RATES AND FEES
Regular Savings, Checking, & Shares
| ACCOUNT | DIVIDEND | RATE*/ APY** | TERMS |
|---|---|---|---|
| Savings | 0.15% 1 | 0.15% / 0.15%1 | $100 and up to earn |
| Intelligent Checking™ | 0.06% 1 | 0.06% / 0.06% 1 | $100 and up to earn |
| Club/Christmas/Promotional | 0.15% 1 | 0.15% / 0.15% 1 | Up to $5,000 |
| Star Savers | 0.15% 2 | 0.15% / 0.15% 2 | Youth (age 0-15 yrs) |
| Money Market | Earn up to 0.50%* | 0.50% * 3 | $1,000 to $4,999 = 0.20% / 0.20% $5,000 to $24,999 = 0.25% / 0.25% $25,000 to $74,999 = 0.35% / 0.35% $75,000 to $199,999 = 0.40% / 0.40% $200,00 and up= 0.50% / 0.50% |
| IRA | 0.30% 3 | 0.30% 3 | 0.30% 3 |
Effective Date: November 10, 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.
Money Market
| ACCOUNT | DIVIDEND RATE | APY (ANNUAL PERCENTAGE YIELD) | TERMS: RATE* / APY** |
|---|---|---|---|
| MONEY MARKET | 0.50% 3 | 0.50% 3 | $1,000 to $4,999 = 0.20% / 20% $5,000 to $24,999 = 0.25% / 0.25% $25,000 to $74,999 = 0.35% / 0.35% $75,000 to $199,999 = 0.40% / 0.40% $200,00 and up= 0.50% / 0.50% |
Effective Date: November 11, 2022
3 Min. Amount to earn dividends is $1,000.
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: November 11, 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 | Amounts of $50,000 - $99,999.99 | JUMBO RATE/APY Amounts of $100,000 + |
|---|---|---|---|
| (RATE*/APY**) | (RATE*/APY**) | (RATE*/APY**) | |
| 3 Month | 0.80% / 0.80% | 0.90% /0.90% | 1.00% / 1.00% |
| 6 Month | 1.49% / 1.50% | 1.59% / 1.60% | 1.74% / 1.75% |
| 9 Month | 2.85% / 2.89% | 2.95%/ 2.99% | 3.05% / 3.09% |
| 12 Month (Promotional)5 | 4.17% / 4.25% | 4.17% / 4.25% | 4.27% / 4.35% |
| 18 Month (Promotional)5 | 4.31% / 4.40% | 4.31% / 4.40% | 4.41% / 4.50% |
| 24 Month (Promotional)5 | 4.51% / 4.60% | 4.51% / 4.60% | 4.65% / 4.75% |
| 36 Month | 3.20% / 3.25% | 3.20% / 3.25% | 3.35% / 3.40% |
| 48 Month | 3.20% / 3.25% | 3.20% / 3.25% | 3.35% / 3.40% |
| 60 Month | 3.35% / 3.40% | 3.35% / 3.40% | 3.59% / 3.65% |
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: November 11, 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 4.99%6 | Subject to credit approval |
| Signature/Personal Loans | as low as 11.90% | Subject to credit approval. |
| Residential Mortgage | 6.50% APR | Call for terms |
| Residential Lot/Land | 7.00% APR | Call for terms |
| Investment Properties | 7.75% APR | 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 |
Rates effective February 15, 2022
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!
| Receive an additional 0.25% APR* discount on an Auto or Residential Loan when you open a new Checking Account with at least a $50 deposit and maintain an existing Checking Account that includes automatic loan payments via ACH or Auto Transfer. Certain exclusions apply.See terms & conditions below. |
- New members–must be eligible for membership to qualify.
- Current Members: All 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.
- May not be combined with other loan discounts
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
†Floor rate is 4.99% APR. Lowest rate may not fall below this amount. Floor LTV for higher risk scores is stated on most current Rate Chart. Starting LTV must be at 100% (or stated threshold rate according Rate Chart) and based on Invoice (New Vehicles) and NADA Clean Trade (Used Vehicles). Starting LTV should not include any GAP, Warranty, or ancillary loan products. May not be combined with other loan discounts.
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 |