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About Us

As a member of Star One Credit Union, you are part of one of Silicon Valley's largest, member-owned financial institutions.

Strength and Stability

As a member of Star One Credit Union, you are part of one of Silicon Valley's largest, member-owned financial institutions. Star One offers financial services to more than 117,000 members worldwide. With assets over $10.8 billion, Star One is ranked 17th in total assets among nearly 5,700 credit unions nationally.

Advantages of a Credit Union

As a member-owned financial institution, we are focused on providing long-term financial solutions to all of our members. As a result, we are able to return our profits back to you in the form of money-saving benefits, including:

  • Higher interest on saving accounts
  • Lower interest rates on loans and mortgages
  • Reasonable, if any, fees on products and services like checking, credit cards and real-estate loans.

Our mission is to improve each member's life by delivering valuable financial services.

Check out our Awards and recognition page.

Commitment to the Community

The employees, Board and Volunteers of Star One recognize the importance of contributing to the communities we serve and being a strong corporate citizen.

Star One works directly and indirectly with many different organizations throughout Santa Clara County and many other counties to support and provide resources. Through direct financial support and other in-kind contributions to worthwhile organizations and by participating in local public service activities, Star One is an active partner with many organizations throughout Santa Clara County and the neighboring counties.

Star One Credit Union

Consolidated Financial Statement as of April 30, 2022

TOTAL NET INVESTMENTS $    5,453,460,109
TOTAL OTHER ASSETS $        311,318,781
TOTAL ASSETS $ 10,816,941,916
TOTAL LIABILITIES $        247,714,746
TOTAL DEPOSITS $    9,594,367,625
TOTAL NET EQUITY $        974,859,546

More complete financial reports are available for prior quarterly periods at the NCUA website. The Star One charter number is 68465; it is used to access NCUA reports.

Star One Credit Union (and other federally insured credit unions) file a periodic call report with the National Credit Union Administration (NCUA). The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member's deposits in credit unions. Administered by the NCUA, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.

At the NCUA website, you can select their link to "Research a Credit Union (Find a Credit Union)" Follow the links to "Go To Research a Credit Union" This will allow you to view Call Reports or Financial Performance Reports (FPR) online.

You can also select the NCUA website link to "Financial Performance Reports". This will allow you to view online a 2-page FPR summary for a credit union. One page is the Financial Summary and one page is the Ratio Analysis.

As of the period ending June 30, 2020, Star One received its 120th consecutive quarter of superior (5 star) performance from Bauerfinancial Inc.

The Star One family of staff, friends, volunteers, and members are involved in many different events that support organizations throughout the Silicon Valley. From local walking events that raise money to support walking trails and health-related events, to helping homeless and underprivileged families, the Star One team remains committed to helping others.

Chamber of Commerce Support

Management staff supports and participates in nine Chamber of Commerce's within Santa Clara County by attending after hours networking mixers, business expos and events on a monthly basis.

Leadership Sunnyvale

Since 2008, Star One has sponsored and hosted the "Business Day" class for Leadership Sunnyvale. Leadership Sunnyvale provides participants in the Sunnyvale community the tools, knowledge and relationships to make a difference in their community. They learn how local governments and non-profits work together to provide essential services and leadership to their citizens. They are supported through an alliance of civic, educational, business and government organizations within the Silicon Valley region.

Star One contributes to many different organizations throughout Santa Clara County. We look for organizations that work to improve the lives of people throughout our service area.

  • Acknowledge Alliance
  • Alzheimer's Association
  • American Cancer Society
  • American Diabetes Association
  • American Heart Association
  • Animal Assisted Happiness
  • Assistance League of San Jose
  • Avenidas
  • Bay Area Cancer Connections
  • Bill Wilson Center
  • Cake4Kids
  • Cancer CAREpoint
  • Canine Companions for Independence
  • Child Advocates of Silicon Valley
  • Citizen School
  • Crohn's and Colitis Foundation of America
  • Cystic Fibrosis Research, Inc.
  • Downtown Streets Inc.
  • Family Giving Tree
  • Family Supportive Housing, Inc.
  • Friends of Stevens Creek Trail
  • Happy Hollow Foundation
  • Health Trust: Meals on Wheels
  • HomeFirst
  • Jacob's Heart Children's Cancer Support Services
  • Live Oak Adult Day Care
  • Lucile Packard Foundation for Children's Health
  • Marine Toys for Tots
  • Martha's Kitchen
  • Morgan Autism Center
  • NAMI Silicon Valley
  • NephCure Kidney International
  • Operation Care & Comfort
  • Organ's R Us
  • Pancreatic Cancer Action Network
  • President & Board of Trustees of Santa Clara College
  • Prostate Cancer Stanford University
  • Sacred Heart Community Services
  • San Andreas Regional Center
  • Saratoga Area Senior Coordinating Council
  • Second Harvest Food Bank
  • Sunnyvale Community Services
  • The Leukemia & Lymphoma Society
  • The Tech Museum of Innovation
  • VMC Foundation
  • West Valley Community Services

From the young to the young at heart, Star One is helping to make the communities we serve a better place to live and work. Through our Elder Financial Abuse Program to our Internship Program for the young adults just starting out, Star One provides resources and support for a wide array of programs and services. With government funding being reduced in many areas throughout Santa Clara County and cities we serve, there is a real need for companies like Star One to step in and assist families.

Financial Education Program

Star One is sponsoring Everfi's financial education program in five local high schools in Santa Clara County. Everfi is an award-winning, web-based course that uses video, animations, 3-D gaming, avatars and social networking to bring financial concepts to life for today's digital generation. Course curriculum aligns with both state and national financial literacy standards and Common Core State Math Standards. The Financial Education Program will provide valuable knowledge and skills to help high school students develop a secure financial future from nine interactive modules: Savings, Banking, Payment Types, Credit Scores, Higher Education, Renting vs. Owning, Insurance & Taxes, Consumer Protection, & Investing.

Elder Financial Abuse Prevention
With the explosion of our elderly population, experts are calling elder financial abuse "the crime of the 21st century" As a result, Star One has joined the fight to protect our aging members. Working closely with the Santa Clara County Department of Aging and Adult Protective Services (APS) for years, Star One became a role model for other institutions in reporting suspected and known elder financial abuse. Star One is an active supporter of the Elder Financial Prevention Network (EFPN) dedicated to the prevention of elder financial abuse through community education, public awareness campaigns and professional training. As a result of such efforts, financial crimes have been averted, saving potential victims hundreds of thousands of dollars.

Star One's Beneficiary and Retiree Services (BRS) Team
For over 25 years, Star One's Beneficiary and Retiree Services Team has been committed to providing service and assistance to survivors and beneficiaries of deceased members. Over the years, the group's efforts have expanded to include educating members, staff and the community about early detection, prevention and dealing with suspected or known elder financial abuse. Star One has sponsored no-cost workshops on Identity Theft Prevention for local seniors, their families and caretakers.

Internship Program
Star One's Internship Program is another example of Star One's support within its local community. The program provides a valuable opportunity for higher education students to complement their formal education with practical, career related experience.

IRS VITA Program
Since 2008 Star One has committed resources and personnel providing office space, equipment and marketing materials to support the Volunteer Income Tax Assistance Program offered through the Internal Revenue Service. In support of the program, the Credit Union makes available staff and several of its branches to provide free tax assistance to those with low-to-moderate income who are unable to file their own tax returns. Members have also volunteered to train with the IRS to assist in this important program. Since Star One began participating in the program, the number of completed filed applications per year has consistently exceeded target goals established by the IRS.

Student Loan Program
In 2008 Star One began offering private student loans to help fill the gap caused by lenders discontinuing their programs. The low-rate, no-fee program has been well received by members, evidenced by strong loan growth since the program launch. Star One offers private student loans to both undergraduate and graduate students.

  • City of Mountain View: 41st Annual Spring Family Downtown Mountain View Parade (April 2019)
  • Palo Alto Friends Nursery School: Fiesta Fundraiser - Platinum Sponsor (April 2019)
  • Saratoga Rotary Charitable Foundation: Fine Art Show - Entertainment Sponsor (May 2019)
  • Los Gatos Morning Rotary Charitable Foundation: Plein Air & Wine Festival – Silver Sponsor (June 2019)
  • Saratoga Chamber of Commerce: 10th Anniversary Classic & Cool Car Show - Stage Sponsor (July 2019)
  • Friends of Stevens Creek Trail: 25th Annual Stevens Creek Trailblazer Race (September 2019)
  • Cupertino Chamber of Commerce: Bay Area Diwali Festival of Lights (October 2019)
  • PurpleStride Silicon Valley (November 2019)
  • Christmas In The Park - Display & Tree Sponsorship (December 2019)

Let us help you navigate the sometimes-difficult decisions associated with managing and building a strong financial base of knowledge!

Star One sponsors many types of workshops throughout the year from financial success and budgeting to planning for college and retirement.

  • Age Well, Plan Well
  • Building a Better Budget
  • Cybersecurity Awareness
  • Home Buying
  • Online Banking
  • Planning for Your Retirement
  • Top 10 Reasons to Open an IRA
  • Using Credit Cards Wisely

The workshops are free. Registration is required.

Attend our upcoming workshops and webinars.

Employees are our greatest asset at Star One! Browse our online careers listings.

Star One ranked #1 by the Credit Union National Association eight years in a row

Once again, the Credit Union National Association (CUNA) honored Star One with the Benefits of Membership Award for providing the highest direct financial benefits to its members.

CUNA estimated that Star One provides $82,569,368 in direct financial benefits to its members during the twelve months ending December 2021. These benefits are equivalent to $1,507 per member household. CUNA also added, since these benefits are calculated as averages, loyal members who use the credit union extensively often receive total financial benefits that are much greater than these averages.

Download the complete Star One Membership Benefits Report.

Learn more about what makes Star One one of the best credit unions.

Through consistent hard work and persistent focus on helping members and the communities we serve, Star One has received many prestigious awards over the years. Check out our Awards and recognition page.

Our awards range from financial safety and soundness to community involvement. By providing sound financial services that improve the lives of our members, working to be a strong corporate citizen and contributing to local organizations, Star One is helping to make Santa Clara County a better place to live, work and play.

Forbes listed Star One as one of the Top Credit Union

Forbes published their first Best Banks and Credit Unions in Every State list and included Star One as one of the top credit unions.

The list recognized 145 of the 5,750 credit unions in the United States for member satisfaction, willingness to recommend, trust, terms and conditions, branch services, digital services and financial advice. The list is based on opinion surveys of 25,000 members/customers on their current and former banking relationships.

Bankrate recognized Star One as the 9th Best Credit Union

In January 2022, Bankrate published a report that listed Star One as the 9th Best Credit Union in the U.S. (and the 1st in California).

Since 1976, Bankrate has analyzed and scored U.S. credit unions based on a variety of factors, including product selection, interest rate offerings, account fees, mobile and online features and more.

Additional information is available on the website.

GoBankingRates recognized Star One as 9th Best Bank

GoBankingRates published their Top Best Banks of 2022 and listed Star One as the 9th Best Bank.

GoBankingRates was founded in 2004 to provide consumers with information about banks and credit unions.

More detailed information about the assessment of Star One is available on the GoBankingRates website.

Silicon Valley Business Journal recognized Star One as 4th Most Efficient Credit Union

On January 25, 2022, a Silicon Valley Business Journal article listed Star One as the 4th "most efficient" credit union in the U.S.

The criteria used to rank the credit unions was member deposit balances per full-time employee.

Corporate Philanthropists Award 2014-2018

For the fourth consecutive year, Star One was recognized as one of the 50 leading supporters of Silicon Valley’s nonprofit organizations. Star One received the 2018 Corporate Philanthropists Award at the Silicon Valley Business Journal’s Corporate Philanthropic Awards dinner.

Star One also made The San Francisco Business Times Top 100 Corporate Philanthropists list based on cash contributions to Bay Area charities and organizations in 2018.

Star One Credit Union is proud to be affiliated with the surrounding community. In addition to providing quality financial products and services to members who live, work or attend school in the area, Star One makes a commitment each year to be a positive force through sponsorships, volunteerism and donations to various programs and organizations.

Star One and its employees directly contribute time, money, and in-kind donations to programs like the Alzheimer's Association, Autism Speaks, Second Harvest Food Bank, Cake4Kids, Family Giving Tree, The Health Trust Meals On Wheels, Hope Services, Lucile Packard Children’s Fund, Marine Toys for Tots Foundation, Silicon Valley Faces, Humane Society Silicon Valley and so much more.

Bauer Financial, Inc.
Star One was recognized by Bauer Financial, Inc. and awarded "Superior," their highest rating, for over 120 consecutive quarters.

The nation's leading independent bank and credit union rating and research firm, has been analyzing and reporting on the financial condition of the nation's banking industry since 1983. Financial institutions cannot pay for ratings, and cannot avoid being evaluated by Bauer Financial, Inc.

Weiss Ratings "Excellent"
Star One was rated in the highest financial grade by Weiss Ratings.

For more than 20 years, Weiss Ratings has had an unparalleled track record warning of the weaknesses of hundreds of insurance companies and financial institutions that subsequently failed. Weiss Ratings strives for fairness and objectivity in its ratings and analyses, ensuring that each company receives the rating that most accurately depicts its ability to deal with severe economic adversity. Weiss Ratings accepts no payments for its ratings from rated institutions.

Visionary Leadership Award
At the 6th Annual Call to Action Conference of the Elder Financial Protection Network (EFPN) held in 2009, Star One Credit Union was conferred the Visionary Leadership Award for its ongoing efforts to protect the aged from financial abuse. Following receipt of the award, Star One's President & CEO Rick Heldebrant noted, "Star One Credit Union remains committed to raising awareness within our community about elder financial abuse. Our commitment to this imperative is especially relevant given the current economic environment. We believe education and awareness leads to prevention and are powerful tools in the fight against this crime. As a Credit Union we value our unique position within the community we serve and take seriously our commitment to educate others on ways to avoid financial exploitation and loss." Star One remains an active supporter of EFPN's dedication to the prevention of elder financial abuse through community education, public awareness campaigns and professional training.

Abby Award
Arts Council Silicon Valley awarded Star One Credit Union an ABBY Award at the 2008 Silicon Valley Arts & Business Awards Luncheon for our Small Business Support.

Star One was nominated by American Musical Theatre, San Jose (AMTSJ) for sustained general operating funds and for fully funding AMTSJ's High School HONORS, the Company's program for training and mentoring young musical theatre performers and technicians.

Operation Care & Comfort
Rick Heldebrant, President and CEO of Star One Credit Union, accepted on behalf of Star One an American Flag that was flown over A1 Faw Palace, Camp Victory, Baghdad, Iraq during "Operation New Dawn" in 2010. The American Flag was given in recognition for Star One's commitment and dedication to the service men & women of United States forces - Iraq. On behalf of the Soldiers, Sailors, Airmen, & Marines they thanked Star One for their continued support of the troops.

The Lockheed Missile Employees Federal Credit Union was chartered in October 1956 to serve employees of the new Lockheed Missiles and Space Division in Sunnyvale, California. Our doors opened in January 1957 when 1,350 member accounts were transferred from the Lockheed Aircraft Employees Federal Credit Union in Burbank.

  • We moved to our Sunnyvale (then 166 8th Avenue) location in September 1969, and in 1971 became one of the first federal credit unions to qualify for federal share (deposit) insurance. By the end of 1971 we had 22,225 members, total assets of $92 million, and total loans of $58 million.

  • By 1980 we had our own in-house computer system, enabling Star One to become a full-service financial institution. Over the next few years we introduced share draft (checking) accounts, credit and home-equity lines, IRAs, Certificate accounts, longer-term first mortgage loans, ATMs, Touchtone Teller service and VISA credit cards.

  • On our 25th anniversary in 1981, our name was changed from Lockheed Missiles Employees Federal Credit Union to LMSC Federal Credit Union and our Austin, Texas branch opened in September 1982. In December, our assets reached $200 million. At year-end 1985, assets were $435 million, loans were $217 million and we had 43,153 members.

  • In 1986 we nearly doubled the size of our Sunnyvale office building. A short time later we introduced VISA Gold credit cards and expanded ATM service. In 1993 the Board changed our field of membership, allowing the Credit Union to provide membership to Select Employee Groups (SEGs) outside the Lockheed Martin community.

  • In 1995 we changed our name from LMSC Federal Credit Union to Star One Federal Credit Union. Assets surpassed $1 billion for the first time. In 1996 we introduced Online Banking via the Internet. By the end of 1998, assets were $1.6 billion, loans were $408 million and we had 55,632 members. In 2001 we became state chartered, and our name formally changed to Star One Credit Union.

  • In 2002, our Austin branch celebrated its 20th anniversary. In addition, the need for more space in Sunnyvale was finally solved with the purchase of our Administrative Building.

  • In 2003, we opened our De Anza Branch in Cupertino, California. In April 2004 we introduced Bill Pay within the Online Banking interface.

  • In 2006 we celebrated our 50th anniversary, with Star One growing into the largest credit union based in Santa Clara County and the 17th largest in the nation. We had more than 72,000 members worldwide. At this time we also opened our San Jose branch on Blossom Hill Road, while closing our branch in Austin.

  • We continued our new branching effort in 2007 with the opening of the El Camino Branch in Palo Alto, California and in 2008 relocated the 8th Avenue branch to Enterprise Way and relocated many employees to our Administrative Building. Now with four retail branches throughout Santa Clara County, our ATM and Shared Branch networks nationwide, as well as full-service Online Banking, Star One members can access their accounts easily and conveniently.

  • In 2010 we opened our fifth branch! The San Jose - Stevens Creek branch is located at 3136 Stevens Creek Blvd, just around the corner from Santana Row.

  • Autumn 2016 brought the opening of our sixth branch, this time on Big Basin Way (Highway 9) in historic downtown Saratoga, California.

Today, Star One Credit Union is a full-service financial institution with assets exceeding 10.8 billion and more than 117,000 members.

The information contained in the Star One Credit Union web site is intended to summarize our products and services. It is not a complete disclosure of all terms and conditions. For complete information and disclosure please contact Star One Credit Union directly.