RATES AND FEES
Regular Savings, Checking, & Shares
ACCOUNT | DIVIDEND | APY (ANNUAL PERCENTAGE YIELD) | TERMS |
---|---|---|---|
Savings | 0.05% | 0.05% | $100 and up to earn |
Intelligent Checking™ | 0.05% | 0.05% | $100 and up to earn |
Club/Christmas/Promotional | 0.05% | 0.05% | Up to $5,000 |
Star Savers | 0.05% | 0.05% | Youth (age 0-15 yrs) |
Money Market | 0.10% | 0.10% | $1,000 and up to earn |
Open an Account Online
Effective Date: May 1, 2022
Money Market
ACCOUNT | DIVIDEND RATE | APY (ANNUAL PERCENTAGE YIELD) | TERMS |
---|---|---|---|
MONEY MARKET | 0.10% | 0.10% | $1,000 and up to earn |
Effective Date: May 1, 2022
IRA Savings
ACCOUNT | DIVDEND RATE | APY (ANNUAL PERCENTAGE YIELD) | TERMS |
---|---|---|---|
MONEY MARKET | 0.10% | 0.10% | $1,000 and up to earn |
Effective Date: May 1, 2022
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Share Certificate Rates
Term | Dividend Rate | APY (ANNUAL PERCENTAGE YIELD) | JUMBO RATE/APY (1) |
---|---|---|---|
6 Month | 0.25% | - | |
12 Month (Promotional) | 0.35% | 0.35% | 1.00% / 1.00% |
24 Month (Promotional) | 0.85% | 0.85% | 0.95% / 0.95% |
60 Month | 0.80% | 0.80% | - |
Effective Date: May 1, 2022
LOAN RATES
Annual Percentage Rate (APR) Based on Your Credit
TYPE | APR (Annual Percentage Rate) | TERMS |
---|---|---|
New, Used, & Refinanced Vehicles | as low as 2.50% (2) | Subject to credit approval |
Signature/Personal Loans | as 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.
Card | Rate |
---|---|
Platinum Mastercard | 9.90% |
Mastercard Gold | 12.50% |
Classic Mastercard | 13.90% |
Effective June 1st, 2021 SOTCU Mastercard®
Account Fees
Type | Charge |
---|---|
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
Type | Charge |
---|---|
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
Type | Charge |
---|---|
Payment Return (ACH or Check) | $27.50 Per Instance |
Other Fees
Type | Charge |
---|---|
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 Process | Actual 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
Type | Charge |
---|---|
Key Deposit | $25.00 Per Box |
Deposit Refunded if all keys returned when box is closed | |
Drilling | Varies (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
Type | Charge |
---|---|
Par Value of One Share | $10.00 |