RATES AND FEES
| Account Type | Balance | Rate | APY |
|---|---|---|---|
| Savings | $100 and more | 0.05% | 0.05% |
| Christmas Club | up to $5,000 | 0.05% | 0.05% |
Open an Account Online
Effective Date: January 18, 2022
Money Market
Call Star of Texas Credit Union for Rates at 1-800-258-3228
Effective Date: January 18, 2022
IRA Money Market
Call Star of Texas Credit Union for Rates at 1-800-258-3228
Effective Date: January 18, 2022
New Auto Loan Rates
Annual Percentage Rate (APR) Based on Your Credit
| Term | 720+ | 680-719 | 640-679 | 600-639 | 560-599 | 559-Below |
|---|---|---|---|---|---|---|
| 1 to 48 months | 3.80% | 4.00% | 4.40% | 8.50% | 12.49% | 16.74% |
| 49 to 66 months | 3.99% | 4.55% | 5.15% | 9.10% | 14.99% | 16.99% |
| 67 to 84 months | 4.99% | 5.50% | 7.55% | 11.00% | N/A | N/A |
Apply for a Loan Online
.50% rate discount for direct deposit and automatic transfer payment.
Up to 115% financing of NADA Invoice including tax, title and license. The 115% may be increased if Warranty and GAP insurance are purchased at SOTCU.
Used Auto Loan Rates
Annual Percentage Rate (APR) Based on Your Credit
| Term | 720+ | 680-719 | 640-679 | 600-639 | 560-99 | 559-Below |
|---|---|---|---|---|---|---|
| 1 to 48 months | 3.99% | 4.25% | 4.90% | 9.00% | 15.49% | 17.49% |
| 49 to 66 months | 4.25% | 4.75% | 5.50% | 9.60% | 15.99% | 17.99% |
| 67 to 84 months | 5.50% | 5.99% | 7.65% | 11.75% | N/A | N/A |
Apply for a Loan Online
.50% rate discount for direct deposit and automatic transfer payment.
Up to 115% financing of NADA Clean Trade including tax, title and license. The 115% may be increased if Warranty and GAP insurance are purchased at SOTCU.
Note: Will consider vehicles not older than 2010.
Loan example: $1,000 at 3.99% with terms of 36 months equate to $22.53 principal and interest payments.
Signature Loans
| Term | Loan Amount | APR |
|---|---|---|
| Up to 24 months | $1,000 - $5,000 | As low as 9.90% |
Apply for a Loan Online
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 |