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Star One Credit Union - Silicon Valley Credit Union with branches in San Jose, Palo Alto, Sunnyvale, Cupertino and Saratoga
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    Remember that Star One employees will never call you to verify or ask for your personal information.

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  1. Home
  2. Car Loans
  3. Car Sale Event

Star One's Two-Week Car Sale

Bringing you great value for purchasing a used vehicle.

Car Sale open to members and non-members!

Star One has partnered with Enterprise Car Sales to bring you a special two-week car sale event.

Finding a beautiful used vehicle with a low Star One loan rate couldn't be easier!

No payment for 90 days!2


Add $1,000 to your trade-in value!

Exclusive Star One car sale offer. Enterprise will appraise your vehicle using Kelley Blue Book© Trade-In Value and add $1,0003 upon used vehicle purchase from Enterprise Car Sales.


February 15-28, 2021

Mon-Fri: 10AM - 7PM
Sat: 11AM - 7PM
Sun: 11AM - 5PM
Schedule an appointment online.
Appointments are encouraged, though walk-ins accepted.

Enterprise Car Sales
4517 Stevens Creek Blvd
Santa Clara, CA 95051
(Stevens Creek Blvd. and Woodhams Rd.)

Quick car financing and preapproval

  • Members and non-members. Save time by getting preapproved before the car sale. Apply for a Star One car loan online for an instant preapproval.

    Online Loan Application

Used Car Loan Rates

Loans $30,000 or more

Annual Percentage Rate Range

2.60

%

- 6.60

% *

Monthly payment: $13.04 - $14.90 per $1,000, Fixed rate, 7 years maximum term


Loans Under $30,000

Annual Percentage Rate Range

2.80

%

- 6.80

% *

Monthly payment: $13.13 - $15.00 per $1,000, Fixed rate, 7 years maximum term

* Your APR based on credit qualification.



  • Not a Star One member yet? Learn the value of a Star One membership
  • Check your FICO® Score (free)
  • Calculate your car payment: Car Loan Calculators
  • Lower the interest rate on a current Star One car loan

Optional Protection Plans

Major Mechanical Protection (MMP)

Major Mechanical Protection provides financial protection against the costs associated with many mechanical breakdowns that normally fall outside of the manufacturer's warranty, and/or after the warranty has expired. Most people own their vehicles far beyond the terms of the factory warranty. Without Major Mechanical Protection (MMP), you may experience costly repairs and decreased resale or trade-in value of your vehicle.

With the average family driving 18,000 to 20,000 miles per year, the vehicle may be out of manufacturer's warranty in less than two years. MMP covers the costs of many major repairs, such as the engine, transmission, drive axle, fuel delivery system, and electrical, just to name a few.

View our Major Mechanical Protection PDF brochure.

Vehicle Coverages

MMP is available on new and used vehicles. Deductibles range from $0 to $50 to $100. Four different plans are offered:

  • Platinum
  • Gold
  • Silver
  • Copper

New Vehicle Eligibility Guidelines

  • Current model year plus 4 previous years
  • Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period
  • Up to 90,000 miles

Used Vehicle Eligibility Guidelines

  • Platinum, Gold and Silver coverage—Current model year plus 9 previous years and up to 150,000 miles
  • Copper coverage—Current plus 14 prior model years and unlimited mileage (vehicles older than 10 model years are subject to exception review). Maximum claims payout $3,500
  • Vehicles outside manufacturer's warranty or purchased more than 21 days ago will be subject to a 30-day and 1,000-mile claims waiting period

Exclusions and deductibles may apply.

Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP) with PowerBuy covers the difference between your loan balance and the amount your insurance policy would pay out if your vehicle were to be damaged beyond repair ("totaled") or stolen and never recovered. Your insurance policy will pay you the cash value of the vehicle, while GAP coverage is paid when the loan balance is higher than the vehicle's actual cash value paid by your insurer.

In addition, with PowerBuy, you may be eligible for up to $6000 toward the financing of a replacement vehicle (autos and motorcycles) if the vehicle is financed through the Credit Union within 90 days of settlement. See our GAP PowerBuy PDF brochure.

For boats and recreational vehicles, the benefit is up to $1000 toward the financing of a replacement vessel/vehicle if the vehicle is financed through the credit union within 90 days of settlement.

View our Guaranteed Asset Protection PDF brochure.

Protection Benefits

  • Protects your credit rating
  • Eliminates or reduces out-of-pocket expenses for the remaining loan balance after a loss settlement
  • You may purchase a replacement vehicle sooner because there is little or no carry-over balance
  • Maximum benefit:
    • Motorcycles: $50,000
    • Automobiles: $100,000
    • RVs and boats: $125,000
  • May be purchased up to one year from effective date of loan

Exclusions and deductibles may apply.

Credit Life and Disability

Credit Life and Disability Insurance protects your loan. Even if you have life insurance, other unfortunate circumstances could impact your monthly income. Having the peace of mind that your loan payment will be made, should you become disabled due to injury or illness, is worth the minimal cost added to your loan payment.

View our Credit Life and Disability PDF brochure.

 

Maximum Coverage Limits

Level Rate Disability Life
Coverage Amount Unlimited $50,000 per loan
Termination Age 70 70
Coverage Duration 120 months 120 months
Monthly Benefit Amount $750.00 per loan Not applicable

Who is Eligible and How Much Does it Cost?

Level Rate Disability Life
Eligibility Age Under age 70 Under age 70
Working Requirements Actively at work a minimum of 30 hours per week on the loan advance date Not applicable
Single Rate $2.00 per $1,000 per month $0.69 per $1,000 per month
Joint Rate Not applicable $1.16 per $1,000 per month

Guides

  • Kelley Blue Book
  • Edmund's "Appraise Your Car"
  • NADA Guides

DMV Checklists for Used Car Loans

  • Dealer Vehicle Purchase
  • Lease Buyout: Own Vehicle
  • Non-Franchise Dealer Vehicle Purchase
  • Private Party Purchase: Clear Title
  • Private Party Purchase: Financed Vehicle
  • Private Party Purchase: Leased Vehicle
  • Refinance: Clear Title
  • Refinance: Financed Vehicle

* Your annual percentage rate (APR) may be higher based on credit qualifications. The rate shown includes a 0.20% rate discount for financing $30,000 or over (does not apply to existing Star One auto loans). The range of APRs is 2.80% to 6.80% for loans under $30,000 and 2.60% to 6.60% for loans $30,000 and over. A sample payment on an 84-month loan at 2.80% APR is $13.13 per $1,000. A sample payment on an 84-month loan at 2.60% APR is $13.04 per $1,000. Rates are subject to change without notice.

2. No-payment-for-90-days offer applies when you book your Star One auto loan on or before March 31, 2021. Does not apply to existing Star One auto loans. Interest will continue to accrue on the outstanding balance during the 90-days-no-payment period. Contact us for details.

3. Kelley Blue Book trade-in values used by Enterprise are obtained from ©2021 Kelley Blue Book Co.'s website KBB.COM. Kelley Blue Book trade-in value is based on accurate condition rating and mileage of a vehicle. Accurately appraising the condition of the vehicle is an important aspect of detrmining its Kelley Blue Book trade-in value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle's base value. If a Kelley Blue Book trade-in value is not available for customer's vehicle, Enterprise will provide a fair and competitive value for customer's vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light-duty trucks, with a Kelley Blue Book trade-in value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. See a sales consultant for details. Offer void where prohibited, including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA & Washington, D.C. Offer valid from 2/15/21 – 2/28/21. No cash advances. Not valid on previous purchases. This offer cannot be combined with any other offer. Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company's lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, With a possibile previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “E” logo, Enterprise and “Enterprise Makes It Easy.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2021 ENTERPRISE CAR SALES.

Need Assistance?

1-408-543-5202

1-866-543-5202

Branch Hours / Contact Us

Star One Phone Representative Hours

Monday–Friday: 7 AM–7 PM PT
Saturday–Sunday: 9 AM–5 PM PT

Holiday Call Center Hours

ABA/Routing Number

321177968

 

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News

  • Cyber Security Awareness—a free webinar: raise your awareness about personal cyber security while on the Internet
  • Star One's 2020 Annual Report is now online
  • 2020 tax forms are available for download inside Online Banking in the eNotices area and have been mailed to members signed up for paper copies
  • Set up a new IRA with a $2,500 minimum balance by April 15, 2021 and get a $100 bonus
  • Star One in pilot program for FedNow℠ Service—the Federal Reserve's upcoming instant payments offering
  • Volunteer Income Tax Assistance (VITA) program and COVID-19
  • Wall Street Journal discusses mortgage loan modification, including Star One's program that has been available to members for over 20 years for a low fee
  • Download and print our 2021 Calendar
  • Six years in a row! Star One ranked #1 by the Credit Union National Association
View All News
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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration
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NMLS ID #456439
Financial Hardship Assistance
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If you are using a screen reader or other auxiliary aid and have any difficulty using this website, please call 1-866-543-5202 for assistance.

No goods or services are available from this website to non-members of Star One Credit Union. It is for informational purposes only. Any information available for non-members on this website is also available in our full-service physical locations.

© 2021 Star One Credit Union. All rights reserved.

X

Scam and Fraud Alert

Remember that Star One employees will never call you to verify or ask for your personal information.

Providing your personal information, such as card PINs, online banking credentials or one-time passcodes, to anyone may make you responsible for any fraudulent activity that happens on your Star One accounts.

Learn about recent scams reported by Star One members.