Rates

Checking

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TYPE BALANCE TIER INTEREST RATE
ANNUAL PERCENTAGE YIELD (APY)
VALUE PLUS CHECKING

$0 - $10,000

$10,000.01+

Criteria not met

2.4815%

0.3095%

0.01%

2.51%

0.31%

0.01%

INTEREST CHECKING

$0 - $4,999.99

$5,000 - $19,999.99

$20,000+

0.01%

0.01%

0.01%

0.01%

0.01%

0.01%

All tiers of the accounts with interest rate and APY. Rates effective 10/16/18. 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

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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 SAVEAWAY $0 - $999,999,999.99 0.02% 0.02%
COLLEGE BOUND SAVINGS $0 - $999,999,999.99 0.70% 0.70%
MONEY MARKET 

$0 - $2,499.99

$2,500 - $9,999.99

$10,000+

0.01%

0.02%

0.03%

0.01%

0.02%

0.03%

PREFERRED LIQUIDITY FUND

$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%

1.2429%

1.3417%

1.4405%

0.8467%

0.02%

1.25%

1.35%

1.45%

0.85%

All tiers of the accounts with interest rate and APY. Rates effective 10/16/18. Variable Rate product, rates are subject to change without notice any time including after account opening. Fees may reduce the earnings on the account.


Certificate of Deposits

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TERM ANNUAL PERCENTAGE YIELD (APY) MINIMUM BALANCE COMPOUND FREQUENCY
14 Days 0.05%¹ $5,000 At Maturity
1 Month 0.45%* $1,000 At Maturity
3 Months 0.50%* $1,000 At Maturity
6 Months 0.65%* $1,000 At Maturity
9 Months 0.75%* $1,000 Monthly
15 Months 0.95%* $1,000 Monthly
 15 Month Special 2.35%² $10,000 Monthly
18 Months 1.10%* $1,000 Monthly
2 Years 1.30%* $1,000 Monthly
30 Months 1.40%* $1,000 Monthly
3 Years 1.50%* $1,000 Monthly
4 Years 1.60%* $1,000 Monthly
5 Years 1.75%* $1,000 Monthly
1 STAR Power requires a minimum deposit and balance of $5,000. Is not eligible for relationship pricing.
2 APY quoted requires an active STAR checking relationship. APY effective 9/4/18. APY may change daily. Excludes IRA and Health Savings CDs. Minimum balance of $10,000 per CD. Maximum deposit $250,000 per CD. Penalty may apply for early withdrawal. Limited time 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. If you do not have a STAR checking account, please deduct the following percent based on the CD term:

Percent CD Term
.05% Equal to or less than 12 months
.05% Between (and including) 15 & 30 months
.10% Greater than 30 months
Penalty may apply for early withdrawal. APY's are effective as of October 16, 2018.

Mortgage

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LOAN INTEREST RATE
POINTS APR P&I
30 Year Fixed 5.125% 0.000 5.209% $544.49 
20 Year Fixed 4.875% 0.000 4.988% $653.07  
15 Year Fixed 4.625% 0.000 4.767%
$771.40 
Debt Free 10 Year Fixed 4.25% 0.000 4.453% $1,024.38 
Debt Free 7 Year Fixed 4.125% 0.000 4.407% $1,372.64 
7/1 ARM 4.375% 0.000 4.455% $499.29 
5/1 ARM 4.25% 0.000 4.33% $491.94 

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 80% Loan-to-Value (LTV), approximately 30 days prepaid interest, a $850 underwriting fee, a $81 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

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PROGRAM TERM CLTV LOAN AMOUNT RATE as low as APR as low as
Home Equity Line of Credit (HELOC)¹ Up to 10 year Up to 80% Up to $250,000 5.25% 5.25%
Home Equity Loan (HELO)² Up to 10 year Up to 80% Up to $250,000 5.60% 5.60%

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. APR shown includes .25% discount for automatic payments from a STAR Checking account. Rates above are based on a loan amount in excess of $50,000 to a consumer with good credit history, individual rates may vary. 

1 HELOC programs are a variable rate product passed on the Prime Rate as published in the Wall Street Journal. HELOC maximum rate is 18%. Rates above are based on having the payment auto deducted. Interest may be tax deductible, consult your tax advisor for more information. Rate subject to change daily. 

2 HELO programs are a fixed rate product. The example provided is a $50,000 loan with a 10 year term. The estimated payment is $526.67 or 120 months of $5.27 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

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MODEL YEAR TERM (in months)
RATE as low as APR as low as
 2019 - 2017

36 - 48

49 - 60

61 - 72

73 - 75

3.24%

3.24%

3.49%

3.74%

3.55%

3.49%

3.70%

3.95%

2016 - 2015

36 - 48

49 - 60

61 - 72

3.74%

3.99%

4.24%

4.06%

4.25%

4.46%

2014 - 2012

36 - 48

49 - 60

4.24%

4.49%

4.56%

4.75%

2011 - 2010

36 - 48

5.24%

5.56%

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

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MODEL YEAR TERM (in months)
APR as low as RATE as low as
 2019 - 2017

36 - 48

49 - 60

61 - 84

85 - 96

97 - 120

4.09%

4.44%

4.69%

4.94%

5.19%

4.33%

4.64%

4.83%

5.06%

5.30%

2016 - 2015

36 - 48

49 - 60

61 - 84

85 - 96

97 - 120

5.19%

5.44%

5.69%

5.94%

6.19%

5.43%

5.64%

5.84%

6.07%

6.30%

2014 - 2010

36 - 48

49 - 60

61 - 84

85 - 96

5.74%

5.99%

6.24%

6.49%

5.98%

6.19%

6.39%

6.62%

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.