Financial services that put you first
When you become a Star One Credit Union member, you’ll enjoy great rates, more savings, and valuable services that make everyday banking effortlessly convenient.
- Free checking accounts with the same high yield 3.35% APY as a savings account when you meet a few simple requirements.
- Rewards credit cards with unlimited points and unlimited cash back.
- Low-cost, low-rate home loans with fast closing.
- Auto, solar, and student loans all at competitive rates.
- Instant payments, remote deposits, and secure account management with Digital Banking.
- over 33,000 surcharge-free ATMs in the CO-OP network.
Since 2015, America's Credit Unions (formerly CUNA), through its Benefits of Membership Award, has recognized Star One quarter after quarter as the #1 credit union in the country for providing the highest direct financial benefits to our members.
They estimated that Star One provided over $261 million in direct financial benefits to members during the twelve months ending March 2025.
Calculate your personal Star One member benefit with our savings calculator.
Top distinction for strength and stability
Star One received the "Best of Bauer" distinction for maintaining Bauer Financial, Inc.’s highest rating of 5 stars based on financial strength and stability for 140 consecutive quarters.
Membership is open to those who live, regularly work or attend school in the following California counties: Santa Clara, Alameda, Merced, Monterey, San Benito, San Joaquin, San Mateo, Santa Cruz, and Stanislaus.
Membership is also available to family members of current Star One members and employees of our Corporate Partners.
Find out if your employer is a Corporate Partner.
Star One members share their stories
See what real members have to say about Star One.
"What I like most about Star One is the convenience..."—Chip
"I don't have to worry about anything. I talk to my friends. They complain about everything about their banks, and I've never felt the need to shop around."
"One less thing for me to worry about..." —Alda
"Star One is not only my financial institution, but I use it to manage my whole family's accounts. So it's such an important part of my life."