RATES AND FEES

Regular Savings, Checking, & Shares

Open an Account Online

Effective Date: July 28, 2022

^{1 Min. Amount to earn dividends is $100.00}

^{2 Min. Amount to earn dividend is $25.00. Ages 0-15 years only. Certain restrictions apply. See CU for full details.} 

^{3 Min. Amount to earn dividends is $1,000.}

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Money Market

ACCOUNT	DIVIDEND RATE	APY (ANNUAL PERCENTAGE YIELD)	TERMS
MONEY MARKET	0.50% 3	0.50% 3	$1,000 to $4,999 = 0.20% $5,000 to $24,999 = 0.25% $25,000 to $74,999 = 0.35% $75,000 to $199,999 = 0.40% $200,00 and up= 0.50% 3

Effective Date: July  28, 2022

^{3 Min. Amount to earn dividends is $1,000.}

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IRA Savings

ACCOUNT	DIVDEND RATE	APY (ANNUAL PERCENTAGE YIELD)	TERMS
MONEY MARKET	0.30% 3	0.30% 3	$1,000 & Up to Earn*

Effective Date: July 28, 2022

^{3 Min. Amount to earn dividends is $1,000.}

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Share Certificate Rates

Term	Amounts of $1,000 - $49,999.99 (APY)	Amounts of $50,000 - $99,999.99 (APY)	JUMBO RATE/APY Amounts of $100,000 +
3 Month (Promotional)5	0.50%	0.60%	0.75%
6 Month	1.25%	1.35%	1.50%
9 Month (Promotional)5	1.75%	1.85%	2.00%
12 Month	2.00%	2.15%	2.50%
18 Month (Promotional)5	2.50%	2.65%	2.75%
24 Month	2.50%	2.65%	2.75%
36 Month	2.75%	2.85%	3.00%
48 Month	3.00%	3.00%	3.15%
60 Month	3.15%	3.15%	3.40%

^{4 Min. Amount to earn dividends is $1,000 unless otherwise stated under “Amount” row. Early withdrawal penalties apply if surrendered prior to term maturity.} 

^{5 Promotional Rates & Terms are limited-time only offerings. They are subject to change or expire with or without notice. Always check with the CU for most current terms and conditions.} 

Effective Date: July 28, 2022

Limited-time only. Subject to change or expire with or without notice. Check with credit union for most current terms & conditions: (512) 458-8253.

LOAN RATES

Annual Percentage Rate (APR) Based on Your Credit

TYPE	APR (Annual Percentage Rate)	TERMS
New, Used, & Refinanced Vehicles	as low as 3.00%6	Subject to credit approval
Signature/Personal Loans	as low as 11.90%	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
Christmas/Promo	as low as 11.90%	Subject to credit approval
Credit Cards	as low as 9.90%	Subject to credit approval

Apply for a Loan Online

All loans and rates are subject to credit approval and overall creditworthiness. 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. Subject to change at any time with or without prior notice.

Loyal Star Member Discount!

Get an additional .25% APR discount on an Auto or Residential Loan when you open a new Checking account with at least a $50 deposit OR maintain an existing Checking Account in good standing with the credit union. The Checking account must be setup for automatic loan payments via ACH or Transfer. Certain exclusions apply. See terms and conditions below.*

*New members–must be eligible for membership to qualify. Current membership accounts must be in good standing with CU to qualify for promotion. Must have ACH from another financial institution setup for monthly loan payments or automatic internal transfer.

⁵As low as” advertised rates are based on credit score and term. Actual rates and terms are based on overall creditworthiness and subject to approval

⁶Does not include 0.25% “Loyal Star Member Discount” on loan rate. Please refer to loan department for details on promotion. 

*APY= Annual Percentage Yield

**APR=Annual Percentage Rate

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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

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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

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Loan Fees

Type	Charge
Payment Return (ACH or Check)	$27.50 Per Instance

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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

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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

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Share Value

Type	Charge
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.