Take advantage of these amazing CD specials!
| Term | APY |
Minimum Balance
|
Compounding Frequency |
|---|---|---|---|
| 6 Months |
5.00%* |
$1,000 | At Maturity |
| 9 Months1 |
4.75%* |
$1,000 | Monthly |
The Annual Percentage Yield for each CD will be referred to as the APY.
† STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing.
1 *STAR Relationship CD Promotional Offers require the STAR Checking Account to be in good standing to honor the Promotional Offer.”
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active STAR checking relationship. One CD promotional offer per customer.
Penalty may apply for early withdrawal. APY's are effective as of 12/8/2023
† STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing.
1 *STAR Relationship CD Promotional Offers require the STAR Checking Account to be in good standing to honor the Promotional Offer.”
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active STAR checking relationship. One CD promotional offer per customer.
Penalty may apply for early withdrawal. APY's are effective as of 12/8/2023
Interest Checking Account
|
Balance Tier
|
Interest Rate |
Annual Percentage Yield (APY) |
|---|---|---|
| $0 - $4,999.99 |
0.01% | 0.01% |
| $5,000 - $19,999.99 | 0.01% | 0.01% |
| $20,000+ | 0.01% | 0.01% |
All tiers of the accounts with interest rate and APY. Rates effective 1/17/2023. Variable Rate product, rates are subject to change without notice any time including after account opening. Fees may reduce the earnings on the account.
Savings Accounts
| Type | Balance Tier | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Regular Savings | $0 - $999,999,999.99 | 0.02% | 0.02% |
| Cosmo Kids Club | $0 - $999,999,999.99 | 0.02% | 0.02% |
| Club Safeway | $0 - $999,999,999.99 | 0.02% | 0.02% |
| College Bound Savings | $0 - $999,999,999.99 | 0.10% | 0.10% |
| Money Market |
$0 - $2,499.99 $2,500 - $9,999.99 $10,000+ |
0.01% 0.03% 0.049 % |
0.01% 0.03% 0.05% |
| Money Market Preferred |
$0 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 - $2,499,999.99 $2,500,000+ |
0.02% 1.74% 1.98% 2.72% 2.96% |
0.02% 1.75% 2.00% 2.75% 3.00% |
All tiers of the accounts with interest rate and APY. Rates effective 1/17/2023. Variable Rate product, rates are subject to change without notice any time including after account opening. Fees may reduce the earnings on the account.
Certificates of Deposit
| Term | Annual Percentage Yield (APY) | Minimum Balance | Compound Frequency |
|---|---|---|---|
| 14 Days | 0.03%² | $5,000 | At Maturity |
| 1 Month | 0.07%* | $1,000 | At Maturity |
| 3 Months | 3.50%* | $1,000 | At Maturity |
| 6 Months | 3.50%* | $1,000 | At Maturity |
| 9 Months | 3.50%* | $1,000 | Monthly |
| 12 Months | 3.50%* | $1,000 | Monthly |
| 15 Months | 3.50%* | $1,000 | Monthly |
| 18 Months | 3.25%* | $1,000 | Monthly |
| 2 Years | 2.50%* | $1,000 | Monthly |
| 30 Months | 2.25%* | $1,000 | Monthly |
| 3 Years | 2.00%* | $1,000 | Monthly |
| 4 Years | 1.75%* | $1,000 | Monthly |
| 5 Years | 1.50%* | $1,000 | Monthly |
2 STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing.
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active STAR checking relationship.
Penalty may apply for early withdrawal. APY's are effective as of 1/17/2023.
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active STAR checking relationship.
Penalty may apply for early withdrawal. APY's are effective as of 1/17/2023.
Mortgage
| Loan |
Interest Rate | Points | APR |
P & I |
|---|---|---|---|---|
| 30 Year Fixed |
7.375% | 0.000 | 7.482% | $690.68 |
| 20 Year Fixed |
7.000% |
0.000 | 7.136% | $775.30 |
| 15 Year Fixed |
6.875% | 0.000 | 7.044% | $891.85 |
| Debt Free 10 Year Fixed |
6.500% |
0.000 |
6.735% |
$1,135.48 |
| Debt Free 7 Year Fixed |
6.375% |
0.000 | 6.698% | $1,478.90 |
| 7/1 ARM |
6.500% |
0.000 |
6.601% |
$632.07 |
| 5/1 ARM |
6.375% | 0.000 | 6.476% | $623.87 |
APR Assumptions APR = Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in the mortgage market. Interest rates may also adjust according to credit and property approval based on secondary market guidelines. The rates shown are based on average interest rates for customers with a good credit history. Your individual rate may vary. The APR calculation and the Principal & Interest (P&I) amounts are both based on a loan amount of $100,000 for the purchase of a primary residence, with 60% Loan-to-Value (LTV), approximately 30 days prepaid interest, a $975 underwriting fee, a $83 tax service fee, plus discount points shown for a 30 day lock. For ARM programs, the rate may increase after consummation. All ARM programs have a 30-year term. Payments noted above do not include taxes and insurance.
Home Equity Loans
| Program | Term | CLTV | Loan Amount | Rate as low as | APR as low as |
|---|---|---|---|---|---|
| Home Equity Line of Credit (HELOC)† | Up to 10 year | Up to 80% | Up to $250,000 | 8.50% | 8.50% |
| Home Equity Loan (HELO)‡ | Up to 10 year | Up to 80% | Up to $250,000 | 8.125% | 7.875% |
APR= Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in market conditions. All rates are subject to credit approval and property type approval based on bank policy guidelines. Rates above are based on a loan amount in excess of $50,000 to a consumer with good credit history, individual rates may vary.
† HELOC programs are a variable rate product passed on the Prime Rate as published in the Wall Street Journal. HELOC maximum rate is 18% and minimum floor rate of 3.75%. Interest may be tax deductible, consult your tax advisor for more information. Rate subject to change daily.
‡ HELO programs are a fixed rate product. The example provided is a $50,000 loan with a 10 year term and auto-pay from STAR checking account. The estimated payment is $564.50 or 120 months of $11.29 per $1000 borrowed. Other fees may apply. If Auto Pay is cancelled, rate may increase. Rates are subject to change daily. Interest may be tax deductible, consult your tax advisor for more information.
Auto, Truck & Motorcycle Loans
| Model Year | Term (in months) | Rate as low as | APR as low as |
|---|---|---|---|
|
2024 - 2022
|
36 - 48 49 - 60 61 - 72 73 - 75 |
8.24% 8.24% 8.49% 8.74% |
7.99%
7.99% 8.24% 8.49%
|
|
2021 - 2020
|
36 - 48 49 - 60 61 - 72 |
8.74% 8.99% 9.24% |
8.49% 8.74% 8.99% |
| 2019 - 2017 |
36 - 48 49 - 60 |
9.24% 9.49% |
8.99% 9.24% |
| 2016 - 2015 |
36 - 48 | 10.24% |
9.99% |
APR Assumptions APR = Annual Percentage Rate. Examples shown based on a $20,000 loan. APR shown includes .25% discount for automatic payments from a STAR Checking account. Rates may change at any time without notice. Your interest rate will depend on a variety of factors including the model year of the vehicle, whether the vehicle is new or used, as well as, your: credit history, loan amount, loan term, loan to value ratio of your vehicle (based upon dealer invoice for new or NADA value for used), and additional Windfall+ discounts for current customers. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions apply.
Marine & RV Loans
| Model Year | Term (in months) | Rate as low as | APR as low as |
|---|---|---|---|
|
2024 - 2022
|
36 - 48
49 - 60
61 - 84
85 - 96
97 - 120
|
7.99% 8.24% 8.49% 8.74% 8.99% |
7.74%
7.99%
8.24%
8.49%
8.74%
|
|
2021 - 2020
|
36 - 48
49 - 60
61 - 84
85 - 96
97 - 120
|
8.99%
9.24%
9.49%
9.74%
9.99%
|
8.74%
8.99%
9.24%
9.49%
9.74%
|
|
2019 - 2015
|
36 - 48
49 - 60
61 - 84
85 - 96
|
9.99%
10.24%
10.49%
10.74%
|
9.74%
9.99%
10.24%
10.49%
|
APR Assumptions APR = Annual Percentage Rate. Examples shown based on a $20,000 loan. APR shown includes .25% discount for automatic payments from a STAR Checking account. Rates may change at any time without notice. Your interest rate will depend on a variety of factors including the model year of the vehicle, whether the vehicle is new or used, as well as, your: credit history, loan amount, loan term, loan to value ratio of your vehicle (based upon dealer invoice for new or NADA value for used), and additional Windfall+ discounts for current customers. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions apply.