Looking for a loan? View our current
LOAN RATES
| TYPE | APR (Annual Percentage Rate) | TERMS |
|---|---|---|
| New Auto Only | as low as 4.50% 1 | Subject to credit approval1 |
| Used & Refinanced Vehicles | as low as 5.50% | Subject to credit approval |
Rates effective as of 2/1/2025
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.
| TYPE | APR | TERMS |
|---|---|---|
| Signature Loans | 11.90%* | ** |
| Personal Loans | 11.90%* | ** |
Rates effective as of 9/26/2024
Call credit union for most current rates. Subject to change with or without notice.
| TYPE | APR (Annual Percentage Rate) | TERMS |
|---|---|---|
| Residential Mortgage ARM | 5.50% APR | Call for Terms |
| Residential Lot/Land ARM | 6.00% APR | Call for Terms |
| Investment Properties ARM | 7.00% APR | Call for Terms |
| Home Equity Loans | 5.75% APR | Call for Terms |
Rates effective as of 9/26/2024
Call credit union for most current rates. Subject to change with or without notice.
| Card | Rate |
|---|---|
| Mastercard | 12.5% to 17.99% |
Rates effective as of 2/18/2025
Call credit union for most current rates. Subject to change with or without notice.
EARN MORE WITH STAR OF TEXAS CREDIT UNION
SAVINGS & INVESTMENTS RATES
| TERM | Amounts of $1,000 - $49,999.99 | Amounts of $50,000 - $99,999.99 | APY Amounts of $100,000 + |
|---|---|---|---|
| APY** | APY** | APY** | |
| 3 Month | 0.90% | 1.00% | 1.10% |
| 6 Month | 3.95% | 4.10% | 4.20% |
| 9 Month | 3.95% | 4.10% | 4.20% |
| 12 Month | 4.20% | 4.20% | 4.20% |
| 18 Month | 4.20% | 4.20% | 4.20% |
| 24 Month | 3.85% | 3.85% | 3.85% |
| 36 Month | 3.75% | 3.75% | 3.75% |
| 48 Month | 3.60% | 3.60% | 3.60% |
| 60 month | 3.60% | 3.60% | 3.60% |
Rates effective as of 2/1/2025
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.
| ACCOUNT | DIVIDEND | RATE*/APY** | TERMS |
|---|---|---|---|
| IRA | 0.40% 3 | 0.40% 3 | $1,000 and Up Earn |
Rates updated on 2/1/2025
| ACCOUNT | DIVIDEND | RATE*/APY** | TERMS |
|---|---|---|---|
| Money Market | 1.00%3 | 1.00%3 | $1,000 to $4,999 |
| Money Market | 1.25%3 | 1.25%3 | $5,000 to $24,999 |
| Money Market | 1.50%3 | 1.50%3 | $25,000 to $74,999 |
| Money Market | 1.75%3 | 1.75%3 | $75,000 to $199,999 |
| Money Market | 2.00%3 | 2.00%3 | $200,00 and up |
Rates updated on 2/1/2025
| ACCOUNT | DIVIDEND | RATE*/APY** | TERMS |
|---|---|---|---|
| Christmas Club | 0.25% 1 | 0.25% 1 | Up to $5000 |
Rates updated on 2/1/2025