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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
0.85% 0.85 Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Limitations Refer to Section F on Disclosure Page.
$50.00 $50.00 Account Transfer Limitations May Apply
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.25% 0.25% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Limitations Refer to Section F on Disclosure Page.
$100.00 Daily Balance Account Transfer Limitations May Apply
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.25% / 0.85% † 0.25% / 0.85% † Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Qualifiers
$100.00 Daily Balance † Refer to Section G of our Rate and Fee Schedule.
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.25% 0.25% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Qualifiers
$100.00 Daily Balance Age 25 or under
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.85% 0.85% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Limitations Refer to Section F on Disclosure Page.
$5.00 $5.00 Account Transfer Limitations May Apply

Certificate Account Rates and Terms

Effective Date: 07-20-2016 through 07-26-2016

Item Dividend Rate (%) Annual Percentage Yield (%)
Term Fixed Fixed
6 Month 0.90% 0.90%
1 Year 0.95% 0.95%
2 Year 1.00% 1.00%
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

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


July 2016: Rates effective 07-20-2016 through 07-26-2016
Item Dividend Rate (%) Annual Percentage Yield (%)
IRA Savings 0.85% 0.85%
Certificate Account Terms Fixed Fixed
6 Month 0.90% 0.90%
1 Year 0.95% 0.95%
2 Year 1.00% 1.00%
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 - Discounted* 2.09% - 8.59%^ Fixed 7 Years $12.81 - $15.89
Under $30,000 - Not Discounted 2.84% - 9.34%^ Fixed 7 Years $13.15 - $16.27

*Lower rates disclosed include the following discounts: 0.25% for using automatic payment, and/or 0.50% for using direct deposit. A new loan to Star One of $30,000 or more qualifies for an additional discount of 0.20%. 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
$30,000 and over- Discounted* 1.89% - 8.39%^ Fixed 7 Years $12.72 - $15.79
$30,000 and over - Not Discounted 2.64% - 9.14%^ Fixed 7 Years $13.06 - $16.17

*Lower rates disclosed include the following discounts: 0.25% for using automatic payment, and/or 0.50% for using direct deposit. A new loan to Star One of $30,000 or more qualifies for an additional discount of 0.20%. 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 - Discounted* 4.09% - 10.59%^ Fixed 10 Years $10.17 - $13.55
New/Used Motorhome & Recreational Trailers - Not discounted 4.84% - 11.34%^ Fixed 10 Years $10.53 - $13.97
New/Used Boats - Discounted* 4.09% - 10.59%^ Fixed 10 Years $10.17 - $13.55
New/Used Boats - Not discounted 4.84% - 11.34%^ Fixed 10 Years $10.53 - $13.97
New/Used Motorcycles - Discounted* 4.09% - 10.59%^ Fixed 7 Years $13.72 - $16.91
New/Used Motorcycles - Not discounted 4.84% - 11.34%^ Fixed 7 Years $14.06 - $17.30

*Lower rates disclosed include the following discounts: 0.25% for using automatic payment, and/or 0.50% for using direct deposit. 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 5.75% - 8.75%? Variable?? 20 Years $7.03 - $8.84
Student Loans - Graduate 5.00% - 8.00%? Variable?? 20 Years $6.61 - $8.37
Personal Loans 9.75% - 13.75%^ Fixed 4 Years $25.24 - $27.20
Savings Secured Loans 2.85% Variable 7 Years $13.11
Disaster Loans Call for current Rate Fixed
Personal Credit Lines - Discounted+ 8.25% Variable ---- 2.5% of Current Balance
Personal Credit Lines - Not Discounted 8.50% Variable ---- 2.5% of Current Balance

^ Your APR based on credit qualification.

+ Lower rate disclosed includes a 0.25% discount for automatic payments. Rate discount would remain even if product rate changes.

? Your APR based on credit qualification. Floor 5.00% and Cap 18.00%.

?? 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
30 years - Conforming 3.000% 0.000% 3.037% 8.000% $4.22
Maximum 30 years Jumbo 3.250% 0.000% 3.275% 8.250% $4.35

Mortgage loans over $1,000,000 are subject to a higher interest rate. Contact a Star One Phone Representative for details.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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 Lifetime Cap Monthly Payment Per $1,000
(Home Equity Loan, owner-occupied) Maximum 15 years 3.500% 0.000% 3.542% 8.500% $7.15

Maximum real estate loan(s) to any one member is $3,500,000 (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 60 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 3.500% 18.000% Minimum payment will equal finance charges (interest).

1. Your APR based on credit qualification.

Type Interest Rate Points1 Annual Percentage Rate2 Monthly Payment Per $1,000
30 years - Conforming to $417,000 3.500% 0.000% 3.542% $4.49
30 years - Jumbo*** 3.500% 0.000% 3.526% $4.49

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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
20 years - Conforming to $417,000 3.375% 0.000% 3.432% $5.74
20 years - Jumbo*** 3.375% 0.000% 3.410% $5.74

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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 - Conforming to $417,000 2.875% 0.000% 2.942% $6.85
15 years - Jumbo*** 2.875% 0.000% 2.914% $6.85

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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
10 years - Conforming* 2.750% 0.000% 2.797% $9.54
10 years - Jumbo*** 2.750% 0.000% 2.797% $9.54

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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 4.000% 0.000% 4.049% $7.40

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 60 days.

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
30 years - Conforming* 3.000% 0.000% 3.037% 8.000% $4.22
30 years - Jumbo*** 3.000% 0.000% 3.217% 8.000% $4.22

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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.

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
30 years - Conforming* 2.625% 0.000% 2.906% 7.625% $4.02
30 years - Jumbo*** 2.625% 0.000% 3.055% 7.625% $4.02

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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.

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
30 years - Conforming* 2.875% 0.000% 2.979% 7.875% $4.15
30 years - Jumbo*** 2.875% 0.000% 3.099% 7.875% $4.15

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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.

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
30 years - Conforming* 3.000% 0.000% 3.037% 8.000% $4.22
30 years - Jumbo*** 3.000% 0.000% 3.121% 8.000% $4.22

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

30-year maximum term also available, contact a loan officer for details. There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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.

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
30 years - Conforming* 2.625% 0.000% 3.151% 7.625% $4.02
30 years - Jumbo*** 2.625% 0.000% 3.298% 7.625% $4.02

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

30-year maximum term also available, contact a loan officer for details. There is an additional rate adjustment of +.125% for Cash-out Refinance transactions with a Loan to Value (LTV) greater than 70%. There is an additional rate adjustment of +.125% on Manufactured Homes. Rate adjustments are cumulative.

Rate and points may be locked in for 60 days

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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* 4.000% 0.000% 4.046% $4.77
30 years - Jumbo*** 4.250% 0.000% 4.282% $4.92

20- and 15-year fixed-rate terms available. Maximum loan amount is $1,000,000. Contact a loan officer for details.

Rate and points may be locked in for 60 days.

***The Jumbo Loan limit is any amount greater than $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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* 3.375% 0.000% 3.122% 8.375% $4.42
30 years - Jumbo*** 3.625% 0.000% 3.359% 8.625% $4.56

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 $1,000,000. Contact a loan officer for details.

Rate and points may be locked in for 60 days.

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 $417,000 up to $1,000,000.

Maximum real estate loan(s) to any one member is $3,500,000 (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.

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.

Learn about Star One's Rate Lock-In Commitment.