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News

View our quarterly newsletter, statement reminders, free workshop announcements, and more.

Read our Spring Newsletter!

Spring is in the air and our latest newsletter is now online.


Banking 24/7 without coming into the branch

Learn about the many ways you can bank with Star One 24/7 without coming into the branch.


Star One 2019 Annual Report

As we close this decade, we look back on the achievements we've made for—and with—our members.

Browse our 2019 Annual Report today.


2019 IRS Tax Forms now Available in Online Banking

2019 tax forms are now available for download inside Online Banking in the eNotices area.

For members not enrolled in eNotices in Online Banking, paper copies have been sent by postal mail.

1099-INTs are not generated for less than $10 dividends earned. 1098 tax forms are not generated for less than $600 in interest paid.


Free Educational Workshops ( Cancelled )

Understand the Power of 1031 Exchanges

Tax-deferred exchanges are an increasingly popular wealth-building tool for Real Estate Investors. Exchanges are also an important tool to help improve your Real Estate Investments. The workshop will cover:

  • Basics of exchange steps
  • Benefits to investor
  • Financial security
  • Converting investment property to primary residence
  • Reverse exchanges

April 4, 2020, 11:00a.m. - 12:30p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Home Buying

If you are planning to buy your first home or are experienced in home buying and looking for tips, this is the event for you to attend. A real estate agent, appraiser, and title insurance company representative will all be available to provide tips and answer questions.

April 23, 2020, 5:30p.m. - 7:30p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.


The SECURE Act 2020 and your IRA

The Setting Every Community Up for Retirement Enhancement Act (SECURE Act) was signed into law on December 20, 2019 and many of of its provisions took effect on January 1, 2020.

  • Traditional IRA owners can now contribute after age 70½
  • Delayed age for Required Minimum Distributions (RMDs)
  • Distribution taken for birth or adoption
  • Expanded definition of the eligible compensation for Graduate student IRA contributions

Learn more about the provisions of the SECURE Act 2020.


Meet knowledgeable Real Estate Agents

Come and join us during Branch Real Estate Days. Knowledgeable Real Estate Agents from our HomeAdvantage® program will be onsite to answer questions—no appointments necessary!

Friday, April 3 ( Postponed )
El Camino, Palo Alto 11:30 a.m. - 1:30 p.m.
Friday, April 3 ( Postponed )
Big Basin, Saratoga 11:30 a.m. - 1:30 p.m.

Star One's Mortgage Rate Modification Program Highlighted by Wall Street Journal

Star One has been helping members save money for over 20 years through a unique mortgage rate modification program that can easily lower the interest rate on a mortgage loan when interest rates drop.

A recent Wall Street Journal article discusses mortgage loan modification programs at several financial institutions—including the program available to all Star One members for a low fee.

Read the complete Wall Street Journal article.


Six years in a row! Star One ranked #1 by CUNA

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

CUNA estimated that Star One provides $147,666,735 in direct financial benefits to its members during the twelve months ending March 2019. These benefits are equivalent to $3,005, the highest benefits ever reported, 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.

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


Newsletters in .PDF format only.

2020

2019

2018

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2011

2010

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

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

CUNA estimated that Star One provides $147,666,735 in direct financial benefits to its members during the twelve months ending March 2019. These benefits are equivalent to $3,005, the highest benefits ever reported, 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.

We strive to deliver more valuable services to you every day. Thank you for the opportunity to let us serve your financial needs.

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. 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.


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 116 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. www.bauerfinancial.com


IDC Financial Publishing, Inc. "Superior"
Star One was awarded the highest financial rating by IDC Financial Publishing, Inc.

IDC ranks credit unions using its proprietary methodology and regulatory reports submitted to the federal government. The "Credit Union Financial Profiles" identifies several financial ratios, assigns a weight factor to each based on its relative importance to the health of the institution, and then combines the overall view into a numeric summary rank. IDC has a remarkable track record of being able to identify deteriorating or improving performance many months, and sometimes years, before it becomes apparent to less-sophisticated ranking companies. www.idcfp.com


Weiss Ratings "Excellent"
Star One received the highest financial rating of A+ 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. www.weissratings.com


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.

Our educational workshop series is being postponed while shelter-in-place orders are in effect.

Understand the Power of 1031 Exchanges

Tax-deferred exchanges are an increasingly popular wealth-building tool for Real Estate Investors. Exchanges are also an important tool to help improve your Real Estate Investments. The workshop will cover:

  • Basics of exchange steps
  • Benefits to investor
  • Financial security
  • Converting investment property to primary residence
  • Reverse exchanges

April 4, 2020, 11:00a.m. - 12:30p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Home Buying

If you are planning to buy your first home or are experienced in home buying and looking for tips, this is the event for you to attend. A real estate agent, appraiser, and title insurance company representative will all be available to provide tips and answer questions.

April 23, 2020, 5:30p.m. - 7:30p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Understanding Credit

Credit: Many want it but how do you get it? This session covers all aspects of becoming an educated credit consumer, including how lenders evaluate for credit approval, factors that impact credit qualification, how credit scoring works, and ways money management today impacts credit standing tomorrow.

April 30, 2020, 5:30p.m. - 7:30p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Identity Theft Solutions

Identity theft is becoming more common and sophisticated than ever. Session participants will learn the methods that identity thieves use to access confidential information, tools for preventing ID theft, and steps to take should identity theft occur.

May 14, 2020, 6:00p.m. - 7:30p.m.
Blossom Hill branch, 1090 Blossom Hill Rd., San, Jose, CA
Register now by email.

Age Well, Plan Well—How to Prevent Financial Exploitation

Older Americans are losing nearly $3 billion every year to people who take advantage of their vulnerabilities. Exploitation can take many forms, including scams, abuse by trusted individuals, and predatory products and services marketed to the elderly. We’ll cover ways to protect yourself and family members from falling victim to this type of fraud.

May 16, 2020, 10:00a.m. - 12:00p.m.
or 1:00p.m. - 3:00p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Age Well, Plan Well—Estate Planning

Learn about estate planning and other helpful ways to prepare for the future. Star One’s Beneficiary Retiree Services team will be on hand with guest speaker Natalie Spiwak, Certified Citadel* Estate Planner, to answer general questions and show how the Credit Union can help you with Estate Planning needs.

June 13, 2020, 9:00a.m. - 11:00a.m.
or 1:00p.m. - 3:00p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

IRA Planning for Your Retirement—Advanced

Workshop presented by Star One Certified IRA Professionals.

*Note that neither Star One nor any of its affiliates give tax advice. Please consult a tax professional for information specific to your situation.

July 18, 2020, 10:00a.m. - 12:00p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Home Buying

If you are planning to buy your first home or are experienced in home buying and looking for tips, this is the event for you to attend. A real estate agent, appraiser, and title insurance company representative will all be available to provide tips and answer questions.

August 6, 2020, 6:00p.m. - 7:30p.m.
Blossom Hill branch, 1090 Blossom Hill Rd., San Jose, CA
Register now by email.

Age Well, Plan Well—Estate Planning

Learn about estate planning and other helpful ways to prepare for the future. Star One’s Beneficiary Retiree Services team will be on hand with guest speaker Natalie Spiwak, Certified Citadel* Estate Planner, to answer general questions and show how the Credit Union can help you with Estate Planning needs.

September 19, 2020, 9:00a.m. - 11:00a.m.
or 1:00p.m. - 3:00p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Inherited IRAs & Beneficiary Options

Workshop presented by Star One Certified IRA Professionals. Participants will gain a better understanding of what beneficiary options are available to them. We’ll explore who can be the beneficiary of your IRA, what your options are when you inherit an IRA, the rules that can affect your beneficiary options such as:

  • Spouse Beneficiary
  • Non-Spouse Beneficiary
  • Death Before or After Age 70½
  • Trusts and Non-Person Beneficiary

October 10, 2020, 10:00a.m. - 12:00p.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Cyber Security Awareness

This workshop will raise member awareness about the importance of personal cyber security while performing various activities on the Internet. Members will learn recent cyber fraud trends and events as well as obtain various tools, resources and best security practices to stay safe online.

October 14, 2020, 6:00p.m. - 7:30p.m.
Stevens Creek branch, 3136 Stevens Creek Blvd., San Jose, CA
Register now by email.

October 24, 2020, 10:00a.m. - 11:30a.m.
Administration building, 1306 Bordeaux Dr., Sunnyvale, CA
Register now by email.

Statement Reminders

Your Star One Statement is now available for online viewing.

  • March 2020 Regular Statement Reminder:
    Star One's Rewards Checking includes everything our Free Checking offers plus the same great yield as our Money Market Savings Account. You’ll also receive a refund of up to $20/month of ATM surcharge fees and free checks. Visit our website to learn more.
  • March 2020 Visa Statement Reminder:
    You can earn unlimited points and get unlimited cash back when you shop with your Star One Visa Rewards credit card. These transactions can also help you qualify for Rewards Checking. Use your card today to take full advantage. Visit our website to learn more.

For security reasons, we do not include links in our Online Statement email reminder. To view your Online Statements, log into Online Banking, then select "Statements" in the main navigation.


Scheduled Maintenance

Online Banking and Touchtone Teller are normally unavailable for short periods of time for end-of-day processing:

  • Daily (less than 30 minutes) beginning at approximately 6:00 pm.
  • Last business day of the month (less than 30 minutes) beginning at approximately 6:00 pm.