Bank anytime
Get $300 when you open a Savings
and Checking account.[1]
Use promo code NEWPARTNER
Why earn 0.01% on your savings at a big bank when you can earn 3.51% at Star One!
Enjoy the many benefits of Star One
New Auto Loans
5.49% APR
[2]
Rewards Checking
3.51% APR
30-year Fixed-Rate Mortgage - Conforming
6.104% APR
| Savings Annual Percentage Yield | Checking Annual Percentage Yield | Rewards Credit Card Annual Percentage Rate | New Auto Loans Annual Percentage Rate | |
|---|---|---|---|---|
| Star One CU | 3.51%2 on all balances | 3.51%3 Rewards Checking | 8.75–13.75%4 non-variable rate | as low as 5.49%584-month term |
| Bank of America | 0.01% | 0.01% on $100,000 or more | 18.24 - 28.24% variable rate | as low as 5.54%60-month term |
| Chase | 0.01% | 0.01% | 19.99 - 28.24% variable rate | as low as 5.99%72-month term |
| Citibank | 0.03% | 0.00% | 20.24 - 28.24% variable rate | n/a |
| Wells Fargo | 0.01% | 0.01% | 19.24 - 29.24% variable rate | n/a |
| Keypoint CU | 0.10% on $50,000 or more | 0.05% | 14.24 - 23.24% variable rate | as low as 6.49%84-month term |
| Meriwest CU | 0.10% | 2.00% $100-$15K,criteria must be met, 0.10% on bal>$15K | 18.49 - 28.74% variable rate | as low as 6.54%84-month term |
| Technology CU | 0.20% | 0.10% on $1,500 or more 0.08% | 14.15 - 25.15% variable rate | as low as 6.24%84-month term |
| First Tech FCU | 0.01% | 2.00% $0.01-$10K, criteria must be met, 0.05% on bal>$10K | 11.24 - 18.00% variable rate | as low as 6.39%84-month term |
Fees on Checking
| Monthly Fee | NSF Fee | Overdraft Transfer Fee | |
|---|---|---|---|
| Star One CU | $0 | $15 | $0 |
| Bank of America | $25 | $10 | $0 |
| Chase | $25 | $34 | $0 |
| Citibank | $15 | $34 | $0 |
| Wells Fargo | $35 | $35 | $0 |
| Keypoint CU | $12 | $29 | $0 |
| Meriwest CU | $0 | $35 | $0 |
| Technology CU | $0 | $20 | $0 |
| First Tech FCU | $0 | $33 | $0 |
Fees at other financial institutions may vary or be waived in certain circumstances. Please visit their websites for more information.
Meet with a Star One Representative
Video and Phone Appointments
Meet with a Star One Virtual Branch representative on your computer or smartphone—from wherever you might be.
Most services are available without visiting a Star One branch—open new accounts, have a personal consultation, apply for loans, and more.
Your Money is Safe at the Top Credit Union!
Established in 1956, Star One Credit Union is one of Silicon Valley's largest, member-owned financial institutions. Star One operates conservatively, focused solely on supporting the financial well-being of its members.
Star One has been named the Top Credit Union for providing the highest direct financial benefits to members by the Credit Union National Association.
Accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA). Learn more about how your money is safe at Star One.
"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."
Branches and ATMs
Secure Payment Options
Competitive Loans
Corporate Partner Ambassador Program
When you join Star One and become a member, you have the unique opportunity to help your employer give back to the community through Star One's Ambassador Program.
Star One's Ambassador Program is a points-based rewards program. The more products you establish with Star One, the more rewards points your employer will receive. Once a certain number of points is accumulated, a monetary donation is made to a cause or charitable organization of your employer's choice. Join today and help make a difference in your community.
Ambassador Program Points and Rewards
| Products | Points |
|---|---|
Product Membership Savings Account or Custodial/Minor Account | Points 2 |
Product Checking Account | Points 3 |
Product Checking Account + Direct Deposit | Points 4 |
Product Consumer Loan (Auto, Credit Card, etc.) | Points 5 |
Product Solar Loans | Points 6 |
Product Student Loans | Points 6 |
Product Real Estate Loan | Points 7 |
| Rewards | Points |
|---|---|
Rewards $500 Check payable to a 501(c)(3) organization of your choice (with each accrual of designated points below) | |
Rewards Companies with more than 100 employees | Points 100 |
Rewards Companies with less than 100 employees | Points 50 |
Commitment to the Community
We are pleased to support the important work of numerous non-profit organizations in Santa Clara County and neighboring counties.
Read about our contributions at work.
Together We Can Achieve Excellence
Are you interested in learning more about being a Star One Board and Supervisory Committee Associate?
Connect With Us
Speak to our Community and Business Development Team. If you have questions, we have answers.
Please email us at partners@starone.org or if you prefer, call us and ask to speak to our Business Development Team.
Community Development Team, from left to right:
- Grace Thompson – Community/Business Development Manager
- Kim Hunter – VP Branch Services
- Anita Roshannahad – Community/Business Development Rep
- Rashad Wiley – Community/Business Development Rep
Federally insured by NCUA.
- Annual percentage yields (APY) of 3.51% for Membership Money Market Savings Account, and 0.10% for Free Checking. APYs are variable and subject to change. Minimum deposit of $50 to open a Money Market Savings Account and earn APY, $25 to open a Free Checking Account. $300 bonus is credited to your Star One Savings Account upon verification that a new membership and checking account are established. Only first-time Star One members and Checking Accounts qualify. Promo may not be combined with any other offer. All new accounts are subject to Star One credit approval, account-opening procedure, Truth-in-Savings account and membership terms, disclosures and fee schedule. Fees may reduce earnings. Minors, under the age of 18, and transfer-to-minor accounts not eligible for bonus. Star One Credit Union staff are not eligible for the bonus. Bonus subject to IRS reporting. PROMO CODE NEWPARTNER.
- APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Minimum deposit of $50 required to open a Money Market Savings Account. Minimum balance of $50 required to earn dividend. Fees may reduce earnings.
- 0.10% APY for Star One Free Checking. 3.51% APY for Star One Rewards Checking. Annual Percentage Yields (APY) are variable and subject to change. Minimum deposit of $25 required to open a Free Checking Account. Fees may reduce earnings. Star One Free Checking automatically upgrades to Rewards Checking for the month whenever certain criteria are met the previous month.
- The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa is 7.75% to 12.75%.
- Your Annual Percentage Rate (APR) may be higher based on credit qualifications. Promotional rates do not apply to a Star One loan refinance or rate modification. The range of APRs is 5.49% to 9.49%. A sample payment on an 84-month loan at 5.49% is $14.37 per $1,000. A sample payment on an 84-month loan at 9.49% is $16.35 per $1,000.
Rates subject to change without notice. Rates for other financial institutions based on data obtained from a survey completed by Star One.