Secure the Financing You Need
Membership Required – Loans are available to Star of Texas Credit Union members and those who qualify to join.
You may be eligible if you live, work, worship, or go to school in Travis County, work for the Texas Workforce Commission, or are a family member of a member.
Applications outside our membership field can’t be approved. Pre-qualification may include a credit check.
Obtaining a personal loan from Star of Texas Credit Union is a great way to consolidate debt, make home improvements, or cover unexpected expenses. We offer competitive rates and fixed monthly payments. We Lend to ITIN! No origination or prepayment fees. Applying is quick and easy!
We Lend to ITIN
Automatic Transfers
-Automatic loan payments may qualify you for rate discounts.
-Avoid hassle of mailing and traffic.
| TYPE | APR | TERMS | EFFECTIVE DATE |
|---|---|---|---|
| Signature Loans | 11.90%* | ** | 8/1/2025 |
| Personal Loans | 11.90%* | ** | 8/1/2025 |
Loans are available to SOTCU members and eligible applicants. Applications outside our field of membership will not be approved. Pre-qualification may include a credit check.
*Rates as low as
**Subject to Credit Approval
Personal Loan
Need cash for a personal reason? We offer loans for almost any need with a fixed interest rate.
- Loan consolidation, home improvements, vacation or emergencies
- No collateral required for unsecured personal loans
- We Lend to ITIN! No social, no problem!
- Loans from $1,000 to $10,000
- Rates as low as 11.9% APR*
- Terms up to 24 months
- No prepayment penalties. Pay early and save on interest.
- Loan approval and APR based on payment method, creditworthiness and ability to repay.
- Credit Insurance Life and Disability: Protect yourself and your family from the burden of debt in case of an unexpected life event.
Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.
Shared & Certificate Loans
These loans are the perfect way to build or rebuild your credit. Money can be pledged from any Star of Texas Credit Union share savings account or certificate of deposit* to secure the loan. Secured loans have a lower interest rate and are more flexible in terms.
- Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.
- Fixed rate 3% above your savings or CD dividend rate.
- Share-Secured MASTERCARD credit card is also available.
Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.
Emergency Loans
Are you behind on some of your bills or have an emergency need? Star of Texas Credit Union is here to help you avoid going to pay day lenders who will charge you high interest rates and fees.
• A good standing member of Star of Texas Credit Union for a minimum of 2 years.
• Direct deposit and automatic payment from a saving or checking account.
• Maximum amount of $1,000 with a term of 12 months.
• Copy of bill required; check will be payable to the billing company.
• Limit of one Emergency loan a year.
Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.
Credit Cards
Rates as low as 9.90% APR*
- No annual fees
- No rate changes for cash advances
- No cash advance fees
- No late payment interest rate hikes
- No balance transfer fees
- Fixed rate for the life of the card
Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.
Secured MasterCard
A secured MasterCard is a great way to start building credit for younger members, but it is also a great way to repair your credit. The secured MasterCard can be secured with funds from a share account or a CD. These funds determine the credit limit and are held as collateral against the credit limit of the card. Our Secured MasterCard has a fixed rate of 9.9% *APR.
*APR=Annual Percentage Rate. Rates are subject to change without notice. Eligibility for lowest rate is subject
Lost/Stolen Visa Debit Card
If your debit card is lost or stolen report it to the Credit Union and VISA (1-800-472-3272).
Lost/Stolen Mastercard Credit Card
To report your lost or stolen Mastercard credit card please contact World Pay at 1-800-442-4757.
If you have any questions please call the Credit Union at (512) 458-8253.
