Secure the Financing You Need

Obtaining a personal loan from Star of Texas Credit Union is a great way to consolidate debt, make home improvements, or cover unexpected expenses. We offer competitive rates and fixed monthly payments. We Lend to ITIN! No origination or prepayment fees. Applying is quick and easy!

We Lend to ITIN

No social security number? No problem! Star of Texas is uniquely focused on meeting the lending needs of ALL members, including providing specialized ITIN lending opportunities to help meet your lifestyle needs.

Automatic Transfers

-Make loan payments or have funds transferred to or from your checking account automatically
-Automatic loan payments may qualify you for rate discounts.
-Avoid hassle of mailing and traffic.

Personal Loan

Need cash for a personal reason? We offer loans for almost any need with a fixed interest rate.

  • Loan consolidation, home improvements, vacation or emergencies
  • No collateral required for unsecured personal loans​
  • We Lend to ITIN! No social, no problem!
  • Loans from $1,000 to $10,​​​​​000
  • Rates as low as 11.9% APR*
  • Terms up to 24 months
  • No prepayment penalties. Pay early and save on interest.
  • Loan approval and APR based on payment method, creditworthiness and ability to repay.
  • Credit Insurance Life and Disability: Protect yourself and your family from the burden of debt in case of an unexpected life event.
Signature Loans11.90%***
Personal Loans11.90%***

*Rates as low as

**Subject to Credit Approval

Shared & Certificate Loans

These loans are the perfect way to build or rebuild your credit. Money can be pledged from any Star of Texas Credit Union share savings account or certificate of deposit* to secure the loan. Secured loans have a lower interest rate and are more flexible in terms.

  • Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.
  • Fixed rate 3% above your savings or CD dividend rate.
  • Share-Secured MASTERCARD credit card is also available.

Emergency Loans

Are you behind on some of your bills or have an emergency need? Star of Texas Credit Union is here to help you avoid going to pay day lenders who will charge you high interest rates and fees.

• A good standing member of Star of Texas Credit Union for a minimum of 2 years.
• Direct deposit and automatic payment from a saving or checking account.
• Maximum amount of $1,000 with a term of 12 months.
• Copy of bill required; check will be payable to the billing company.
• Limit of one Emergency loan a year.

Credit Cards

Rates as low as 9.90% APR*

  • No annual fees
  • No rate changes for cash advances
  • No cash advance fees
  • No late payment interest rate hikes
  • No balance transfer fees
  • Fixed rate for the life of the card

Secured MasterCard

A secured MasterCard is a great way to start building credit for younger members, but it is also a great way to repair your credit. The secured MasterCard can be secured with funds from a share account or a CD. These funds determine the credit limit and are held as collateral against the credit limit of the card. Our Secured MasterCard has a fixed rate of 9.9% *APR.

*APR=Annual Percentage Rate. Rates are subject to change without notice. Eligibility for lowest rate is subject

Lost/Stolen Visa Debit Card

If your debit card is lost or stolen report it to the Credit Union and VISA (1-800-472-3272).

Lost/Stolen Mastercard Credit Card

To report your lost or stolen Mastercard credit card please contact World Pay at 1-800-442-4757.

If you have any questions please call the Credit Union at (512) 458-8253.