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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

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.

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Personal Line of Credit interest rate

Annual Percentage Rate



Monthly payment: 2.5% of current balance, Variable rate

Personal Loans

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.

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Personal Loans interest rate

Annual Percentage Rate Range



- 11.49

% *

Monthly payment: $20.03 - $21.99 per $1,000, Fixed rate, 5 years maximum term

* Your APR based on credit qualification.

Important note: An individual Star One member may borrow a maximum of $40,000 in Visa Credit Card accounts, Lines of Credit, Personal Loans and Emergency/Disaster Loans combined.