For banking by telephone, to find an ATM, or to speak to a Star One phone representative for assistance with this website, please call us at 866-543-5202 or 408-543-5202.
Star One Mobile App

Star One Mobile Banking
It's free and secure to use!

Get the Star One Mobile Banking app for your device.
It's free, intuitive, safe and secure to use!

Skip navigation

Personal Loans and Lines

Meet your individual financial needs with a Star One Credit Union Personal Line of Credit or a Personal Loan.

Personal Line of Credit

Personal Line of Credit interest rate

Annual Percentage Rate



Monthly payment: 2.5% of current balance, Variable rate

Use a revolving line of credit for vacations, home decorating, computers, or even to pay off higher-rate credit cards. It also provides overdraft coverage for your Star One Free Checking Account.

The maximum credit line is $40,000 and the minimum is $1,000. The interest rate on quarterly variable rate loans is determined by an index. The Annual Percentage Rate (APR) is determined by adding 4% to the most recent value of the Prime Rate published in the Money Rates column of the Wall Street Journal 10 days preceding the first day of the months of January, April, July and October and rounded to the nearest quarter of a percent.

Apply Now

Personal Loans

Personal Loans interest rate

Annual Percentage Rate Range



- 14.25

% *

Monthly payment: $21.38 - $23.41 per $1,000, Fixed rate, 5 years maximum term

* Your APR based on credit qualification.

Fixed-rate personal loans can be used for any purpose. Members sometimes choose this loan for a particular purchase or a debt that they wish to pay in a specific period of time. The maximum loan is $40,000 and the minimum loan is $1,000 with a maximum term of 5 years.

Apply Now

Protect your loan with Credit Life and Disability Insurance—available for vehicle loans, personal loans and lines, and share-secured loans.

Even if you have life insurance, other unfortunate circumstances could impact your monthly income. Having the peace of mind that your loan payment will be made, should you become disabled due to injury or illness, is worth the minimal cost added to your loan payment.

View our Credit Life and Disability PDF brochure.

Maximum Coverage Limits

Level Rate Disability Life
Coverage Amount Unlimited $50,000 per loan
Termination Age 70 70
Coverage Duration 120 months 120 months
Monthly Benefit Amount $750.00 per loan Not applicable

Who is Eligible and How Much Does it Cost?

Level Rate Disability Life
Eligibility Age Under age 70 Under age 70
Working Requirements Actively at work a minimum of 30 hours per week on the loan advance date Not applicable
Single Rate $2.00 per $1,000 per month $0.69 per $1,000 per month
Joint Rate Not applicable $1.16 per $1,000 per month