Membership – Star of Texas Credit Union

Star of Texas Credit Union

Together Making It Possible

What Does It Cost?

Become a credit union member today by opening a savings account with as little as $10!

Who Is Eligible?

If you live, work, worship, or attend school within Travis County. We also welcome Texas Workforce Commission employees. You're also eligible if you have a family member with an SOTCU account.

Why SOTCU?

Your Credit Union membership is a valuable asset and comes with unique privileges including lower interest rates on loans and higher interest rates on savings.

“Together Making It Possible” is more than a motto; it is the core value that guides us as we serve our members. We welcome Texas Workforce Commission employees, relatives of any current member, and anyone who may live, work, worship or attend school within Travis County.

BECOME A MEMBEr

Annual Bonus: New for 2025

We’re excited to introduce a new benefit just for Star of Texas Credit Union members: the Annual Bonus Program¹.

Each year, members in good standing will receive a bonus deposit based on the average balances in eligible checking, savings, money market, and loan accounts. The more you save and borrow with us, the more you earn.

Bonuses are credited in January, based on your activity from the previous year. Every qualifying member will receive at least a minimum payout.

This program reflects our commitment to sharing our success with you.

Ready to Join?

Here is What You'll Need

Opening a membership savings account at a Star of Texas Credit Union branch. Here’s what you’ll need:

• 2 forms of Govt. Issued ID or valid Passport and Govt. Issued Matricula ID.
• If your ID shows an address outside of Travis County, please also bring a pay stub or utility bill showing that you live or work in Travis County.
• You will need at least the $10.00 minimum balance.
• That is all you need to become a member-owner of the credit union with access to all of our great products and services, as well as full voting rights.

You can also apply online using the link below and receive approval within minutes!* Quick, convenient, no paperwork required!

-Data below as of FY2022

Our History

The Credit Union is democratically controlled and you take part in your financial future by electing your Board of Directors. As a member of Star of Texas Credit Union, you share in the ownership of a full service financial institution and being an owner makes a difference. We strive to keep costs low and profits are returned to our members through lower fees and higher dividends because we are not for profit, but for service.

Since 1952 Star of Texas Credit Union has strived to meet the needs of its owners in providing a safe and sound financial alternative. All accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Whether it’s opening your child’s first savings account or buying a new automobile, we’re here to serve you.

Certified CDFI

What Is CDFI?

Community Development Financial Institutions – or CDFIs – are mission-driven financial institutions that are dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities.

CDFIs invest in local communities and the residents who live there by providing critically needed financing often unavailable from mainstream financial institutions.
CDFIs are certified by the U.S. Department of the Treasury’s Community Development Financial Institutions Fund – known as the CDFI Fund. In order to become a certified CDFI, the financial institution must: have a primary mission of promoting community development; provide financial products and services; serve one or more defined low-income target markets; maintain accountability to the community it serves; and be a legal non-governmental entity.
All CDFIs share a common mission of serving low-income communities. CDFIs are commonly loan funds, credit unions, community banks, or venture capital funds.
Certified CDFIs are part of a national network promoting economic growth in America’s underserved communities by financing businesses, creating jobs, and rebuilding neighborhoods.
As a CDFI, Star of Texas Credit Union puts the community first and values local, economic growth.

¹Annual Bonus Disclosure
The Annual Bonus is a dividend and loan rebate program created to reward members who actively use Star of Texas Credit Union for their saving and borrowing needs. Payouts are based on the average annual balance of eligible accounts and are subject to the Credit Union’s financial performance, annual budget, and approval by the Board of Directors. Not all accounts qualify. Exclusions include credit cards, CDs, delinquent or written-off loans, negative balances, dormant accounts, and memberships below par value. Members must be in good standing to receive a payout, and a minimum bonus amount will be credited to all qualifying members. Bonus amounts are not guaranteed and are determined at the sole discretion of the Board. The calculation method is subject to change. The program may be amended or discontinued at any time. For more information, please contact Star of Texas Credit Union.