Savings Account
Five Star Checking
The Five Star Checking account is an account with added perks. With this account, you will be offered free notary service, an addition of .15% to any new certificate over a two-year term, and two orders of “safety paper” checks per year. The account requires you maintain an average combined monthly balance of $3,000 (this figure will be determined by adding together the balances of shares, checking, share plus and super shares). If the aggregate account balance falls below $3,000.00, you will be ineligible for the rewards. To receive the rewards, you must maintain an active checking account with a payroll deposit, direct deposit, regular monthly ACH deposit or 15 transactions per month. You must also have online account access, an active debit card and e-statements. To open a Five Star Checking account, complete the Five Star Checking Agreement found in the Forms section of this website and return to the Credit Union with your deposit.
SUPER SHARE
Vacation Club
The Vacation Club is another type of savings account. This account earns interest and there is a $10.00 minimum deposit. This account allows you to put money in a separate savings account that only allows two (2) withdrawal’s per calendar year. If you should want to make more than two (2) withdrawals, you will be assessed a $10.00 fee per withdrawal. Once this account is opened it will automatically renew each year unless we are notified in writing. In order to open this account, complete the Vacation Club Application and forward to the credit union. You may start this account any month of the year.
IRA Certificates
Individual Retirement Account certificates comply with federal guidelines and policies as well as credit union certificate policies. IRA certificates are available in multiple terms. There is a $2,000 minimum balance for opening an IRA certificate. Early withdrawal from the certificate results in a penalty of 180 days interest on the amount of the withdrawal being assessed as well as any federal penalty that may apply. At least ten (10) days prior to maturity, you will be notified the certificate is maturing. The IRA certificate will automatically renew at the same term as the maturing certificate and the current rate unless notified in writing with complete instructions to do otherwise. We offer shares, 1 year, 2 year, 3 year, and 5 year share certificate. As with all StarUSA share accounts dividends accrue daily and post monthly to the account. The member receives a quarterly statement on the accounts. Individual Retirement Accounts are insured to $250,000.
Silver Star 55+ Checking
The Silver Star Checking account is an account with added perks similar to the Five Star Checking. With this account, you will be offered free notary service, an addition of .15% to any new certificate over a two-year term and two boxes of free “safety paper” checks per year. This account requires you to be 55 years of age or older. In addition, you must maintain an average combined monthly balance of $2,500.00 (this figure will be determined by adding together the balances of shares, checking, share plus and super shares). If the aggregate account balance falls below $2,500.00, you will be ineligible for the rewards. You must maintain an active checking account with a payroll deposit, regular monthly ACH deposit, direct deposit or 15 transactions per month. You must also have online account access, an active debit card and e-statements. To open a Silver Star Checking account complete the Silver Star Checking Agreement found in the Forms section of this website and return it with your deposit.
Holiday Club
The Holiday Club is another type of savings account. This account earns interest and there is a $10.00 minimum deposit. The Holiday Club is separate from your regular share/savings account and withdrawals are only made on November 1st of each year. You may make deposits throughout the year and then on November 1st we will apply the money to your share/savings or share/draft checking account. This account will also renew each year unless we are notified in writing. If you should need to make a withdrawal before the November 1st disbursement date you will be assessed a $10.00 fee for each early withdrawal. In order to open this account, compete the Holiday Club Application and forward to the credit union. You may start this account any month of the year.