As a member, you are part of the Silicon Valley's largest member-owned financial institution.
We hope you will take advantage of the products and services we offer, including:
As a financial cooperative, Star One exists solely to serve members, and our profits are returned to you in many ways. Here are some benefits you can expect from Star One, just to name a few:
Do you know someone who can benefit from better banking? Refer them to Star One, and tell them how they can save money. To say thanks, we'll give you $60!
We're committed to life-long relationships. That's why you don't have to worry if you change jobs, retire, or relocate—you can always keep your accounts here at Star One.
We're here to serve you, so take advantage of everything Star One has to offer!
Relocating or travelling?
Find an ATM or Shared Branch near you. There are over over 5,600 branches and nearly 30,000 CO-OP ATMs nationwide.
Star One is Silicon Valley's largest, member-owned financial institution. We began in 1956 as Lockheed Missile Employees Federal Credit Union. Today we have branches in Sunnyvale, Cupertino, Palo Alto, and San Jose, with an Administration Office in Sunnyvale. Anyone who lives, works, or attends school in Santa Clara County, Alameda County, Merced County, Monterey County, San Benito County, San Joaquin County, San Mateo County, Santa Cruz County, or Stanislaus County can become a member.
Yes. Each member's funds are insured to at least $250,000 by the National Credit Union Administration, an agency of the United States Government. The $250,000 limitation applies to the total of a person's funds in checking, savings, and certificate accounts for which Star One is liable. Learn more about how your money is insured.
Star One has more than $720 million in reserves. Given our strong capital level, very low charge-offs and delinquency from loans as well as outstanding performance from investments, Star One continues to outperform most other financial institutions and provide exceptional products and services for our members. Investments are only made in the highest rated (AAA) Mortgage Backed Securities, U.S. Government agency debt or in Certificate of Deposits with highly rated banks and corporate credit unions (credit unions for credit unions).
We do not rely on gimmick pricing or product offerings to attract and retain our new members. We offer simple, easy to understand pricing on our products and services without charging unnecessary fees.
Star One adheres to sound financial underwriting practices. We provide our members with professional guidance matching them with the right loan product for their needs. Star One has never participated or offered any sub-prime mortgage loans.
All members are given access to Online Banking and Touchtone Teller. You were assigned a Member Number and Temporary Password when you became a member. The first thing you should do is call 408-543-5202 to access Touchtone Teller and update your Touchtone Teller Access Code.
Then, to access Online Banking, visit our homepage and log in with your member number (do not enter leading zeros) or Alternate ID, and the same Temporary Password as mentioned above. You will be required to update your Online Banking password upon login.
Yes. Our homepage and all submittable forms are secure using 128-bit encryption. See our Security page for more information.
Yes. Mobile Banking is free to all members. You can learn more here.
Your member number is your account number with Star One. You will find it on your new membership documents and on the laminated card provided to you by the Credit Union when you became a member. Your account numbers refer to specific account types you may have with us. For example, your member number may be 123123123 and your savings account number will be 1, your checking account will be 2, and other loans or deposits such as certificates will have other account or loan numbers.
Your member number will never be 14 digits. If you have a checking account, you will find your 14-digit account number on the bottom of your checks (second group of numbers). If you only have a savings account, just call us and we will provide it to you. You only need your member number to transact with Star One. You will need your 14-digit account number to set up ACH payments with other institutions.
Your account security is very important to us. It is standard procedure to ask you 3 or 4 questions regarding your accounts to ensure that we are actually speaking with YOU. We may ask additional questions for Experian authentication (our credit reporting company).
This is given to you when you become a member and can be found on your membership documents. You should memorize your secret password as it is one of the questions we ask when you call us for account help.
You are required to keep a $50 minimum balance in your Savings Account to maintain your membership with Star One, and $5 minimum balances in your sub-savings accounts. In addition, our standard funds availability policy applies to non-cash deposits made.
Your checks should arrive in 7-10 business days. If that time has passed, please call us.
You can either apply online by logging into Online Banking or use our Visa Debit Card Application Form. The form can be mailed to Star One Credit Union, P.O. Box 3643, Sunnyvale, CA, 94088-3643, Attn: Card Services. You may also fax this form to (408) 543-5203 Attn: Card Services. If you deliver it to one of our branches we can issue a card on the spot. We can also re-PIN a card currently in use.
You can find all our products and rates on our rates page.
You can apply online or complete a paper application.
You can visit a branch, ATM, 7-11 Store, or Shared Branch to make most transactions. You can also make deposits using our ezDeposit Service (which is located in Online Banking), using your scanner to make non-cash deposits, as well as Mobile Deposit through our App.
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.