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LOAN RATES

TYPEAPR (Annual Percentage Rate)TERMSEFFECTIVE DATE
New Auto Loanas low as 4.491Subject to credit approval13/31/2025
Used & Refinanced Loansas low as 5.24%Subject to credit approval3/31/2025
First-Time Car Buyer Programas low as 6.25%Subject to credit approval3/31/2025

1 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required.

Call credit union for most current rates. Subject to change with or without notice.

TYPEAPRTERMSEFFECTIVE DATE
Signature Loans11.90%***9/26/2024
Personal Loans11.90%***9/26/2024

Call credit union for most current rates. Subject to change with or without notice.

TYPEAPR (Annual Percentage Rate)EFFECTIVE DATE
Residential Mortgage ARM5.24% APR3/31/2025
Residential Lot/Land ARM5.99% APR3/31/2025
Investment Properties ARM6.99% APR3/31/2025
Home Equity Loans ARM5.49% APR3/31/2025

Call credit union for most current rates. Subject to change with or without notice.

CardRateEFFECTIVE DATE
Mastercard12.5% to 17.99%2/18/2025

Call credit union for most current rates. Subject to change with or without notice.

CHECKING THAT PAYS

CHECKING RATES

ACCOUNTDIVIDENDRATE/APYTERMSEFFECTIVE DATE
Regular Checking0.10% 10.10% 1$100 and Up Earn5/1/2025
4-Star Checking / High Yield4.00% 24.00% 2Click HERE for more details
5/1/2025

1 Min. Amount to earn dividends is $100.00

2 4.00% APY on balances up to $15,000. 0.15% APY on $15,000+. TERMS: Min. $500 in deposits to SOTCU, (10) or more debit transactions on account per month, no monthly fee. If account does not meet threshold, dividends are forfeited (dividends are posted monthly and based on average monthly balance).

EARN MORE WITH STAR OF TEXAS CREDIT UNION

SAVINGS & INVESTMENTS RATES

TERMAmounts of $1,000 - $49,999.99Amounts of $50,000 - $99,999.99APY Amounts of $100,000 +EFFECTIVE DATE
APY**APY**APY**5/1/2025
3 Month0.90%1.00%1.10%5/1/2025
6 Month3.95%4.00%4.00%5/1/2025
9 Month3.95%4.00%4.00%5/1/2025
12 Month4.00%4.00%4.00%5/1/2025
18 Month3.95%3.95%3.95%5/1/2025
24 Month3.80%3.80%3.80%5/1/2025
36 Month3.75%3.75%3.75%5/1/2025
48 Month3.60%3.60%3.60%5/1/2025
60 month3.60%3.60%3.60%5/1/2025

Share Certificates minimum amount to earn $1,000 unless otherwise stated under “Amount” row. Early withdrawal penalties apply is surrendered prior to term maturity.

12 MONTH CERTIFICATE SPECIAL: Limited time only. Special Promo for new money brought on deposit to Star of Texas Credit Union. Subject to change or expire with or without notice. Always check with SOTCU for current terms and conditions.

ACCOUNTDIVIDENDRATE/APYTERMSEFFECTIVE DATE
IRA0.40% 10.40% 1$1,000 and Up Earn2/1/2025

1 Min. Amount to earn dividends is $1,000.00

ACCOUNTDIVIDENDRATE/APYTERMSEFFECTIVE DATE
Money Market1.00%11.00%1$1,000 to $4,9992/1/2025
Money Market1.25%11.25%1>$5,000 to $24,9992/1/2025
Money Market1.50%11.50%1$25,000 to $74,9992/1/2025
Money Market1.75%11.75%1$75,000 to $199,9992/1/2025
Money Market2.00%12.00%1$200,00 and up2/1/2025

1 Minimum Balance of $2,000

ACCOUNTDIVIDENDRATE/APYTERMSEFFECTIVE DATE
Christmas Club Account0.25%10.25% 1$100 and Up Earn5/1/2025

1Min. Amount to earn dividends is $100.00

ACCOUNTDIVIDENDRATE*/APY**TERMSEFFECTIVE DATE
Star Savers0.20% 10.20% 1Youth (age 0-15 years)5/1/2025

1Min. Amount to earn dividends is $25.00. Ages 0-15 years only. Certain restrictions apply. See CU for full details.

ACCOUNTDIVIDENDRATE*/APY**TERMSEFFECTIVE DATE
Regular Savings0.20% 10.20% 1$100 and Up Earn5/1/2025

1Min. Amount to earn dividends is $100.00.

Rates