Regular Savings, Checking, & Shares

Savings0.15% 10.15% / 0.15%1$100 and up to earn
Intelligent Checking™0.06% 10.06% / 0.06% 1$100 and up to earn
Club/Christmas/Promotional0.15% 10.15% / 0.15% 1Up to $5,000
Star Savers0.15% 20.15% / 0.15% 2Youth (age 0-15 yrs)
Money MarketEarn 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%
IRA0.30% 30.30% 30.30% 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

MONEY MARKET0.50% 30.50% 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

MONEY MARKET0.30% 30.30% 3$1,000 & Up to Earn*
Effective Date: November 11, 2022

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


Share Certificate Rates

TermAmounts of $1,000 - $49,999.99 Amounts of $50,000 - $99,999.99 JUMBO RATE/APY
Amounts of $100,000 +
3 Month0.80% / 0.80%0.90% /0.90%1.00% / 1.00%
6 Month1.49% / 1.50%1.59% / 1.60% 1.74% / 1.75%
9 Month2.85% / 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 Month3.20% / 3.25% 3.20% / 3.25%3.35% / 3.40%
48 Month3.20% / 3.25%3.20% / 3.25%3.35% / 3.40%
60 Month3.35% / 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.


Annual Percentage Rate (APR) Based on Your Credit

TYPEAPR (Annual Percentage Rate)TERMS
New, Used, & Refinanced Vehiclesas low as 4.99%6Subject to credit approval
Signature/Personal Loansas low as 11.90%Subject to credit approval.
Residential Mortgage6.50% APRCall for terms
Residential Lot/Land7.00% APRCall for terms
Investment Properties7.75% APRCall for terms
Christmas/Promoas low as 11.90%Subject to credit approval
Credit Cardsas 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.

Platinum Mastercard9.90%
Mastercard Gold12.50%
Classic Mastercard13.90%
Effective June 1st, 2021 SOTCU Mastercard®

Account Fees

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

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

Payment Return (ACH or Check)$27.50 Per Instance

Other Fees

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

 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

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.