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!

View
Skip navigation

Rates

Mortgage rates and interest rates for IRAs, consumer loans, plus certificate, checking and savings accounts.

Savings and Checking Rates and Terms

Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.70% 0.70% Monthly Monthly Monthly

Minimum Deposit Minimum Balance to Earn Stated APY
$50.00 $50.00
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.10% 0.10% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY
$25.00 None
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.10% / 0.70% † 0.10% / 0.70% † Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Qualifiers
$25.00 None † Refer to Section G of our Rate and Fee Schedule.
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.10% 0.10% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY Account Qualifiers
$25.00 None Age 25 or under
Dividend Rate Annual Percentage Yield (APY) Dividends Compounded Dividends Credited Dividend Period
0.70% 0.70% Monthly Monthly Monthly

Minimum Opening Deposit Minimum Balance to Earn Stated APY
$5.00 $5.00

Certificate Account Rates and Terms

Effective Date: 06-22-2022 through 06-28-2022

Item Dividend Rate (%) Annual Percentage Yield (%)
Term Fixed Fixed
6-Month 0.80% 0.80%
1-Year 1.00% 1.00%
2-Year 1.19% 1.20%
Additional Deposits Not Allowed - See Transaction Limitations on Disclosure Page.
Withdrawals See Transaction Limitations on Disclosure Page, Minimum Withdrawal Amount $1,000.00 Early withdrawal penalties apply
Renewable Automatic

Minimum Opening Deposit $2,500.00
Dividends Compounded Monthly and at Maturity
Dividends Credited Monthly and at Maturity
Dividend Period Monthly

See our Certificate Account Disclosure and Fee Disclosure and Membership and Account Agreement for more information.

IRA Account Rates and Terms

Type Minimum Opening Deposit Dividends Compounded Dividends Credited Dividend Period
Traditional Contributory IRA $25 w/Automatic Deposit, $100 w/o Automatic Deposit Monthly and at Maturity* Monthly and at Maturity** Monthly
Traditional Rollover IRA None Monthly and at Maturity* Monthly and at Maturity** Monthly
Roth Contributory IRA $25 w/Automatic Deposit, $100 w/o Automatic Deposit Monthly and at Maturity* Monthly and at Maturity** Monthly
Roth Conversion IRA None Monthly and at Maturity* Monthly and at Maturity** Monthly
ESA (Education Savings Account) $25 w/Automatic Deposit, $100 w/o Automatic Deposit Monthly and at Maturity* Monthly and at Maturity** Monthly


June 2022: Rates effective 06-22-2022 through 06-28-2022
Item Dividend Rate (%) Annual Percentage Yield (%)
IRA Savings 0.70% 0.70%
Certificate Account Terms Fixed Fixed
6-Month 0.80% 0.80%
1-Year 1.00% 1.00%
2-Year 1.19% 1.20%
Additional Deposits See Transaction Limitations on Disclosure Page See Transaction Limitations on Disclosure Page
Withdrawals See Transaction Limitations on Disclosure Page See Transaction Limitations on Disclosure Page
Renewable Automatic**

*Monthly only on IRA Savings Account.

**Only Applicable to Certificate Accounts at Maturity.

***See IRA Disclosure Page for additional information.

Consumer Loan Rates

Type Annual Percentage Range Rate Type Maximum Term Monthly Payment Per $1,000
Under $30,000* 2.94% - 6.94%^ Fixed 7 Years $13.19 - $15.07
$30,000 and over* 2.74% - 6.74%^ Fixed 7 Years $13.10 - $14.97

*Lower rates disclosed include a discount of 0.20% for a new loan of $30,000 or more as well as promotional rate for qualified borrowers. Rate discount and promotional rates do not apply to loan modifications or refinancing of existing Star One loans. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full.

^Your APR based on credit qualification.

Type Annual Percentage Range Monthly Payment Per $1,000
Visa Signature Rewards (min $5000 line)** 8.75%^ 2.5% of Current Balance
Visa Platinum Rewards** 8.75% - 12.75%^ 2.5% of Current Balance
Visa Platinum Best Rate** 7.75% - 13.75%^ 2.5% of Current Balance

Compare Visa Credit Card Rates

**See Visa Credit Card Agreement and Disclosure

^Your APR based on credit qualification.

Type Annual Percentage Range Rate Type Maximum Term Monthly Payment Per $1,000
New/Used Motorhome & Recreational Trailers* 4.60% - 8.60%^ Fixed 10 Years $10.42 - $12.46
New/Used Boats* 4.60% - 8.60%^ Fixed 10 Years $10.42 - $12.46
New/Used Motorcycles* 4.60% - 8.60%^ Fixed 7 Years $13.95 - $15.89

*Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full.

^Your APR based on credit qualification.

Type Annual Percentage Range Rate Type Maximum Term Monthly Payment Per $1,000
Solar Loans 2.99% - 4.99%^ Fixed 15 Years $6.94 - $7.91
Student Loans - Undergraduate - fixed rate 4.50% - 9.00%++ Fixed+++ 20 Years $6.33 - $9.00
Student Loans - Undergraduate - variable rate 4.00% - 7.00%++ Variable+++ 20 Years $6.07 - $7.76
Student Loans - Graduate - fixed rate 4.50% - 9.00%++ Fixed+++ 20 Years $6.33 - $9.00
Student Loans - Graduate - variable rate 4.00% - 6.75%++ Variable+++ 20 Years $6.07 - $7.61
Student Loan Refinance - fixed rate 3.50% - 7.75%++ Fixed 15 Years 5 years max. term: $18.20 - $19.11
10 years max. term: $10.25 - $11.97
15 years max. term: $7.78 - $9.42
Student Loan Refinance - variable rate 2.25% - 6.00%++ Variable 15 Years 5 years max. term: $17.64 - $18.53
10 years max. term: $9.43 - $10.47
15 years max. term: $7.15 - $8.44
Personal Loans 7.49% - 11.49%^ Fixed 5 Years $20.03 - $21.99
Savings Secured Loans 2.70% Variable 7 Years $13.09
Personal Credit Lines 7.50% Variable ---- 2.5% of current balance

^ Your APR based on credit qualification. Promotional rates are valid through June 30th, 2022.

++ Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments.

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

Mortgage Rates

Type Interest Rate Points1 Annual Percentage Rate2 Monthly Payment Per $1,000****
30 years - Conforming to $970,800** 4.875% 0.000% 4.964% $5.29
30 years - Jumbo*** 4.875% 0.000% 4.918% $5.29
20 years - Conforming to $970,800** 4.500% 0.000% 4.616% $6.33
20 years - Jumbo*** 4.500% 0.000% 4.555% $6.33
15 years - Conforming to $970,800** 4.375% 0.000% 4.522% $7.59
15 years - Jumbo*** 4.375% 0.000% 4.443% $7.59
10 years - Conforming to $970,800** 4.375% 0.000% 4.452% $10.30
10 years - Jumbo*** 4.375% 0.000% 4.452% $10.30

**** Payment amount does not include taxes and insurance. Actual payment amount will be greater.

** In most of the country, the maximum conforming loan limit for one-unit properties is $647,200. In "high-cost" areas, the maximum conforming limit may be up to $970,800. The "high-cost" areas loan limits are established annually by the Federal Housing Finance Agency (FHFA). These higher limits are designed to make homeownership more affordable in areas with the highest home prices.

*** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000. High-Balance Conforming allows for higher loan limits beyond the $647,200 conforming limit up to $970,800 for high-cost areas as determined by the Federal Housing Finance Agency (FHFA).

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.

Rate and points may be locked in for 60 days.

1. Other rates and point options are available. Contact a Star One Phone Representative for details.

2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

Type First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000*****
3-Year Fixed-to-ARM 30 years - Conforming 3.625% 0.000% 5.131% 8.625% $4.56
3-Year Fixed-to-ARM 30 years - Jumbo*** 3.625% 0.000% 5.264% 8.625% $4.56
5-Year Fixed-to-ARM 30 years - Conforming 3.750% 0.000% 4.931% 8.750% $4.63
5-Year Fixed-to-ARM 30 years - Jumbo*** 3.750% 0.000% 5.040% 8.750% $4.63
7-Year Fixed-to-ARM 30 years - Conforming 3.875% 0.000% 4.793% 8.875% $4.70
7-Year Fixed-to-ARM 30 years - Jumbo*** 3.875% 0.000% 4.874% 8.875% $4.70
10-Year Fixed-to-ARM 30 years - Conforming 4.000% 0.000% 4.639% 9.000% $4.77
10-Year Fixed-to-ARM 30 years - Jumbo*** 4.000% 0.000% 4.686% 9.000% $4.77
5-5 ARM 30 years - Conforming 3.750% 0.000% 5.085% 8.750% $4.63
5-5 ARM 30 years - Jumbo*** 3.750% 0.000% 5.129% 8.750% $4.63

After the initial fixed rate period, the interest rate will be based on the Adjustable Rate Loan program.

***** Payment amount does not include taxes and insurance. Actual payment amount will be greater.

*** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.

Rate and points may be locked in for 60 days.

1. Other rates and point options are available. Contact a Star One Phone Representative for details.

2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

Type Interest Rate Points Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
Adjustable-Rate Home Equity Loan, owner-occupied (maximum 15 years - up to $750,000) 4.625%****** 0.000% 5.856% 9.625% $7.71
Fixed-Rate Home Equity Loan, owner-occupied (maximum 15 years - up to $750,000) 4.750% 0.000% 4.809% n/a $7.78

****** After the initial fixed-rate period, the interest rate will be based on the Adjustable-Rate Loan program.

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value.

Rate may be locked in for 60 days.

2. The Annual Percentage Rate (APR) assumes a loan amount of $100,000.

Type Interest Rate1 Annual Percentage Rate1 Lifetime Cap Monthly Payment Per $1,000
California owner-occupied 4.000% 4.000% 18.000% Minimum payment will equal finance charges (interest).

1. Home-equity line of credit rates are variable and the maximum APR that could apply is 18.000%. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early closure fee of $500 for home-equity lines closed within the first two years of origination.

Investment Property Mortgage Rates

First Trust Deed Interest Rate Points1 Annual Percentage Rate2 Monthly Payment Per $1,000
30 years - Conforming 5.625% 0.000% 5.724% $5.76
30 years - Jumbo*** 5.625% 0.000% 5.676% $5.76
20 years - Conforming 5.500% 0.000% 5.631% $6.88
20 years - Jumbo*** 5.500% 0.000% 5.567% $6.88
15 years - Conforming 5.375% 0.000% 5.539% $8.10
15 years - Jumbo*** 5.375% 0.000% 5.458% $8.10
10 years - Conforming 5.250% 0.000% 5.480% $10.73
10 years - Jumbo*** 5.250% 0.000% 5.365% $10.73

Maximum loan amount is $2,500,000. Contact a loan officer for details.

*** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.

Rate and points may be locked in for 60 days.

1. Other rates and point options are available. Contact a Star One Phone Representative for details.

2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

30-Year Adjustable-Rate Loans Interest Rate Points1 Annual Percentage Rate2 Lifetime Cap Monthly Payment Per $1,000
3-Year Fixed-to-Adjustable Rate - Conforming 4.125% 0.000% 5.253% 9.125% $4.85
3-Year Fixed-to-Adjustable Rate - Jumbo*** 4.125% 0.000% 5.394% 9.125% $4.85
5-Year Fixed-to-Adjustable Rate - Conforming 4.250% 0.000% 5.117% 9.250% $4.92
5-Year Fixed-to-Adjustable Rate - Jumbo*** 4.250% 0.000% 5.226% 9.250% $4.92
7-Year Fixed-to-Adjustable Rate - Conforming 4.375% 0.000% 5.035% 9.375% $4.99
7-Year Fixed-to-Adjustable Rate - Jumbo*** 4.375% 0.000% 5.115% 9.375% $4.99
10-Year Fixed-to-Adjustable Rate - Conforming 4.625% 0.000% 5.031% 9.625% $5.14
10-Year Fixed-to-Adjustable Rate - Jumbo*** 4.625% 0.000% 5.076% 9.625% $5.14

Initial interest rate is fixed for 3 years, 5 years, 7 years or 10 years. See loan program summary for additional terms, contact a loan officer for details. Maximum loan amount is $2,500,000. Contact a loan officer for details.

*** The Jumbo Loan limit is any amount greater than $647,200 up to $5,000,000.

Maximum real estate loan(s) to any one member is $7,000,000 (cumulative total). The maximum percent financed is calculated by dividing the loan amount by the property's value. The property's value for purchase transactions is the lesser of the appraised value or purchase price.

Rate and points may be locked in for 60 days.

1. Other rates and point options are available. Contact a Star One Phone Representative for details.

2. The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $800,000 for Jumbo loans. The APR for all other loans assumes a loan amount of $100,000.

Mortgage Rate Lock-In Commitment

Since mortgage interest rates are constantly changing, we offer the option of "locking-in" a current Credit Union rate to protect you against an increase during the loan process.

Learn about Star One's Rate Lock-In Commitment.