021, placing 50th overall.

Star One Credit Union is proud to be affiliated with the surrounding communities. In addition to providing quality financial products and services to members who live, work or attend school in the communities we serve, Star One makes a commitment each year to be a positive force through sponsorships, volunteerism and contributions to various programs and organizations.


Bauer Financial, Inc.
Star One has been awarded "Best of Bauer"—a designation reserved solely for financial institutions that have earned and maintained their highest rating of 5 stars for at least 25 years (100 consecutive quarters). Star One has earned and maintained a 5-star rating for 132 consecutive quarters.

The nation's leading independent bank and credit union rating and research firm, has been analyzing and reporting on the financial condition of the nation's banking industry since 1983. Financial institutions cannot pay for ratings, and cannot avoid being evaluated by Bauer Financial, Inc. www.bauerfinancial.com


Visionary Leadership Award
At the 6th Annual Call to Action Conference of the Elder Financial Protection Network (EFPN) held in 2009, Star One Credit Union was conferred the Visionary Leadership Award for its ongoing efforts to protect the aged from financial abuse. Following receipt of the award, Star One's President & CEO Rick Heldebrant noted, "Star One Credit Union remains committed to raising awareness within our community about elder financial abuse. Our commitment to this imperative is especially relevant given the current economic environment. We believe education and awareness leads to prevention and are powerful tools in the fight against this crime. As a Credit Union we value our unique position within the community we serve and take seriously our commitment to educate others on ways to avoid financial exploitation and loss." Star One remains an active supporter of EFPN's dedication to the prevention of elder financial abuse through community education, public awareness campaigns and professional training.


Abby Award
Arts Council Silicon Valley awarded Star One Credit Union an ABBY Award at the 2008 Silicon Valley Arts & Business Awards Luncheon for our Small Business Support.

Star One was nominated by American Musical Theatre, San Jose (AMTSJ) for sustained general operating funds and for fully funding AMTSJ's High School HONORS, the Company's program for training and mentoring young musical theatre performers and technicians.

Since opening our doors over six decades ago, Star One has had a long history with the Bay Area and deep roots in Silicon Valley.


1956 – October

The Lockheed Missile Employees Federal Credit Union was chartered to serve employees of the new Lockheed Missiles and Space Division in Sunnyvale, California. The following January, 1,350 member accounts were transferred from the Lockheed Aircraft Employees Federal Credit Union in Burbank.

1980

Over several years, new products and services were introduced including share draft (checking) accounts, credit and home equity lines, IRAs, certificate accounts, longer-term first mortgage loans, ATMs, Touchtone Teller service, and Visa credit cards.

1981

The Credit Union celebrated its 25th anniversary and changed its name to LMSC Federal Credit Union.

1985

Assets grew to $435 million, loans totaled $217 million and there were 43,153 members.

1993

The Board of Directors changed the field of membership, allowing Star One to offer membership to Select Employee Groups (Corporate Partners) outside the Lockheed Martin community.

1995

Star One Federal Credit Union became the new name while assets surpassed $1 billion.

1996

Star One's website and secure Online Banking were launched.

2001

The Credit Union became state-chartered and changed its name to Star One Credit Union. All individuals living, working and attending school in Santa Clara County were allowed to become members.

2003

The De Anza Branch in Cupertino, California was opened.

2004

Bill Pay service was introduced in Online Banking.

2006

Star One celebrated its 50th anniversary while growing to be the largest credit union based in Santa Clara County, and the 17th largest in the nation, with more than 72,000 members worldwide. The Blossom Hill Branch was opened in San Jose, California.

2007

The El Camino Branch in Palo Alto, California was opened. The Sunnyvale branch was relocated from 8th Avenue to Enterprise Way, and some employees moved to a new Administrative Building nearby.

2010

The Stevens Creek Branch in San Jose, California was opened, becoming Star One's fifth branch in Santa Clara County.

2011

The Mobile Banking App was launched giving members another secure and convenient way to view and manage Star One accounts.

2016

The Big Basin Branch was opened in historic downtown Saratoga, California.

2017

Star One membership grew to 100,000 members.

2020

Star One opened the field of membership to include individuals living, regularly working, or attending school in Santa Clara, Alameda, Merced, Monterey, San Joaquin, San Mateo, San Benito, Santa Cruz, and Stanislaus Counties.

Zelle®, a person-to-person payment service, was launched in Mobile Banking.

2021

Star One surpassed $10 billion in assets.

The El Camino Branch in Palo Alto was relocated to the San Antonio Branch in Los Altos, California, giving members another convenient and accessible branch location.

2022

Star One launched its Virtual Branch, bringing convenience to members no matter where they reside.


Today, Star One Credit Union is a full-service financial institution with assets exceeding $10.1 billion and more than 126,000 members.

The information contained in the Star One Credit Union web site is intended to summarize our products and services. It is not a complete disclosure of all terms and conditions. For complete information and disclosure please contact Star One Credit Union directly.