Rates
Mortgage rates and interest rates for IRAs, consumer loans, plus certificate, checking and savings accounts.
Savings and Checking Rates and Terms
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.50% | 0.50% | Monthly | Monthly | Monthly |
| Minimum Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $50.00 | $50.00 |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% | 0.10% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $25.00 | None |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% / 0.50% † | 0.10% / 0.50% † | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY | Account Qualifiers |
|---|---|---|
| $25.00 | None | † Refer to Section G of our Rate and Fee Schedule. |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.10% | 0.10% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY | Account Qualifiers |
|---|---|---|
| $25.00 | None | Age 25 or under |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
| Dividend Rate | Annual Percentage Yield (APY) | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| 0.50% | 0.50% | Monthly | Monthly | Monthly |
| Minimum Opening Deposit | Minimum Balance to Earn Stated APY |
|---|---|
| $5.00 | $5.00 |
See the Checking and Money Market Savings Rate and Fee Disclosure and Membership and Account Agreement for more information.
Certificate Account Rates and Terms
Effective Date: 12-02-2020 through 12-08-2020
| Item | Dividend Rate (%) | Annual Percentage Yield (%) |
|---|---|---|
| Term | Fixed | Fixed |
| 6-Month | 0.50% | 0.50% |
| 1-Year | 0.55% | 0.55% |
| 2-Year | 0.60% | 0.60% |
| Additional Deposits | Not Allowed - See Transaction Limitations on Disclosure Page. | |
| Withdrawals | See Transaction Limitations on Disclosure Page, Minimum Withdrawal Amount $1,000.00 | Early withdrawal penalties apply |
| Renewable | Automatic |
| Minimum Opening Deposit | $2,500.00 |
| Dividends Compounded | Monthly and at Maturity |
| Dividends Credited | Monthly and at Maturity |
| Dividend Period | Monthly |
See our Certificate Account Disclosure and Fee Disclosure and Membership and Account Agreement for more information.
IRA Account Rates and Terms
| Type | Minimum Opening Deposit | Dividends Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|
| Traditional Contributory IRA | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Traditional Rollover IRA | None | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Roth Contributory IRA | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Roth Conversion IRA | None | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| ESA (Education Savings Account) | $25 w/Automatic Deposit, $100 w/o Automatic Deposit | Monthly and at Maturity* | Monthly and at Maturity** | Monthly |
| Item | Dividend Rate (%) | Annual Percentage Yield (%) |
|---|---|---|
| IRA Savings | 0.50% | 0.50% |
| Certificate Account Terms | Fixed | Fixed |
| 6-Month | 0.50% | 0.50% |
| 1-Year | 0.55% | 0.55% |
| 2-Year | 0.60% | 0.60% |
| Additional Deposits | See Transaction Limitations on Disclosure Page | See Transaction Limitations on Disclosure Page |
| Withdrawals | See Transaction Limitations on Disclosure Page | See Transaction Limitations on Disclosure Page |
| Renewable | Automatic** |
*Monthly only on IRA Savings Account.
**Only Applicable to Certificate Accounts at Maturity.
***See IRA Disclosure Page for additional information.
Consumer Loan Rates
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| Under $30,000* | 2.80% - 6.80%^ | Fixed | 7 Years | $13.13 - $15.00 |
| $30,000 and over* | 2.60% - 6.60%^ | Fixed | 7 Years | $13.04 - $14.90 |
*Lower rates disclosed include a discount of 0.20% for a new loan of $30,000 or more. Rate discount does not apply to loan modifications or refinancing of existing Star One loans. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full.
^Your APR based on credit qualification.
| Type | Annual Percentage Range | Monthly Payment Per $1,000 |
|---|---|---|
| Visa Signature Rewards (min $5000 line)** | 8.75%^ | 2.5% of Current Balance |
| Visa Platinum Rewards** | 8.75% - 12.75%^ | 2.5% of Current Balance |
| Visa Platinum Best Rate** | 7.75% - 13.75%^ | 2.5% of Current Balance |
**See Visa Credit Card Agreement and Disclosure
^Your APR based on credit qualification.
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| New/Used Motorhome & Recreational Trailers* | 4.60% - 8.60%^ | Fixed | 10 Years | $10.42 - $12.46 |
| New/Used Boats* | 4.60% - 8.60%^ | Fixed | 10 Years | $10.42 - $12.46 |
| New/Used Motorcycles* | 4.60% - 8.60%^ | Fixed | 7 Years | $13.95 - $15.89 |
*Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full.
^Your APR based on credit qualification.
| Type | Annual Percentage Range | Rate Type | Maximum Term | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| Student Loans - Undergraduate - fixed rate | 4.50% - 9.00%++ | Fixed+++ | 20 Years | $6.33 - $9.00 |
| Student Loans - Undergraduate - variable rate | 4.00% - 7.00%++ | Variable+++ | 20 Years | $6.07 - $7.76 |
| Student Loans - Graduate - fixed rate | 4.50% - 9.00%++ | Fixed+++ | 20 Years | $6.33 - $9.00 |
| Student Loans - Graduate - variable rate | 4.00% - 6.75%++ | Variable+++ | 20 Years | $6.07 - $7.61 |
| Student Loan Refinance - fixed rate | 3.50% - 7.75%++ | Fixed | 15 Years | 5 years max. term: $18.20 - $19.11 10 years max. term: $10.25 - $11.97 15 years max. term: $7.78 - $9.42 |
| Student Loan Refinance - variable rate | 2.25% - 6.00%++ | Variable | 15 Years | 5 years max. term: $17.64 - $18.53 10 years max. term: $9.43 - $10.47 15 years max. term: $7.15 - $8.44 |
| Personal Loans | 9.75% - 13.75%^ | Fixed | 4 Years | $25.24 - $27.20 |
| Savings Secured Loans | 2.50% | Variable | 7 Years | $12.99 |
| Disaster Loans | 1.95% | Fixed | 4 Years | $21.68 |
| Personal Credit Lines | 8.25% | Variable | ---- | 2.5% of current balance |
^ Your APR based on credit qualification.
++ Your APR based on credit qualification. Floor 5% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments.
+++ 25-year term available for loans equal to or greater than $40,000.
Mortgage Rates
| Type | Interest Rate | Points1 | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|---|
| (Home Equity Loan, owner-occupied) Maximum 15 years | 2.500% | 0.000% | 3.068% | 7.500% | $6.67 |
Maximum real estate loan(s) to any one member is $5,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rate and points may be locked in for 90 days.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
| Type | Annual Percentage Rate1 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|
| California owner-occupied | 3.250% | 18.000% | Minimum payment will equal finance charges (interest). |
1. Your APR based on credit qualification.
**** Promotional rates are valid for primary residence only with signed contracts and a rate lock by December 31, 2020. Loan must fund by February 28, 2021. Refinances and rate modifications are not eligible for this rate. Not all borrowers will qualify for all rates. Rates and terms are subject to change without notice. Limited to owner-occupied, one-to-four-family units. Other restrictions on property may apply. Rates subject to change daily. Rates are not guaranteed until locked.
** In most of the country, the maximum conforming loan limit for one-unit properties is $510,400. In "high-cost" areas, the maximum conforming limit may be up to $765,600. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.
*** The Jumbo Loan limit is any amount greater than $510,400 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $510,400 conforming limit up to $765,600 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).
Maximum real estate loan(s) to any one member is $5,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rate and points may be locked in for 90 days.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
| Type | Interest Rate | Points1 | Annual Percentage Rate2 | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| 15 years - up to $750,000 | 3.750% | 0.000% | 3.795% | $7.27 |
1. Other rate options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
3. Rate and Points may be locked in for 90 days.
| Type | First Trust Deed | Interest Rate | Points1 | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|---|---|
| 3-Year Fixed-to-ARM | 30 years - Conforming | 2.500% | 0.000% | 2.661% | 7.500% | $3.95 |
| 3-Year Fixed-to-ARM | 30 years - Jumbo*** | 2.500% | 0.000% | 2.817% | 7.500% | $3.95 |
| 5-Year Fixed-to-ARM | 30 years - Conforming | 2.625% | 0.000% | 2.689% | 7.625% | $4.02 |
| 5-Year Fixed-to-ARM | 30 years - Jumbo*** | 2.625% | 0.000% | 2.814% | 7.625% | $4.02 |
| 7-Year Fixed-to-ARM | 30 years - Conforming | 2.750% | 0.000% | 2.747% | 7.750% | $4.08 |
| 7-Year Fixed-to-ARM | 30 years - Jumbo*** | 2.750% | 0.000% | 2.843% | 7.750% | $4.08 |
| 10-Year Fixed-to-ARM | 30 years - Conforming | 2.875% | 0.000% | 2.841% | 7.875% | $4.15 |
| 10-Year Fixed-to-ARM | 30 years - Jumbo*** | 2.875% | 0.000% | 2.901% | 7.875% | $4.15 |
| 5-5 ARM | 30 years - Conforming | 2.625% | 0.000% | 2.689% | 7.625% | $4.02 |
| 5-5 ARM | 30 years - Jumbo*** | 2.625% | 0.000% | 2.814% | 7.625% | $4.02 |
After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.
*** The Jumbo Loan limit is any amount greater than $510,400 up to $5,000,000.
Maximum real estate loan(s) to any one member is $5,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rate and points may be locked in for 90 days.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Investment Property Mortgage Rates
| First Trust Deed | Interest Rate | Points1 | Annual Percentage Rate2 | Monthly Payment Per $1,000 |
|---|---|---|---|---|
| 30 years - Conforming | 3.750% | 0.000% | 3.826% | $4.63 |
| 30 years - Jumbo*** | 4.000% | 0.000% | 4.035% | $4.77 |
20- and 15-year fixed-rate terms available. Maximum loan amount is $1,500,000. Contact a loan officer for details.
*** The Jumbo Loan limit is any amount greater than $510,400 up to $5,000,000.
Maximum real estate loan(s) to any one member is $5,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rate and points may be locked in for 90 days.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
| 3-Year Fixed-to-Adjustable-Rate Loans | Interest Rate | Points1 | Annual Percentage Rate2 | Lifetime Cap | Monthly Payment Per $1,000 |
|---|---|---|---|---|---|
| 30 years - Conforming | 3.125% | 0.000% | 2.801% | 8.125% | $4.28 |
| 30 years - Jumbo*** | 3.375% | 0.000% | 3.013% | 8.375% | $4.42 |
Initial interest rate is fixed for 3 years, 5 years, 7 years or 10 years. See loan program summary for additional terms, contact a loan officer for details. Maximum loan amount is $1,500,000. Contact a loan officer for details.
*** The Jumbo Loan limit is any amount greater than $510,400 up to $5,000,000.
Maximum real estate loan(s) to any one member is $5,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.
Rate and points may be locked in for 90 days.
1. Other rates and point options are available. Contact a Star One Phone Representative for details.
2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.
Mortgage Rate Lock-In Commitment
Since mortgage interest rates are constantly changing, we offer the option of "locking-in" a current Credit Union rate to protect you against an increase during the loan process.
Scam and Fraud Alert
Please remember that Star One employees will never call you to verify or ask for your personal information.
Hang up immediately if someone claiming to be a Star One employee asks for any banking information—such as your Online Banking login information, account numbers, card PINs, or one-time passcodes.
A fraudster may try to reassure you that it's OK to share your information—please hang up, it's not OK.
Several Star One members have received phone calls from a person claiming to be a Star One employee—with a caller ID forged to look like a Star One phone number—and whose goal is to gain access to members' bank accounts online.