For banking by telephone, to find an ATM, or to speak to a Star One phone representative for assistance with this website, please call us at 866-543-5202 or 408-543-5202.
Star One Mobile App

Star One Mobile Banking
It's free and secure to use!

Get the Star One Mobile Banking app for your device.
It's free, intuitive, safe and secure to use!

Skip navigation

Certificate Accounts

Star One Certificate Accounts offer a high yield for your savings, similar to a bank "CD Account" (certificate of deposit).

Today's Certificate Account rates (similar to "CD rates" at most banks)*

Watch your savings grow!


2-year Certificate Rate*



APY** (1.98% rate)

Your $5,000 deposit can be:
$XXX after 2 years

1-year Certificate Rate*



APY** (1.69% rate)

Your $5,000 deposit can be:
$XXX after 1 year

6-month Certificate Rate*



APY** (1.29% rate)

Your $5,000 deposit can be:
$XXX after 6 months

Certificate Accounts

  • $2,500 minimum deposit
  • 6-month, 1-year and 2-year terms
  • Deposits are insured up to $250,000 by National Credit Union Administration (NCUA)
  • Certificate rates are fixed for the duration of term
  • Dividends are paid monthly and at maturity
  • Choose from three ways to manage your dividends:
    1. add dividends to your certificate-account principal
    2. automatically transfer dividends to your Star One checking and savings
    3. mail dividends to your home

* A Certificate Account (or "Share Certificate Account") is similar to a Certificate of Deposit (CD), but it is issued by a credit union, rather than a bank.

** Annual Percentage Yield

Calculated earnings are estimates only and may vary slightly from those quoted due to rounding. If funds are withdrawn before maturity, earnings will be reduced and an early-withdrawal penalty may be imposed.

Open a Certificate Account Online

Two easy ways to open a Certificate Account:

  • In Online Banking—instantly open a Certificate account in the "Additional Services" menu

  • If you don't use Online Banking, you can open a Certificate Account here

See our Certificate Account Disclosure for account details.

Certificate Accounts may be renewed or closed online inside Online Banking in the Forms menu.

Certificate Accounts may be renewed or closed by mail by signing and submitting this account-closure form.