RATES AND FEES

Regular Savings, Checking, & Shares

ACCOUNTDIVIDENDAPY (ANNUAL PERCENTAGE YIELD)TERMS
Savings0.05%0.05%$100 and up to earn
Intelligent Checking™0.05%0.05%$100 and up to earn
Club/Christmas/Promotional0.05%0.05%Up to $5,000
Star Savers0.05%0.05%Youth (age 0-15 yrs)
Money Market0.10%0.10%$1,000 and up to earn

Open an Account Online

Effective Date: May 1, 2022

Money Market

ACCOUNTDIVIDEND RATEAPY (ANNUAL PERCENTAGE YIELD)TERMS
MONEY MARKET0.10%0.10%$1,000 and up to earn
Effective Date: May 1, 2022

IRA Savings

ACCOUNTDIVDEND RATEAPY (ANNUAL PERCENTAGE YIELD)TERMS
MONEY MARKET0.10%0.10%$1,000 and up to earn
Effective Date: May 1, 2022

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Share Certificate Rates

TermDividend RateAPY (ANNUAL PERCENTAGE YIELD)JUMBO RATE/APY (1)
6 Month0.25%-
12 Month (Promotional)0.35%0.35%1.00% / 1.00%
24 Month (Promotional)0.85%0.85%0.95% / 0.95%
60 Month0.80%0.80%-
Effective Date: May 1, 2022

LOAN RATES

Annual Percentage Rate (APR) Based on Your Credit

TYPEAPR (Annual Percentage Rate)TERMS
New, Used, & Refinanced Vehiclesas low as 2.50% (2)Subject to credit approval
Signature/Personal Loansas low as 9.90% (2)Subject to credit approval.
Residential Mortgage*Call for rates.Call for terms
Residential Lot/Land*Call for rates.Call for terms
Investment Properties*Call for rates.Call for terms

Apply for a Loan Online

2Subject to credit approval. Rates based on credit score and term length. Financing available up to 84 mos. on select collateral. “As low as” rates advertised assume 0-48 mos. terms with excellent credit. Call or contact the credit union for more information. Apply online. Subject to change at any time with or without prior notice.


Star of Texas Credit Union Mastercard®

The SOTCU Mastercard® credit card gives you all the features you need, at the lowest rates we can offer.

CardRate
Platinum Mastercard9.90%
Mastercard Gold12.50%
Classic Mastercard13.90%
APPLY TODAY
MANAGE YOUR ACCOUNT
Effective June 1st, 2021 SOTCU Mastercard®

Account Fees

TypeCharge
NSF/Courtesy Pay Fee*$33.00 Per Item
Deposited Item Return or Cashed$15.00 Per Item
Deposited Item Returned or Cashed$25.00 Per Item
Member check drawn on other financial institution
Overdraft Transfer$4.00 Per Automatic Transfer
Share Account Excessive W/D**$2.00 Per Transaction
If more than 6 withdrawal per month
Money Market Excessive W/D**$10.00 Per Transaction
If more than 6 withdrawals per month
Christmas Club Early W/D$10.00 Per Transaction
Single/Series of Check Stop Payment$30.00 Per Request
Electronic Stop Payment$35.00 Per Request

EFT Fees

TypeCharge
ATM Transaction$1.00 Per Transaction
(Not on Alliance)
Replacement Card Fee$10.00 Per Card
ATM and Checkcard
ATM/Checkcard Paid Item$33.00 Per Item
Debit Card Rush Order$35.00 Per Card

Loan Fees

TypeCharge
Payment Return (ACH or Check)$27.50 Per Instance

Other Fees

TypeCharge
Bill Pay (Inactive User Fee)^^$3.00 Per Month
Temporary Check Printing$2.00 Per (4) Checks
Check Order^Varies (Actual Cost)
Statement Copy$3.00 Per Statement
Transfer and Balance Inquiries$1.00 Per Request
(Not Audio)
International Item Collection$20.00 Per Check
(Check Drawn on a Foreign Institution)
Check Copy$3.00 Per Check
Account Closing Fee$10.00 Per Request
Savings within 90 days of open date
Account Research$25.00 Per Hour
$25.00 Minimum Charge
 Account Closure and Reopening Fee$25.00 Not Related to Fraud or Joint Removal 
 Monthly Paper Statement***$3.00 Per Month 
 Legal ProcessActual Cost ($25.00 Minimum) 
 IRA Direct Custodian Transfer Fee$30.00 Per Request 
 Verification of Deposits$10.00 Per Request 
 Non Member Check Cashing Fee$5.00 Per Min
Or 5% of check amount 
 Non Member Notary Fee$6.00 Per Document 
 Gift Card$5.00 Per Card 
 Account Reconciliation$25.00 Per Hour
$25.00 Minimum 
 Drive Thru Canister Replacement$100.00 Per Canister 
 Return Statement Fee (Bad Address)$5.00 Per Statement 
 Cashier's Check (Member)$5.00 Per Check 
 Cashier's Check (Non-Member)$10.00 Per Check 
 Money Order$1.50 Per Money Order 
 Wire Transfer (Outgoing)$15.00 Per Transfer 

Safe Deposit Box

TypeCharge
 Key Deposit $25.00 Per Box
Deposit Refunded if all keys returned when box is closed
 DrillingVaries (Actual Cost) 
 Lost Key$10.00 Per Key 
2 x 5 Rental$15.00 Per Year
5 x 5 Rental$25.00 Per Year

Share Value

TypeCharge
Par Value of One Share$10.00
Effective Date: October 2, 2019
* The Courtesy Pay Service is offered only to qualified members when no other form of overdraft protection is available. The Courtesy Pay Fee applies if we choose to pay an overdraft caused by a check, ATM withdrawal, check card transaction, or a withdrawal or transfer by any other electronic means.
** The Excessive Withdrawal Fee applies if you exceed six automatic or preauthorized transfers or withdrawals from a Share Account or a Money Market Savings Account per month.
***Free E-Statement.
^ The cost varies by the quantity and type of check order. Upon request, members over age 60+ will receive one free personal standard box of checks every 12 months.
^^ Bill Pay is free when actively utilized. Monthly inactivity fee of $3.00 is assessed if no payments are processed during the month.