Category: Promotions

Save $2,000 on mortgage and real estate loans!

Get the keys to your dream home or property this holiday season with Star of Texas Credit Union! For a limited time, we’re offering up to $2,000 in Lender Credits by discounting the origination & processing fees on mortgage & real estate loans booked before December 31!

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Details

• Offer valid: November 22 – December 31, 2024
• Eligible loans: Residential, Lot/Land, and 1-4 Unit Investment Properties
• Loan amounts: $100,000 – $350,000

Don’t miss this incredible opportunity to save while making your next move! Visit a branch or call us at 512-458-8253 to learn more about this offer!

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Terms & Conditions: This promotion is offered by Star of Texas Credit Union and is not affiliated with or
sponsored by any government agency. 1

Receive up to $2,000 in Lender Credits, applicable to origination and processing fees. This does not include mortgage insurance, seller-paid closing costs, or discount points. Eligible borrowers can use this promotion for the following loan types: residential properties, lot/land purchases, and 1–4-unit investment properties. Loan amounts must be between $100,000 and $350,000 to qualify. The Lender Credits will be applied at closing and reflected on the appropriate closing documents. Closing costs will vary depending on the transaction. All loans are subject to approval. This promotion cannot be combined with other offers, discounts, or promotions. The offer is subject to change and may be discontinued at any time without notice. For full details, contact Star of Texas Credit Union. Star of Texas Credit Union is an equal opportunity lender. NMLS #315541. All rights reserved.

Star of Texas Credit Union Holiday Programs

This season, we’re offering two ways to make your holidays brighter! Take advantage of our Holiday Loan Program and/or our Skip-a-Payment Program. 🎉

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🎁 Get a Holiday Loan

Get up to $1,200 to help with gifts, travel, and other holiday expenses. Relaxed approval criteria make this loan option more accessible. Program runs November 25 – December 31.

• Quick Application: Complete an application at Star of Texas Credit Union starting November 18.
• Loan Amounts & Terms: Borrow up to $1,200 with a repayment period of up to 12 months.
• Interest Rates: Starting at 11.90% or 14.00%, depending on your credit profile (as of October 24, 2024).
• Approval Criteria: Relaxed guidelines to help more members access funds for the season. Approval is based on individual creditworthiness.
• Flexible Repayment Terms: Manageable repayment options to fit your budget.

Eligibility:

• Loans must meet creditworthiness standards, and members must have a minimum positive balance of $25.
• Only specific loan types qualify; certain products are excluded.

Additional Restrictions:

• Loan amounts and rates are subject to credit approval. Rates and terms may change, and additional restrictions apply.

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🌟 Skip-a-Payment

Keep more cash in your pocket when you need it most! For each loan you have with Star of Texas, you can skip up to two payments a year. The holiday season is a popular time for members to defer payment and use that money for holiday shopping, travel, or other expenses. Program runs November 1 – December 31.

• How It Works: Complete and sign this form to apply (approval required).
• Program Fee: $25 per loan, deducted from your Checking or Savings account. Fees are disclosed in our Fee Schedule and may change.
• Interest Accrual: Finance charges continue to accrue on unpaid balances during the deferment period.
• Loan Term Impact: Skipping a payment extends the final loan payment date for each skip-a-pay granted. Members remain responsible for their total debt.

Eligibility:

• Loans must be in good standing with at least six consecutive on-time payments and a positive balance of $25.
• Skips cannot be consecutive; members are limited to two skips per loan per year and a maximum of five skips over the life of the loan.
• Ineligible Loans: Mortgages, home equity, credit cards, and certain other loans do not qualify.

Additional Restrictions:

• Skips must adhere to program guidelines, and additional restrictions may apply. The credit union reserves the right to determine eligibility based on account history.

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🎉 Ready to Apply? 🎉

Visit a branch or call us at 512-458-8253 to learn more about these seasonal offers! Let us help you make the most of this holiday season, with flexible options to fit your financial needs.

Complete this Skip-A-Payment form or pick one up when you visit.