Rates

Star USA Federal Credit Union			3/16/20
▫Loan Rates	First in your community!		Visit us at www.star.coop
Loan Type	Requirements	Maximum Term	Annual Rate
Visa Classic/Gold	No Annual Fee	27
Share Secured			2.5% over share secured rate


New Vehicles	100% MSRP
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 2.95%**
year of vehicle, equity in vehicle and mileage of vehicle		66	As low as 3.20%**
		72	As low as 3.95%**
		84	As low as 5.30%**

New RV's	100% of Sticker
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 4.40%**
** Rates may vary based on credit qualifications, term of loan,		60	As low as 4.80%**
year of vehicle, equity in vehicle and mileage of vehicle		61-84	As low as 5.20%**
		$25K+ 120	As low as 5.40%**
		$25K+ 180	As low as 5.90%**

Used Vehicles	100% NADA value
(Auto or Truck)	2012-2019	48	As low as 3.15%**
* Subtract 0.10% for ACH or		60	As low as 3.50%**
payroll deduction		66	As low as 3.85%**
		72	As low as 4.40%**
**Rates/Term/Loan Amount
may vary based on credit	2011 and older	48	As low as 5.10%**
qualifications, year of vehicle,		60	As low as 6.80%
equity in vehicle and mileage
of vehicle


Used RV's	80% of NADA value
* Subtract 0.10% for ACH or		60	As low as 5.30%**
payroll deduction	$20,000 or greater	84	As low as 5.60%**
**Rates may vary based on
credit qualifications, term of
loan, year of vehicle, equity in
vehicle and mileage of vehicle

Unsecured Loan		60	As low as 9.95%**
(Based on years of service and credit qualifications up to $12,000 maximum)

Specialty (Vacation/Christmas, etc)		12	As low as 6.95%**
***Rate based on credit qualifications

New and Used Farm Equipment		New up to 60	5.20%
		Used up to 48	7.00%
			▫All rates subject to change

Star USA Federal Credit Union			3/2/20
*Mortgage Rates			Visit us at www.star.coop
*All rates subject to change

MORTGAGE
TYPE	REQUIREMENTS	MAXIMUM TERM	ANNUAL RATE

Mortgage (First/Refinance or purchase)	80% max	180	Call for Quote
		240	Call for Quote
		360	Call for Quote


Construction			5.45%
1/1 Adjustable Rate Mortgage	80% max	360	3.65%
5/1 Adjustable Rate Mortgage	90% max	360	3.95%

5 Year Balloon	80% max	360	3.50%

*These rates are for loans $30,000 and greater.
Add 1.00% to rate for loans less than $30,000

Equity Line of Credit	80% appraised value	300	4.50%
(Variable Rate)

Second Fixed Rate Mortgage	90% appraised value	60	as low as 4.25% **
	($75,000 maximum)	84	as low as 4.60% **
** Rates/Term/Loan Amount may vary		120	as low as 4.99% **
based on credit qualifications and equity		180	as low as 5.75% **
	100% appraised value	12-84 months	as low as 6.25% **
	($50,000 maximum)

Unimproved Property	80% appraised value	120	5.95%
		180	6.95%

Star USA Federal Credit Union
*Savings Rates		*Effective May 5, 2020
* All rates subject to change.
Share Type	APY**

Regular Shares	0.00%
Super Shares	0.05%
Share Plus ($2,500 - $50,000)	0.10%
Share Plus (greater than $50,000)	0.20%
All Club and Premium Money Markets must have a 5 Star or Silver Star Checking
Club Level Money Market ($5,000 - $49,999) **	0.10%
Club Level Money Market ($50,000 +) **	0.15%
Premium Money Market ($0-25,000.00) **	0.05%
Premium Money Market ($25,001 - $100,000) **	0.10%
Premium Money Market ($100,001+) **	0.15%
Share Certificates
Any Silver Star 55+ or 5 Star Member
Can add 0.15% to any new Certificate with a 2-year term or higher or 0.05% for all others.*
3 Months*	0.05%
6 Months*	0.15%
1 Year*	0.22%
2 Year*	0.38%
3 Year*	0.49%
5 Year*	0.70%
IRA & Roth IRA Share	0.10%
Health Savings Accounts	0.10%
IRA/Roth/Education 1 yr CD	0.50%
IRA/Roth/Education 2 yr CD	0.70%
IRA/Roth/Education 3 yr CD	0.80%
IRA/Roth/Education 5 yr CD	0.90%
Coverdell ESA	0.20%
Holiday Club	0.05%
Vacation Club	0.05%
Business Draft	0.05%

**These rates reflect the Annual Percentage Yield and are presented for the member's information only.
Please contact the credit union for disclosures and account details
		VISIT US AT
		WWW.STAR.COOP

Effective as of: 08/15/2019


Returned Checks	$35.00
Wires
Wires – Outgoing	$25.00
Wires – Incoming	$15.00
International Wires – Outgoing	Not Available
International Wires – Incoming	$25.00
Money Orders	$2.50
Cashiers Check to Third Party	$5.00
Counter Checks	$2.00 per page
Verbal Telephone Transfer	$5.00
Excess Share Withdrawal Fee	$5.00 per withdrawal in excess of 4 per month(Transfers do not count as withdrawals.)
Stale Check Fee	$25.00 Outstanding Checks over 180 days, open account – void/redeposit
Returned Deposit Item	$35.00
*Overdraft Protection Transfer Fee	$7.00
Outgoing Faxes	$2.00
Telephone Balance Inquiry	$1.00
Account Printout	$1.00 per page
*Account Balancing Fee	$20.00 per hour
Inactive Savings Account Fee	$5.00 per month on account balances of $500 or less. No activity for 6 months.
Inactive Checking Account Fee	$5.00 per month on account balances of $300 or less. No activity for 6 months.
Share Draft Account Closure Fee	$35.00
Debit Card Replacement Fee	$10.00
ACH Insufficient Funds	$35.00
ACH Origination	$5.00
ACH Stop Payment	$30.00
Account Research	$50.00 per hour
Legal Process	$75.00 per IRS Levy, State Levy, Suggestion, Initial Garnishment
Overnight Fees UPS	market rate of carrier
Overnight Fees UPS Saturday	market rate of carrier
2nd Day Priority Mail Postal Service	market rate of carrier
Carfax history	$15.00 with auto loan – title check FREE
Star Online PC Access	FREE
Star Online PC Access/Bill Pmt	FREE
Bill Payment Fee Overdraft	$35.00
Draft Stop Payment Fee	$30.00 per item ($100.00 for complete book)
Courtesy Pay Fee (If service used)	$35.00 per item
Safe Deposit Box Fees	$25.00 5×5 $27.00 3×10 $35.00 5×10 $55.00 10×10
Safe Deposity Box Replacement Key	$35.00
Safe Deposit Box Re-drilled	$125.00
Safe Deposit Box Lock Change	$100.00
Bad Address/Undeliverable Mail	$5.00 per month
Non-Member Notary	$5.00
Account Verification Fee	$25.00 (Requests for written verification of account information from other institutions or agencies
Share Draft Check Copies	$5.00 per check after five
Statement Copy	$1.00 per page
Check Cashing fees	$3.50 with Share Draft and no matching funds **$5.00 with share and not matching funds.
Non-member check cashing fee	$25.00 Must be US Treasury or Certified Payroll Check to cash**
Non-member on-us check cashing fee	$5.00
Check-by-phone	$20.00 per call
Paper Statement Fee	$1.00 per statement
Debit Card Pull/Rush Fee	$55.00
Debit/Credit By Phone	$20.00
Check-by-phone	$20.00 per call
Mobile Deposit Item Return	$35.00
IRA Account Transfer Fee	$50.00 to another institution
*Loan, Share, and Share Draft fees are covered in their appropriate policies.
*All fees may be changed at the President’s discretion

	RATE	APY

3 month CD*	0.05%	0.05%
6 month CD*	0.15%	0.15%
1 year CD*	0.22%	0.22%
2 year CD*	0.38%	0.38%
3 year CD*	0.49%	0.49%
5 year CD	0.70%	0.70%
*Any Silver Star 55+ or 5 Star Member can add 0.15% to any new Certificate with a two-year term or higher and 0.05% for all others.

IRA/Roth IRA Share	0.10%	0.10%
Health Savings Accounts	0.10%	0.10%
IRA/Roth/Coverdell ESA 1 yr. Certificate	0.50%	0.50%
IRA/Roth/Coverdell ESA 2 yr. Certificate	0.60%	0.60%
IRA/Roth/Coverdell ESA 3 yr. Certificate	0.70%	0.70%
IRA/Roth/Coverdell ESA 5 yr. Certificate	0.90%	0.90%
Coverdell ESA	0.20%	0.20%