Rates

Star USA Federal Credit Union			12/5/22
▫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% of Sticker
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 6.45%**
year of vehicle, equity in vehicle and mileage of vehicle		66	As low as 6.70%**
		72	As low as 7.10%**
		84	As low as 7.70%**

New RV's	100% of Sticker
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 5.90%**
** Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle.		60	As low as 6.45%**
Add 1% on Powersport RV's (Motorcycle, ATV, Jet Ski, UTV)		61-84	As low as 6.60%**
		$15K+ 120	As low as 7.04%**
		$25K+ 180	As low as 7.44%**

Used Vehicles	100% NADA value
(Auto or Truck)	2016-2018	48	As low as 6.90%**
* Subtract 0.10% for ACH or		66	As low as 7.10%**
payroll deduction		72	As low as 7.40%**
	$30,000 or greater	84	As low as 8.00%**
**Rates/Term/Loan Amount
may vary based on credit	2015 and older	48	As low as 7.30%**
qualifications, year of vehicle,		60	As low as 7.90%**
equity in vehicle and mileage		$10K+ 72	As low as 8.70%**
of vehicle


Used RV's	80% of NADA value
* Subtract 0.10% for ACH or		60	As low as 7.09%**
payroll deduction		84	As low as 7.59%**
**Rates may vary based on	$30,000 or greater	120	As low as 7.99%**
credit qualifications, term of
loan, year of vehicle, equity in
vehicle and mileage of vehicle

Unsecured Loan		60	As low as 11.49%**
(Based on years of service and credit qualifications up to $12,000 maximum)

Specialty (Vacation/Christmas, etc)		12	As low as 9.49%**
***Rate based on credit qualifications

New and Used Farm Equipment		New up to 60	8.49%
		Used up to 48	9.99%
			▫All rates subject to change

Star USA Federal Credit Union			12/5/22
*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)	95% Max**	180	Call for Quote
**All loans above 80% requires PMI. Cash out refinance loans are 80% Max.	95% Max**	240	Call for Quote
	95% Max**	360	Call for Quote


Construction			6.75%
1/1 Adjustable Rate Mortgage	80% max	360	3.95%
5/1 Adjustable Rate Mortgage	90% max	360	4.95%

5 Year Balloon	80% max	360	5.25%

*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	5.25%
(Variable Rate)

Second Fixed Rate Mortgage	80% appraised value	60	as low as 7.15% **
	($75,000 maximum)	84	as low as 7.60% **
** Rates/Term/Loan Amount may vary		120	as low as 8.35% **
based on credit qualifications and equity		180	as low as 9.15% **



Unimproved Property	80% appraised value	120	7.95%
		180	8.95%

Star USA Federal Credit Union
*Savings Rates		*Effective February 1, 2023
* All rates subject to change.
Share Type	APY**

Regular Shares	0.00%
Super Shares	0.05%
Share Plus ($2,500 - $49,999)	0.40%
Share Plus (greater than $50,000)	0.75%
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 ($0-24,999) **	0.15%
Premium Money Market ($25,00 - $99,999) **	0.25%
Premium Money Market ($100,000+) **	0.55%
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*	0.43%
6 Months*	0.95%
6 Months* Youth CD (Maximum $5,000)	5.95%
1 Year*	2.25%
2 Year*	2.25%
2 Year* ($50,000 Minimum)	4.04%
3 Year*	2.25%
3 Year* ($100,000 Minimum)	3.00%
5 Year*	2.50%
IRA & Roth IRA Share	0.10%
Health Savings Accounts	0.10%
IRA/Roth/Education 1 yr CD	2.75%
IRA/Roth/Education 2 yr CD	3.35%
IRA/Roth/Education 3 yr CD	3.25%
IRA/Roth/Education 5 yr CD	3.25%
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

2022 FEE SCHEDULE


Fee Description	Fee	Important Information
Returned – Deposited Check	$35.00
Outgoing Faxes	$2.00
Wire Fee – Outgoing	$25.00
Wire Fee – Incoming	$15.00
Cashiers Check Fee	$5.00
Counter Checks	$2.00	Per Page
Stale Check Fee	$25.00
Telephone Transfer Fee	$5.00
Telephone Balance Inquiry	$1.00
Excessive Withdrawal Fee	$5.00	Per withdrawal, after 4 withdrawals per month
Money Orders	$2.50
Inactive Account Fee – Shares	$5.00	Per month, No activity for 6 months AND balances Less than $500
Inactive Account Fee – Checking	$5.00	Per month, No activity for 6 months AND balances Less than $300
Account Printout Fee	$1.00	Per Page
Statement Copy Fee	$5.00	Per Page
Undeliverable Mail – Bad Address	$5.00	Per Month
Notary Fee – Non Member	$5.00
Account Balancing Fee	$20.00
Account Verification Fee	$25.00
Remote Check Fee	$0.50	Per item fee
Account Research Fee	$50.00	Per Hour
Legal Process / IRA Levy	$75.00
Coin Machine Fee	—–>	3% if over $35
Coin Machine Fee – Non Members	—–>	7% of Total
Coin Machine Fee – Under 17 Years Old	—–>	NONE
Check Copy Fee	$5.00	Per Check, after 5 Checks
Safety Deposit Box Fee 5×5	$25.00
Safety Deposit Box Fee 3×10	$27.00
Safety Deposit Box Fee 5×10	$35.00
Safety Deposit Box Fee 10×10	$55.00
Safety Deposit Box – Key Replacement	$35.00
Safety Deposit Box – Lock Change	$100.00
Safety Deposit Box – Re-drilled	$125.00
Check Cashing Fee	$3.50	With Draft account and no matching funds
Check Cashing Fee	$5.00	With Share account and no matching funds
Non-Member Check Cashing Fee	$25.00	Must be US Treasury Check or Certified Payroll Check
Paper Statement Fee	$1.00
Check by Phone	$20.00
CarFax	$15.00	Free with loan
Skip -a- Pay	$30.00
IRA Account Transfer Fee	$50.00	To Another Financial Institution
Early Withdrawal Penalty	—–>	Contact a Member Service Representative
ACH Fees
ACH NSF Fee	$35.00
ACH Courtesy Pay Fee	$35.00
ACH Stop Payment Fee	$30.00
ACH Overdraft Protection Xfr Fee	$7.00
ACH Origination Fee	$5.00
Draft Fees
Share Draft NSF Fee	$35.00
Share Draft Courtesy Pay Fee	$35.00
Share Draft Stop Payment Fee	$30.00
Share Draft Overdraft Protection Xfr Fee	$7.00
Share Draft Closure Fee	$35.00
Check Ordering Fee	—–>	Contact a Member Service Representative
Business Checking Account Fee	—–>	Contact a Member Service Representative
Debit Card Fees
Debit Card NSF Fee	$35.00
Debit Card Courtesy Pay Fee	$35.00
Debit Card Stop Payment	—–>	Contact a Member Service Representative
Debit Card Overdraft Protection Xfr Fee	$7.00
Debit Card Replacement Fee	$10.00
Debit Card Rush Fee	$55.00
Star Online
Star Online – Bill Pymt Overdraft	$35.00
Mobile Check Deposit – Return Fee	$35.00

Prepaid / Reloadable Visa	$7.95
All Fees Subject to Change at the President’s Discretion

	RATE	APY

Share	0.00%	0.00%
Super Share	0.05%	0.05%
Share Plus ($2,500-$49,999)	0.40%	0.40%
Share Plus (Greater than $50,000)	0.75%	0.75%
Club Level Money Market ($5,000-$49,999)	0.10%	0.10%
Club Level Money Market ($50,000+)	0.15%	0.15%
Premium Money Market ($0-$24,999)	0.15%	0.15%
Premium Money Market ($25,000-$49,999)	0.25%	0.25%
Premium Money Market ($50,000+)	0.55%	0.55%
3 month CD*	0.42%	0.43%
6 month CD*	0.94%	0.95%
6 month youth CD ($5,000 max) Type 6Y	5.79%	5.95%
1 year CD*	2.23%	2.25%
2 year CD*	2.23%	2.25%
2 year CD* (Type 2N - Minimum $2,500 New Money Only, 5 & Silver Star Only)	3.97%	4.04%
3 year CD*	2.23%	2.25%
3 year CD* (Type 3S-Minimum $100,000)	2.95%	3.00%
5 year CD	2.47%	2.50%
*Any Silver Star 55+ or 5 Star Member can add 0.20% 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	2.72%	2.75%
IRA/Roth/Coverdell ESA 2 yr. Certificate	3.30%	3.35%
IRA/Roth/Coverdell ESA 3 yr. Certificate	3.20%	3.25%
IRA/Roth/Coverdell ESA 5 yr. Certificate	3.20%	3.25%
Coverdell ESA	0.20%	0.20%
Vacation Club	0.05%	0.05%
Holiday Club	0.05%	0.05%
Share Draft Checking	0.00%	0.00%
Business Draft	0.05%	0.05%