“Shine Bright” $100 Joining Bonus

Join the Star of Texas Credit Union family and let your financial future shine bright!

We’re excited to offer new members a $100 cash bonus¹ when they open a qualifying new membership account and meet a few simple requirements. It’s our way of welcoming you to the “brighter side” of banking!

How to Qualify

1. Open a New Account- Become a new member by opening a qualifying savings account. On your application, Respond with 100BONUS on the question “How did you hear about us?``
2. Direct Deposit- Setup and receive a direct deposit of at least $500 within the first (60) days of account opening.
3. Debit Card Usage- Make at least (10) debit card purchases within the first (60) days of account opening.
4. Enroll in eStatements-Sing up for eStatements within the first (60) days of account opening.

OPEN AN ACCOUNT

Steps to Earn Your $100 Bonus

1. Join Us: Visit any Star of Texas Credit Union branch or apply online.
2. Get $25 to Start! At the time of joining, you will receive a $10 Savings deposit to activate your Membership Account + $15 to your Checking
3. Set Up Direct Deposit: Have your paycheck, pension, or government benefits directly deposited into your new account
4. Use Your Debit Card: Make at least (10) purchases with your new Star of Texas Credit Union debit card.
5. Go Paperless: Enroll in eStatements to keep your account information secure and reduce paper waste.

Why Star of Texas Credit Union?

1. Co-Op Shared Branching- Access to over 5600 branches nationwide.
2. Alliance of Austin Credit Unions -A cooperative program allowing members to access ATMs without additional service fees or charges.
3. We Lend to ITIN: No social security number? No problem! We specialize in ITIN lending giving everyone access to checking, savings, loans, and mortgages.
4. Mobile Banking- Easy account access anytime, anywhere!
5. Rewards Checking- Earn interest on your checking account monthly!
6. BiLingual Support- We offer bilingual services to better serve all members
7. We are a CDFI Credit Union- A mission-driven financial institution that is dedicated to providing financial services to meet the needs of economically disadvantaged individuals within underserved communities.

4 Star Rewards Checking

Reward Yourself with a 4 Star Checking Account!

-Earn 4.00% APY* on balances $0.01 to $15,000 1
-No minimum checking balance or monthly service fee
-Mobile Card Manager for your debit card
-Unlimited check writing
-Nationwide Access to Shared Branching

How to Earn High Yield Rewards 1

-$500 in qualifying deposits into your rewards checking account
-10 or more qualifying SOTCU rewards debit or credit card transactions
-Other Membership Benefits Include

Terms and Conditions:

This offer is available to new members only.
Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits.
Debit card transactions must be purchases; ATM withdrawals and transfers do not count.
The $25 will be credited to your account after successful activation and eligibility of membership account. The remaining $75 bonus will be credited to your account within (30) days after completing all required activities.
The account must remain open and in good standing for at least (90) days to receive the bonus.
Limit one bonus per new member and per account.
The offer is subject to change and may be discontinued at any time without notice.
Star of Texas Credit Union employees and their immediate families are not eligible for this promotion.

- Terms & Conditions on 4-Star Checking:

*APY=Annual Percentage Yield. Earn up to 4.00% APY on balances from $0.01 to $15,000.00. On amounts of $15,000.01 and greater, the posted Checking account rate applies. Earning dividends on a Star of Texas Credit Union “4-Star” high-yield checking account requires: 1. A minimum of $500.00 in monthly deposits to the account, and 2. You must have (10) ten or more debit card transactions on account per month. “Per month” is based on the calendar month period. There are no monthly service fees on this account regardless, even if the account does not meet minimum “qualified dividend status.” If the account does not meet minimum earning requirements, dividends are forfeited but no monthly service fee is incurred. You can track your “Qualified Dividend Status” monthly via our Star of Texas Credit Union – Mobile App (available for free download via the Apple or Google Play Store). Please note: This account does not include check writing privileges and does not come with any checks. Earning potential and “qualified dividend status” resets on the first calendar day of each month. Dividends are posted on the last calendar day of the month and are based on the average monthly balance. Monthly deposits can consist of cash, checks, and/or mobile deposits. Account and membership must remain in “good standing” to qualify for and maintain a “4-Star” Rewards Account. Accounts subject to approval. Offer may be revoked or changed with or without notice based on any adverse activity, such as account fraud, etc. either directly or on any associated Joint accounts. Standard account fees still apply as disclosed in our most current Fee Schedule. Fees could reduce earnings. APY is effective as of 10/24/2023. Overall program, rewards, terms, and conditions subject to change without notice. Accounts are variable rate accounts and rates are subject to change at any time without notice. Speak to a credit union representative for complete details.