Best in Class in Real Estate Lending
- Fast approvals and quick closings for purchase transactions
- Single point of contact with a decision-maker
- Affordable first-time home-buyer program
- Fixed-rate second mortgage with no-closing-costs option
- Owner-occupied and investment-property first mortgage loans anywhere in the USA
- Easy online application
A Local Leader in Real Estate Lending
Year after year, Star One Credit Union is a top performer in member satisfaction and financial benefit, and is a local leader in helping members with their real estate financing needs.
Besides great, personal member service, Star One offers loans for all types of needs
Owner-Occupied Property Loans
- A variety of loan terms
- Competitive fixed and fixed-to-adjustable (ARM)[2] or adjustable rate mortgage) programs
- Single family residence and condominiums
- Primary residences and secondary / vacation homes
Investment Property Loans
- No origination fees and low closing costs
- Purchase or refi, non-owner-occupied condo, townhouse, or 1-4-family residence (no cash out)
- Investment property may be located anywhere in the USA
Home Equity Lines[3]
- No annual fee
- Option to convert the existing balance to a fixed rate and payment
- Loan amounts up to $750,000
- Home Equity lines of credit available on primary residence located in CA
Home Equity Loans
- No closing costs
- Extended loan terms
- Loan amounts up to $750,000
- Home Equity Loans available on primary residence located in CA
Lower Your Mortgage Rate Later
No complicated refinance necessary!
If interest rates drop in the future, it's easy to lower the rate on most Star One mortgages for a small fee.
Learn more about our unique Mortgage Rate Modification program.
Get details on who can apply for Star One membership.
Learn more about the benefits of banking at Star One Credit Union and view our Member Benefits Webinar.
Use promo code HOME200.
1. ARM mortgage loan rates may range from 5.980% APR to 5.884% APR during the initial fixed-rate period, which may be 3, 5, 7 or 10 years. The APR is subsequently variable, based on an index and margin, for the remainder of the 30-year term. For example, on a 30-year 3/1 ARM loan of $300,000 starting at 6.233% APR, you would make 36 payments of $1,656.60 during the initial three-year fixed-rate period. Loan payments do not include taxes and insurance.
2. Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.
3. Annual percentage yields (APY) of 3.51% for Membership Money Market Savings Account, and 0.10% for Free Checking. APYs are variable and subject to change. Minimum deposit of $50 to open a Money Market Savings Account and earn APY, $25 to open a Free Checking Account. $200 bonus is credited to your Star One Savings Account upon verification that a new membership and checking account are established. Only first-time Star One members and Checking Accounts qualify. Promo may not be combined with any other offer. All new accounts are subject to Star One credit approval, account-opening procedure, Truth-in-Savings account and membership terms, disclosures and fee schedule. Fees may reduce earnings. Minors, under the age of 18, and transfer-to-minor accounts not eligible for bonus. Star One Credit Union staff are not eligible for the bonus. Bonus subject to IRS reporting. OFFER EXPIRES 02/28/2026. PROMO CODE HOME200.