Rates
Star USA Federal Credit Union | 4/27/22 | ||
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▫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 3.50%** | |
year of vehicle, equity in vehicle and mileage of vehicle | 66 | As low as 3.79%** | |
72 | As low as 3.99%** | ||
84 | As low as 4.80%** | ||
New RV's | 100% of Sticker | ||
* Subtract 0.10% for ACH or Payroll Deduction | 48 | As low as 3.95%** | |
** Rates may vary based on credit qualifications, term of loan, year of vehicle, equity in vehicle and mileage of vehicle. | 60 | As low as 4.10%** | |
Add 1% on Powersport RV's (Motorcycle, ATV, Jet Ski, UTV) | 61-84 | As low as 4.35%** | |
$25K+ 120 | As low as 4.69%** | ||
$25K+ 180 | As low as 4.89%** | ||
Used Vehicles | 100% NADA value | ||
(Auto or Truck) | 2014-2021 | 48 | As low as 3.59%** |
* Subtract 0.10% for ACH or | 66 | As low as 3.89%** | |
payroll deduction | 72 | As low as 4.39%** | |
$30,000 or greater | 84 | As low as 4.99%** | |
**Rates/Term/Loan Amount | |||
may vary based on credit | 2013 and older | 48 | As low as 4.65%** |
qualifications, year of vehicle, | 60 | As low as 5.15%** | |
equity in vehicle and mileage | $15K+ 72 | As low as 5.90%** | |
of vehicle | |||
Used RV's | 80% of NADA value | ||
* Subtract 0.10% for ACH or | 60 | As low as 5.30%** | |
payroll deduction | 84 | As low as 5.60%** | |
**Rates may vary based on | $30,000 or greater | 120 | As low as 5.90%** |
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 | 3/29/22 | |||
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*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 | 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 | 4.25% | |
*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 | 4.25% | |
(Variable Rate) | ||||
Second Fixed Rate Mortgage | 80% appraised value | 60 | as low as 4.75% ** | |
($75,000 maximum) | 84 | as low as 5.25% ** | ||
** Rates/Term/Loan Amount may vary | 120 | as low as 5.75% ** | ||
based on credit qualifications and equity | 180 | as low as 6.25% ** | ||
Unimproved Property | 80% appraised value | 120 | 5.95% | |
180 | 6.95% |
Star USA Federal Credit Union | ||||||||
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*Savings Rates | *Effective May 16, 2022 | |||||||
* All rates subject to change. | ||||||||
Share Type | APY** | |||||||
Regular Shares | 0.00% | |||||||
Super Shares | 0.05% | |||||||
Share Plus ($2,500 - $49,999) | 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 ($0-24,999) ** | 0.05% | |||||||
Premium Money Market ($25,00 - $99,999) ** | 0.10% | |||||||
Premium Money Market ($100,000+) ** | 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* | 0.25% | |||||||
2 Year* | 0.73% | |||||||
3 Year* | 1.00% | |||||||
3 Year* ($50,000 Minimum) | 1.75% | |||||||
5 Year* | 1.35% | |||||||
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 | 0.80% | |||||||
IRA/Roth/Education 3 yr CD | 1.10% | |||||||
IRA/Roth/Education 5 yr CD | 1.40% | |||||||
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 | |
---|---|---|
3 month CD* | 0.05% | 0.05% |
6 month CD* | 0.15% | 0.15% |
1 year CD* | 0.25% | 0.25% |
2 year CD* | 0.73% | 0.73% |
3 year CD* | 0.99% | 1.00% |
3 year CD* (Type 3S-Minimum $50,000) | 1.74% | 1.75% |
5 year CD | 1.34% | 1.35% |
*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 | 0.80% | 0.80% |
IRA/Roth/Coverdell ESA 3 yr. Certificate | 1.09% | 1.10% |
IRA/Roth/Coverdell ESA 5 yr. Certificate | 1.39% | 1.40% |
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% |