About Us

• Gary Rodrigues, President/CEO
• Margarete Mucker, Executive Vice President - Operations
• Brian Ross, Executive Vice President - Finance & Administration
• Kevin Collins, Senior Vice President - Loan Services
• Lynn Brubaker, Vice President
• Mayra Koury, Vice President - Deposit Services
• Minal Gupta, Vice President - Remote Services
• Joe Fagenstrom, Vice President - Marketing
• Koji Fukumoto, Vice President - Internal Audit
• Russ McAlpine, Vice President - Information Systems
• Safal Panicker, Vice President - Treasurer
• Regina Rutledge, Vice President - Human Resources
• Ann Sebastian, Vice President - Controller
• Chris Beer, Senior Information Systems Manager
• Patricia Gustafson, Senior Accounting Manager
• Steve Harris, Senior Administration Manager
• Ed Machado, Senior Information Security Manager
• Cheryl Roy, Senior Card Services Manager
• Fred Shuherk, Senior Web Services Manager
• Kathy Sullivan, Senior Loan Services Manager
• Luis Alvarez, Manager - Asset Liability
• Chris Ensley, Manager - Consumer Loans Services
• Vanessa Brosas, Enterprise Branch Manager
• Jeremy Brush, Call Center Manager
• Carol Delfino, Blossom Hill Branch Manager
• Tanya McKenzie, Community & Business Development Manager
• Susanna Fong, Marketing Manager
• Kimberly Hunter, Stevens Creek Branch Manager
• Alex Kim, Compliance Manager
• Darla Lester, Support Services Manager
• Don Lindt, Digital Marketing Manager
• Long Luong, Administration Manager
• Elva Maciel-Harris, Big Basin Branch Manager
• Anthony Metten, Training & Development Manager
• Clayton Morrow, El Camino Branch Manager
• Rena Schaut, Human Resources Manager
• Lisa Stagnaro, Account Services Manager
• Victoria Tabler, Real Estate Loan Services Manager
• Grace Thompson, De Anza Branch Manager

The credit union community is unique. Member owned and operated, only credit union members may volunteer to become a part of the Board of Directors or Supervisory Committee. This volunteer structure sets us apart from other types of financial institutions, and helps to ensure the financial stability and soundness of the credit union. Board and Supervisory Committee members commit a significant amount of personal time and effort to ensure the continued success of Star One, and are the embodiment of dedication and hard work.

Star One's Board of Directors is comprised of nine members. Directors are responsible to oversee and direct the corporate activities. Board Members are elected by Star One Credit Union members at our Annual Meeting and serve staggered three-year terms as volunteers. Many of our Board members have long-term relationships with the credit union as members and have held various positions on the Board and/or Supervisory Committee.

Star One's Supervisory Committees' primary responsibility is to assure that the credit union operates in accordance with the rules and regulations set forth by the National Credit Union Administration (NCUA) and Department of Business Oversight (DBO) in addition to other regulators, that internal controls are established and effectively maintained, and that the Board of Directors' plans, policies and procedures are properly administered. The committee helps to protect the interests of Star One members by ensuring that the credit union operates in a safe and sound manner. Supervisory Committee members are also elected by members and serve three-year terms.

Star One Credit Union has Board/Supervisory Committee Associate members. The Board of Directors approves Associate members for a one-year period. Associate members provide a pool of potential Board or Supervisory Committee members for consideration at a later date.

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

Star One's Board of Directors

• Doug Flowe - Chair
• David Daggett - 1st Vice Chair
• Jeff Gaut - 2nd Vice Chair and Assistant Treasurer
• Scott Dunlap - Treasurer
• Richard Aochi - Secretary
• Patricia Humecke - Assistant Secretary
• Martin Eng - Director
• Melissa Henck - Director
• Triny Lee - Director
• Gae Adams - Emeritus Director
• Bill Lewis - Emeritus Director
• Jack McElravey - Emeritus Director

Star One's Supervisory Committee

• Christina Goeas - Chair
• Ponprom (Mel) Flynn - Member
• Brian Lawler - Member
• Krishna Marella - Member
• Cyrus Tabari - Member

Board/Supervisory Committee Associates

• Tyler Brock
• Madelaine Kolda

Star One Credit Union

Consolidated Financial Statement as of APRIL 30, 2019

Assets
TOTAL LOANS, RECEIVABLES AND CASH	$ 4,267,100,105
TOTAL NET INVESTMENTS	$ 4,197,967,770
TOTAL OTHER ASSETS	$     126,711,422
TOTAL ASSETS	$ 8,591,779,296

Liabilities/Deposits/Equity
TOTAL LIABILITIES	$     576,679,006
TOTAL DEPOSITS	$ 6,987,130,078
TOTAL NET EQUITY	$ 1,027,970,212
TOTAL LIABILITIES, DEPOSITS & EQUITY	$ 8,591,779,296

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, 2018, Star One received its 112th consecutive quarter of superior (5 star) performance from Bauerfinancial Inc. You can learn more about Star One's, and other Credit Union's "Star Ratings," on the Bauerfinancial Inc site.

Star One Credit Union Annual Reports

• Star One 2018 Annual Report
• Star One 2017 Annual Report
• Star One 2016 Annual Report
• Star One 2015 Annual Report
• Star One 2014 Annual Report
• Star One 2013 Annual Report
• Star One 2012 Annual Report
• Star One 2011 Annual Report
• Star One 2010 Annual Report

The Star One family of staff, friends, volunteers, and members are involved in many different events that support organizations throughout the Silicon Valley. From local walking events that raise money to support walking trails and health-related events, to helping homeless and underprivileged families, the Star One team remains committed to helping others.

2017 Team Community Events

• Alzheimer's Association - Walk to End Alzheimer's
• American Cancer Society – Golf Tournament
• American Diabetes Association – Silicon Valley Tour de Cure
• Cystic Fibrosis Research, Inc.: Golf Tournament
• Family Giving Tree: Back-to-School Warehouse and Holiday Warehouse
• Friends of Stevens Creek – 22nd Annual Trailblazer Race
• HEALTH Trust - Meals on Wheels: Star One Bowl-A-Thon
• Operation Care & Comfort – Sorting and Packaging
• Organs 'R' Us – Golden Gate Relay
• Pancreatic Cancer Action Network - PurpleStrides Silicon Valley Walk
• Second Harvest Food Bank: Holiday Food Sorting Warehouse

Chamber of Commerce Support

Management staff supports and participates in nine Chamber of Commerce's within Santa Clara County by attending after hours networking mixers, business expos and events on a monthly basis.

• Campbell Chamber of Commerce
  • Annual Golf Tournament—Birdie Sponsor (August 2017)
• Cupertino Chamber of Commerce
  • Cupertino “Bay Area Diwali Festival of Lights”—Gold Sponsor (September 2017)
• Hispanic Chamber of Commerce Silicon Valley
• Los Altos Chamber of Commerce
• Los Gatos Chamber of Commerce
• Milpitas Chamber of Commerce
  • Milpitas Auction & Crab Feed – Yacht Club Gold Sponsor (March 2017)
• Mountain View Chamber of Commerce
  • Mountain View Art & Wine Festival—Wine Glass Sponsor (September 2017)
• Palo Alto Chamber of Commerce
  • Tall Tree Awards Dinner – Table Sponsor (May 2017)
• San Jose Silicon Valley Chamber of Commerce
• Santa Clara Chamber of Commerce
• Saratoga Chamber of Commerce
  • Hosted the Saratoga Mixer at our Big Basin Branch (February 2017)
  • Saratoga Spring Wine Stroll – Entertainment Sponsor (May 2017)
  • Saratoga Classic Car Show – Key & Stage Sponsor (July 2017)
  • Saratoga Brews & Blues Festival – Beer Glass Sponsor (September 2017)
  • Saratoga Winter Wine Stroll – Christmas Present Sponsor (November 2017)
• Sunnyvale Silicon Valley Chamber of Commerce
  • Sunnyvale Murphy Awards Dinner – Wine Bottle Sponsor (February 2017)
  • Sunnyvale Art & Wine Festival – Sponsor (June 2017)
  • Exhibitor - Connect with Sunnyvale Business Expo at Juniper Networks (August 2017)
  • Exhibitor - Connect with Sunnyvale Business Expo at Lockheed (August 2017)

Leadership Sunnyvale

Since 2008, Star One has sponsored and hosted the "Business Day" class for Leadership Sunnyvale. Leadership Sunnyvale provides participants in the Sunnyvale community the tools, knowledge and relationships to make a difference in their community. They learn how local governments and non-profits work together to provide essential services and leadership to their citizens. They are supported through an alliance of civic, educational, business and government organizations within the Silicon Valley region.

Star One contributes to many different organizations throughout Santa Clara County. We look for organizations that work to improve the lives of people throughout our service area.

• ALS Association - Golden West Chapter
• Alzheimer's Association
• American Cancer Society, Inc.
• American Diabetes Association, Inc.
• American Heart Association
• Assistance League of San Jose
• Autism Speaks, Inc.
• Bay Area Cancer Connection
• Blossom Birth Services
• Books for Treats
• Breathe California of the Bay Area
• Cake4Kids
• Crohn's and Colitis Foundation
• Cystic Fibrosis Research, Inc.
• Cancer CAREpoint
• Child Advocates of Silicon Valley
• Citizen Schools
• Cupertino Education Endowment Foundation
• Cystic Fibrosis Research, Inc.
• Employment & Community Options
• Family Giving Tree
• Family Supportive Housing
• Fresh Lifelines for Youth
• Friends of Stevens Creek Trail
• Happy Hollow Park & Zoo
• Health Trust - Meals on Wheels
• HomeFirst
• Humane Society Silicon Valley
• Jacob's Heart Children's Cancer Support Services
• Live Oak Adult Day Care Services
• Lucile Packard Foundation for Children's Health
• Lupus Foundation of Northern California
• Morgan Autism Center
• National Alliance on Mental Illness
• The National Credit Union Foundation
• NephCure Kidney International, Inc.
• Nike Animal Rescue Foundation
• Operation: Care and Comfort
• Organs R Us
• San Jose Day Nursery
• Pancreatic Cancer Action Network, Inc.
• Sacred Heart Community Service
• San Andreas Regional Center
• Saratoga Adult Day Care Center
• Second Harvest Food Bank of Santa Clara and San Mateo Counties
• Silicon Valley Community Foundation
• Silicon Valley FACES
• Special Olympics Northern California
• Stanford Health Care
• Stroke Awareness Foundation
• Sunday Friends
• Sunnyvale Community Services
• Support LeeAnne
• The Tech Museum of Innovation
• Marine Toys for Tots Foundation
• VMC Foundation
• West Valley Community Services

From the young to the young at heart, Star One is helping to make the communities we serve a better place to live and work. Through our Elder Financial Abuse Program to our Internship Program for the young adults just starting out, Star One provides resources and support for a wide array of programs and services. With government funding being reduced in many areas throughout Santa Clara County and cities we serve, there is a real need for companies like Star One to step in and assist families.

Financial Education Program

Star One is sponsoring Everfi's financial education program in five local high schools in Santa Clara County. Everfi is an award-winning, web-based course that uses video, animations, 3-D gaming, avatars and social networking to bring financial concepts to life for today's digital generation. Course curriculum aligns with both state and national financial literacy standards and Common Core State Math Standards. The Financial Education Program will provide valuable knowledge and skills to help high school students develop a secure financial future from nine interactive modules: Savings, Banking, Payment Types, Credit Scores, Higher Education, Renting vs. Owning, Insurance & Taxes, Consumer Protection, & Investing.

Elder Financial Abuse Prevention
With the explosion of our elderly population, experts are calling elder financial abuse "the crime of the 21st century" As a result, Star One has joined the fight to protect our aging members. Working closely with the Santa Clara County Department of Aging and Adult Protective Services (APS) for years, Star One became a role model for other institutions in reporting suspected and known elder financial abuse. Star One is an active supporter of the Elder Financial Prevention Network (EFPN) dedicated to the prevention of elder financial abuse through community education, public awareness campaigns and professional training. As a result of such efforts, financial crimes have been averted, saving potential victims hundreds of thousands of dollars.

Star One's Beneficiary and Retiree Services (BRS) Team
For over 25 years, Star One's Beneficiary and Retiree Services Team has been committed to providing service and assistance to survivors and beneficiaries of deceased members. Over the years, the group's efforts have expanded to include educating members, staff and the community about early detection, prevention and dealing with suspected or known elder financial abuse. Star One has sponsored no-cost workshops on Identity Theft Prevention for local seniors, their families and caretakers.

Internship Program
Star One's Internship Program is another example of Star One's support within its local community. The program provides a valuable opportunity for higher education students to complement their formal education with practical, career related experience.

IRS VITA Program
Since 2008 Star One has committed resources and personnel providing office space, equipment and marketing materials to support the Volunteer Income Tax Assistance Program offered through the Internal Revenue Service. In support of the program, the Credit Union makes available staff and several of its branches to provide free tax assistance to those with low-to-moderate income who are unable to file their own tax returns. Members have also volunteered to train with the IRS to assist in this important program. Since Star One began participating in the program, the number of completed filed applications per year has consistently exceeded target goals established by the IRS.

Student Loan Program
In 2008 Star One began offering private student loans to help fill the gap caused by lenders discontinuing their programs. The low-rate, no-fee program has been well received by members, evidenced by strong loan growth since the program launch. Star One offers private student loans to both undergraduate and graduate students.

• City of Mountain View: 39th Annual Spring Family Downtown Mountain View Parade
• Palo Alto Friends Nursery School: Fiesta Fundraiser - Platinum Sponsor (April 2017)
• Cupertino Educational Endowment Foundation: 5k Run for Great Schools – Silver Sponsor (August 2017)
• Los Gatos Morning Rotary Charitable Foundation: Plein Air & Wine Festival – Silver Sponsor (June 2017)
• Downtown Los Altos Village Association: 38th Annual Art & Wine Festival - Estate Sponsor (July 2017)
• Almaden Valley Women’s Club: 41st Annual Art & Wine Festival - Silver Sponsor (September 2017)

Let us help you navigate the sometimes-difficult decisions associated with managing and building a strong financial base of knowledge!

Star One sponsors many types of workshops throughout the year from financial success and budgeting to planning for college and retirement.

• Age Well, Plan Well
• Building a Better Budget
• Cyber Security Awareness
• Home Buying
• Online Banking
• Planning for Your Retirement
• Top 10 Reasons to Open an IRA
• Using Credit Cards Wisely

The workshops are free to members and non-members. Registration is required.

Attend our upcoming workshops and webinars.

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

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

CUNA estimated that Star One provides $146,659,244 in direct financial benefits to its members during the twelve months ending December 2018. These benefits are equivalent to $2,964, the highest benefits ever reported, 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.

We strive to deliver more valuable services to you every day. Thank you for the opportunity to let us serve your financial needs.

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. 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.

Forbes listed Star One as one of the Top Credit Union

Forbes published their first Best Banks and Credit Unions in Every State list and included Star One as one of the top credit unions.

The list recognized 145 of the 5,750 credit unions in the United States for member satisfaction, willingness to recommend, trust, terms and conditions, branch services, digital services and financial advice. The list is based on opinion surveys of 25,000 members/customers on their current and former banking relationships.

Corporate Philanthropists Award 2014-2018

For the fourth consecutive year, Star One was recognized as one of the 50 leading supporters of Silicon Valley’s nonprofit organizations. Star One received the 2018 Corporate Philanthropists Award at the Silicon Valley Business Journal’s Corporate Philanthropic Awards dinner.

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

Star One and its employees directly contribute time, money, and in-kind donations to programs like the Alzheimer's Association, Autism Speaks, Second Harvest Food Bank, Cake4Kids, Family Giving Tree, The Health Trust Meals On Wheels, Hope Services, Lucile Packard Children’s Fund, Marine Toys for Tots Foundation, Silicon Valley Faces, Humane Society Silicon Valley and so much more.

Bauer Financial, Inc.
Star One was recognized by Bauer Financial, Inc. and awarded "Superior," their highest rating, for over 112 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

IDC Financial Publishing, Inc. "Superior"
Star One was awarded the highest financial rating by IDC Financial Publishing, Inc.

IDC ranks credit unions using its proprietary methodology and regulatory reports submitted to the federal government. The "Credit Union Financial Profiles" identifies several financial ratios, assigns a weight factor to each based on its relative importance to the health of the institution, and then combines the overall view into a numeric summary rank. IDC has a remarkable track record of being able to identify deteriorating or improving performance many months, and sometimes years, before it becomes apparent to less-sophisticated ranking companies. www.idcfp.com

Weiss Ratings "Excellent"
Star One received the highest financial rating of A+ by Weiss Ratings.

For more than 20 years, Weiss Ratings has had an unparalleled track record warning of the weaknesses of hundreds of insurance companies and financial institutions that subsequently failed. Weiss Ratings strives for fairness and objectivity in its ratings and analyses, ensuring that each company receives the rating that most accurately depicts its ability to deal with severe economic adversity. Weiss Ratings accepts no payments for its ratings from rated institutions. www.weissratings.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.

Operation Care & Comfort
Rick Heldebrant, President and CEO of Star One Credit Union, accepted on behalf of Star One an American Flag that was flown over A1 Faw Palace, Camp Victory, Baghdad, Iraq during "Operation New Dawn" in 2010. The American Flag was given in recognition for Star One's commitment and dedication to the service men & women of United States forces - Iraq. On behalf of the Soldiers, Sailors, Airmen, & Marines they thanked Star One for their continued support of the troops.