RATES AND FEES

Account TypeBalanceRateAPY
Savings$100 and more0.001%0.001%
Christmas Clubup to $5,0000.025%0.025%
Effective Date: March 1, 2020

Money Market

BalanceRateAPY
$1,000 - $9,9990.001%0.001%
$10,000 - $49,9990.0025%0.0025%
$50,000 and above0.003%0.003%
Effective Date: March 1, 2020

IRA Money Market

BalanceRateAPY
$1,000 - $9,9990.001%0.001%
$10,000 - $49,9990.0025%0.0025%
$50,000 and above0.003%0.003%
Effective Date: March 1, 2020

New Auto Loan Rates

Annual Percentage Rate (APR) Based on Your Credit

Term720+680-719640-679600-639560-599559-Below
1 to 48 months2.80%3.00%3.40%7.50%13.49%15.74%
49 to 66 months2.99%3.55%4.15%8.10%13.99%15.99%
67 to 84 months3.99%4.50%6.55%10.00%N/AN/A
.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

Term720+680-719640-679600-639560-99559-Below
1 to 48 months2.99%3.25%3.90%8.00%14.49%16.49%
49 to 66 months3.25%3.75%4.50%8.60%14.99%16.99%
67 to 84 months4.50%4.99%6.65%10.75%N/AN/A
.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

TermLoan AmountAPR
Up to 24 months$1,000 - $5,000As low as 9.90%

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.

CardRate
Platinum Mastercard0.099%
Mastercard Gold0.125%
Classic Mastercard0.139%
APPLY TODAY
MANAGE YOUR ACCOUNT
Effective January 31, 2020 SOTCU Mastercard®

Account Fees

TypeCharge
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

TypeCharge
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

TypeCharge
Payment Return (ACH or Check)$27.50 Per Instance

Other Fees

TypeCharge
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 ProcessActual 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

TypeCharge
 Key Deposit $25.00 Per Box
Deposit Refunded if all keys returned when box is closed
 DrillingVaries (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

TypeCharge
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.