Star of Texas is uniquely focused on meeting the lending needs of ALL members, including providing specialized ITIN lending opportunities to help meet your lifestyle needs.

Auto Loans

If you are purchasing new or used or looking to refinance a vehicle, Star of Texas Credit Union offers low rates and flexible terms.

  • Pre-approvals: talk to one of our loan officers for pre-approval before you hit the dealerships and shop with confidence.
  • Flexible terms, with up to 100% financing available.*
  • Low-cost insurance and warranty options available. Please contact us for more information.

Refinance and SAVE!Current LoanNew Loan with SOTCU
Term60 months60 months
Rate6.99% APR*4.99 APR*
Principal Balance$25,000$25,000
Monthly Payment$495$472
Total Interest Charged$4,699$3,301

*APR = Annual Percentage Rate.
**This offer applies only to auto loans refinanced from other financial institutions. Star of Texas Credit Union will reduce your current auto loan rate by 2% with a floor of our lowest rate. Subject to credit and underwriting qualifications, please contact a SOTCU loan officer for complete details.

Share & Certificate Secured 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.

Personal Loans

Car repairs, debt consolidation, new furniture are only a handful of the many reasons you might need a personal loan. At Star of Texas Credit Union, we recognize this fact and want to do all we can to help you with all your lending needs. Our personal loan rates are as low as 9.9% APR (2)

Vacation/Holiday Loans

These loans are offered seasonally and at a low promotional rate. Contact one of our loan officers and find out what loan might be available.

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.

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

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 to credit worthiness, risk score, and ability to repay. Prior Vacation and Holiday loans must be paid in full or refinanced as part of the new loan.

Automatic Transfers

  • Make loan payments or have funds transferred to or from your checking account automatically

  • Automatic loan payments may qualify you for rate discounts.

  • Avoid hassle of mailing and traffic.