Mortgage Rates and Car Loan Rates, plus Savings and Checking Interest Rates - Star One Credit Union, California
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Routing number: 321177968
In your best interest

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
2.96% 3.00% Monthly Monthly Monthly

Minimum Deposit Minimum Balance to Earn Stated APY
$50.00 $50.00
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
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.10% / 2.96% † 0.10% / 3.00% † 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.
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
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
2.96% 3.00% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY
$5.00 $5.00

Certificate Account Rates and Terms

Effective Date: 03-13-2024 through 03-19-2024

Item Dividend Rate (%) Annual Percentage Yield (%)
Term Fixed Fixed
6-Month 3.59% 3.65%
1-Year 3.59% 3.65%
2-Year 3.59% 3.65%
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 or Inherited 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 or Inherited 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


March 2024: Rates effective 03-13-2024 through 03-19-2024
Item Dividend Rate (%) Annual Percentage Yield (%)
IRA Savings 2.96% 3.00%
Certificate Account Terms Fixed Fixed
6-Month 3.59% 3.65%
1-Year 3.59% 3.65%
2-Year 3.59% 3.65%
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
New and Used Auto Loans* 6.45% - 10.45%^ Fixed 7 Years $14.83 - $16.84

* Promotional rates do 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

Compare Visa Credit Card Rates

**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* 7.70% - 11.70%^ Fixed 10 Years $11.98 - $14.18
New/Used Boats* 7.70% - 11.70%^ Fixed 10 Years $11.79 - $13.98
New/Used Motorcycles* 7.70% - 11.70%^ Fixed 7 Years $15.45 - $17.50

*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
Solar Loans 6.25% - 8.00%^ Fixed 15 Years $8.58 - $9.56
Student Loans - Undergraduate - fixed rate 6.00% - 11.00%++ Fixed+++ 20 Years $7.16 - $10.32
Student Loans - Undergraduate - variable rate 5.75% - 9.75%++ Variable+++ 20 Years $7.02 - $9.49
Student Loans - Graduate - fixed rate 6.00% - 11.00%++ Fixed+++ 20 Years $7.16 - $10.32
Student Loans - Graduate - variable rate 5.75% - 9.75%++ Variable+++ 20 Years $7.02 - $9.49
Student Loan Refinance - fixed rate 6.00% - 10.00%++ Fixed 15 Years 5 years max. term: $19.33 - $20.28
10 years max. term: $11.35 - $12.40
15 years max. term: $8.99 - $10.75
Student Loan Refinance - variable rate 6.00% - 9.75%++ Variable 15 Years 5 years max. term: $19.33 - $20.28
10 years max. term: $11.23 - $12.27
15 years max. term: $9.13 - $10.59
Personal Loans 10.25% - 14.25%^ Fixed 5 Years $21.38 - $23.41
Savings Secured Loans 5.00% Variable 7 Years $14.14
Personal Credit Lines 12.50% Variable ---- 2.5% of current balance

^ Your APR based on credit qualification.

++ Your APR based on credit qualification. Floor 4% 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 Monthly Payment Per $1,000****
30 years - Conforming to $1,149,825** 6.875% 0.000% 6.992% $6.57
30 years - Jumbo*** 6.875% 0.000% 6.940% $6.57
20 years - Conforming to $1,149,825** 6.625% 0.000% 6.774% $7.53
20 years - Jumbo*** 6.625% 0.000% 6.707% $7.53
15 years - Conforming to $1,149,825** 6.375% 0.000% 6.556% $8.64
15 years - Jumbo*** 6.375% 0.000% 6.473% $8.64
10 years - Conforming to $1,149,825** 6.250% 0.000% 6.365% $11.23
10 years - Jumbo*** 6.250% 0.000% 6.365% $11.23

**** Payment amount does not include taxes and insurance. Actual payment amount will be greater.

** In most of the country, the maximum conforming loan limit for one-unit properties is $766,550. In "high-cost" areas, the maximum conforming limit may be up to $1,149,825. 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 $766,550 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $766,550 conforming limit up to $1,149,825 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).

Maximum real estate loan(s) to any one member is $7,000,000 (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.

Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.

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 First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000*****
3-Year Fixed-to-ARM 30 years - Conforming 6.000% 0.000% 7.213% 11.000% $6.00
3-Year Fixed-to-ARM 30 years - Jumbo*** 6.000% 0.000% 7.342% 11.000% $6.00
5-Year Fixed-to-ARM 30 years - Conforming 6.125% 0.000% 7.053% 11.125% $6.08
5-Year Fixed-to-ARM 30 years - Jumbo*** 6.125% 0.000% 7.148% 11.125% $6.08
7-Year Fixed-to-ARM 30 years - Conforming 6.250% 0.000% 6.956% 11.250% $6.16
7-Year Fixed-to-ARM 30 years - Jumbo*** 6.250% 0.000% 7.022% 11.250% $6.16
10-Year Fixed-to-ARM 30 years - Conforming 6.375% 0.000% 6.860% 11.375% $6.24
10-Year Fixed-to-ARM 30 years - Jumbo*** 6.375% 0.000% 6.892% 11.375% $6.24
5-5 ARM 30 years - Conforming 6.125% 0.000% 6.383% 11.125% $6.08
5-5 ARM 30 years - Jumbo*** 6.125% 0.000% 6.484% 11.125% $6.08

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

***** Payment amount does not include taxes and insurance. Actual payment amount will be greater.

*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (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.

Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.

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 Points Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
20-Year Fixed-Rate Home Equity Loan, owner-occupied (up to $750,000) 7.000% 0.000% 7.075% n/a $7.75
15-Year Fixed-Rate Home Equity Loan, owner-occupied (up to $750,000) 6.750% 0.000% 6.839% n/a $8.85
Adjustable-Rate Home Equity Loan, owner-occupied (maximum 15 years - up to $750,000) 7.000%****** 0.000% 7.939% 12.000% $8.99

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

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value.

Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.

2. The Annual Percentage Rate (APR) assumes a loan amount of $100,000.

Type Interest Rate1 Annual Percentage Rate1 Lifetime Cap Monthly Payment Per $1,000
California owner-occupied 8.500% 8.500% 18.000% Minimum payment will equal finance charges (interest).

1. 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.

Investment Property Mortgage Rates

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Monthly Payment Per $1,000
30 years - Conforming 7.875% 0.000% 8.008% $7.25
30 years - Jumbo*** 7.875% 0.000% 7.953% $7.25
20 years - Conforming 7.750% 0.000% 7.918% $8.21
20 years - Jumbo*** 7.750% 0.000% 7.848% $8.21
15 years - Conforming 7.625% 0.000% 7.830% $9.34
15 years - Jumbo*** 7.625% 0.000% 7.744% $9.34
10 years - Conforming 7.500% 0.000% 7.783% $11.87
10 years - Jumbo*** 7.500% 0.000% 7.663% $11.87

Maximum loan amount is $2,500,000. Contact a loan officer for details.

*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (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.

Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.

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.

30-Year Adjustable-Rate Loans Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
3-Year Fixed-to-Adjustable Rate - Conforming 6.750% 0.000% 7.418% 11.750% $6.49
3-Year Fixed-to-Adjustable Rate - Jumbo*** 6.750% 0.000% 7.546% 11.750% $6.49
5-Year Fixed-to-Adjustable Rate - Conforming 6.875% 0.000% 7.362% 11.875% $6.57
5-Year Fixed-to-Adjustable Rate - Jumbo*** 6.875% 0.000% 7.455% 11.875% $6.57
7-Year Fixed-to-Adjustable Rate - Conforming 7.000% 0.000% 7.354% 12.000% $6.65
7-Year Fixed-to-Adjustable Rate - Jumbo*** 7.000% 0.000% 7.418% 12.000% $6.65
10-Year Fixed-to-Adjustable Rate - Conforming 7.125% 0.000% 7.367% 12.125% $6.74
10-Year Fixed-to-Adjustable Rate - Jumbo*** 7.125% 0.000% 7.395% 12.125% $6.74

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 $2,500,000. Contact a loan officer for details.

*** The Jumbo Loan limit is any amount greater than $766,550 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (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.

Rates and points may be locked in for 60 days at no charge, or up to a maximum total of 120 days for a fee of $500.

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.