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Student Services

Star One Credit Union helps young people make ends meet.

Student Checking

For anyone age 25 or under—Student Checking includes all our Free Checking features, plus an ATM surcharge refund of up to $10 per month.

Student Visa Credit Card

Our no-annual-fee Platinum Best Rate Visa card with a credit limit of $100-$1,500 is available to members 25 and under. No co-signer is required after income verification for lower credit limits. Manage your account online, wherever you go.

Compare Checking Accounts

Student and Free Checking Accounts are automatically upgraded to Rewards Checking Accounts on the first day of the month for a one-month period when they qualify, based on transactions and qualifications of the prior month.
Checking Account Feature Free Checking Rewards Checking Student Checking
$0 Monthly Fee yes yes yes
Free Checking
0.25% APY
yes no yes
Rewards Checking
1.14% APY
no yes no
$0 Bill Pay Fee yes yes yes
Free first box of 50 checks yes yes yes
Free checks no yes no
ATM surcharge refund—up to $20/month no yes no
ATM surcharge refund—up to $10/month no no yes
Free, secure Online and Mobile Banking yes yes yes
eStatements/eNotices/eTax/eLoan Coupons yes yes yes
Visa Debit Card yes yes yes
ezDeposit and Mobile Deposit yes yes yes
Touchtone Teller yes yes yes
Shared Branch Network—over 6,500 branches and nearly 30,000 ATMs nationwide yes yes yes

Student Loans and Refinancing

Undergraduate and graduate business-school student loans through Star One Credit Union can help fill gaps in your student-loan coverage. Scholarships, grants and federal student loans might not cover the total of your expenses.

  • Lower interest rates
  • Zero origination fees
  • Deferment of principal AND interest while in school
  • Flexible repayment terms
  • Co-signers, if any, can be removed after consistent payments
  • Graduated repayment to make monthly payments more manageable
  • Refinance your private and federal** student loans (including PLUS and Parent PLUS) for savings, convenience and a potentially lower rate

Student Loan Interest Rates

Student Loans - Undergraduate

Annual Percentage Rate Range

5.75

%

- 7.75

% ****

Monthly payment: $7.03 - $8.22 per $1,000, Variable rate, 20 years maximum term*****

Student Loans - Graduate

Annual Percentage Rate Range

5.00

%

- 6.75

% ****

Monthly payment: $6.61 - $7.61 per $1,000, Variable rate, 20 years maximum term*****

Student Loan Refinance - fixed rate

Annual Percentage Rate Range

3.50

%

- 6.45

% ****

Monthly payment per $1000:****
5 years max. term: $18.20 - $18.88
10 years max. term: $10.25 - $10.98
15 years max. term: $7.89 - $8.69

Student Loan Refinance - variable rate

Annual Percentage Rate Range

2.70

%

- 5.20

% ****

Monthly payment per $1000:****
5 years max. term: $17.84 - $18.51
10 years max. term: $9.75 - $10.47
15 years max. term: $7.25 - $8.02


Student Loan Application and Information

Apply to Refinance a Student Loan

* Subject to qualification and annual credit review. Loans available for study at approved schools only.

** By refinancing federal student loans, you may lose certain borrower benefits from your original loans, such as interest-rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.

**** Your APR based on credit qualification. Floor % for undergraduate and graduate programs. Cap 18.00% applies to all student-loans.

***** 25-year term available for loans equal to or greater than $40,000.

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