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Savings & Checking

SHARE DRAFT/CHECKING WITH VISA DEBIT & ATM ACCESS

Share Draft (the credit union version of a checking account) has no minimum balance and no monthly service fees. 

Our share draft account, also known as a checking account, has NO minimum balance requirement and NO monthly service fees. A Visa Debit Card is available with this account that may be used in ATMs and anywhere that accepts Visa.

To open a share draft/checking account, click here or complete the share draft agreement and debit card application/agreement. Proper identification is required.

SHARE/REGULAR SAVINGS

Share/Regular Savings is an interest-bearing account that works like a basic savings account that may receive a dividend.

A share (savings) account is our basic share account that may accrue a dividend. An initial deposit of $5.00 is required to open this account. By maintaining $5.00 in your share account, you are eligible for every product and service that we offer. 

To open a share account, please apply online here or complete the membership account card/agreement and return to us with your initial deposit. Proper identification is required.

SUPER-SHARE ACCOUNT 

Our super share account is similar to our traditional share account; however, it offers a larger divided by meeting the following criteria:

  • Requires a minimum balance of $1,500.00 or the account will be closed, and funds transferred to a traditional share account

  • Super share account is limited to three (3) free withdrawals per month. After three (3), a $5.00 fee will be assessed

To open a super share account, open an account online or complete the super share account agreement and return it to us with your deposit.

SHARE PLUS

Our share plus account is similar to a money market account. Share plus accounts earn a higher dividend rate if the following criteria is met:

  • Maintains a minimum balance of $2,500.00

  • Requires a 30 day written notice to withdrawal without a penalty

To open a share plus account, open your account online or complete the share plus account agreement and return with your deposit

VACATION CLUB

Our vacation club account is a savings account that you may withdrawal from twice a year, without a penalty, that earns a dividend. This account requires a minimum balance of $10.00. After two withdrawals per year, a penalty of $10.00 will be accessed per withdrawal. This account automatically renews annually unless you notify us in writing.

To open a vacation club account, get started here or complete the vacation club account agreement and return with your initial deposit.

SHARE CERTIFICATES

The Share Certificates are a savings program that is similar to Certificates of Deposit (CDs).

The certificates can have a 3-month, 6-month, 1-year, 2-year, 3-year, or 5-year term, each having a minimum deposit of $1,000.00. The dividends are accrued daily and posted monthly. You have the option of applying the dividends back to the principal or paying to your share account.

The certificate may be pledged as collateral security for a loan or loans from the credit union. Should you need to make a withdrawal from the certificate prior to maturity, you will be accessed a penalty of 180 days interest on the amount you withdraw. 

Once the Certificate is about to reach maturity, you will receive at least ten (10) days notice prior to maturity. The certificates will automatically renew for the same or like term upon maturity. A seven (7) day grace period is available after maturity. During this seven (7) day period, funds may be withdrawn from the maturing account without the assessment of an early withdrawal penalty. 

To open a Share Certificate, complete the Share Certificate Policy and Share Certificate Agreement and forward them to the credit union. You may either send a check, transfer from your regular account, or transfer from your Share Plus with NO penalty.

IRA CERTIFICATES

Our IRA certificates are available in multiple terms. A minimum of $2,000 is required to open and IRA certificate and a 180 day interest penalty is assessed for early withdrawal, and federal penalties may apply.

Our IRA certificates automatically renew at the same term and current rate unless notified in writing. We offer 1 year, 2 year, 3 year and 5 year certificate terms with quarterly statements provided.

For more information on our IRA certificate program, please contact a Member Service Representative at 304-357-2319.

Star USA Rewards Program

Take advantage of the rewards offered with this program.

  • Qualifying accounts earn Dividends of up to 3.5%!*

    *Paid on balances up to $50,000. Balances over $50,000 will earn a lower rate.

  • Earn more with this new Money Market Account.

  • Rate benefits on loan and certificate products.

To qualify, you must have:

  • A direct deposit or ACH deposit of at least $2,000 per month. This is an aggregate total of all direct deposits or ACH deposits during the month.

  • An active checking account with a Debit Card and at least 15 Debit Card transactions per month.

  • Utilize the online banking program and receive E-Statements.

  • A month end aggregate balance of $5,000. This total will be determined by combining the balances of the share account, the checking account, share plus accounts, money market account (other than type 46), and the super share account.

Contact Star USA for more information and enroll in the Star USA Rewards program today.

HOLIDAY CLUB

Our holiday club account is a savings account that earns a dividend. This account requires a minimum deposit of $10.00. Save your holiday funds in this account and on November 1st

of each year, the funds in the account will transfer over to your share or share draft account. There is a $10.00 penalty for each withdrawal before November 1st. This account automatically renews annually unless you notify us in writing.

To open a holiday club account, open online or complete the holiday club account agreement and return with your initial deposit.

Money Market Account

Club Level and Premium

We offer two types of money market accounts. Club level and premium level. Both accounts earn a higher dividend that traditional share/savings accounts based on certain criteria:

  • Club Level:

    • No minimum deposit required

    • Dividends are based ontiered deposits (see account agreement) •

    • Balances falling below $25k will be assessed a $9.95 monthly fee

    • Rates subject to change on a monthly basis

  • Premium Level:

    • Maintain $5,000 minimum balance in a club level money market o Maintain a five-star or silver star checking account

    • A max of three withdrawals per month ($10.00 fee assessed per occurrence over three)

    • Accounts failing to maintain a five-star or silver star account will be transferred to a regular share account

    • Rates are subject to change on a monthly basis

HOLIDAY CLUB

Our holiday club account is a savings account that earns a dividend. This account requires a minimum deposit of $10.00. Save your holiday funds in this account and on November 1st

of each year, the funds in the account will transfer over to your share or share draft account. There is a $10.00 penalty for each withdrawal before November 1st. This account automatically renews annually unless you notify us in writing.

To open a holiday club account, open online or complete the holiday club account agreement and return with your initial deposit.

Coinstar Partnership

Star USA has partnered with Coinstar to provide members with an easy, efficient way to turn your coins into cash.

Coinstar has kiosks throughout the country that will now offer Star USA members the opportunity to redeem your loose change to a deposit into your checking account. It’s simple and fast.

Visit coinstar.com for additional information or follow the link to discover where the Coinstar kiosks are located near you.

It’s coins to cash with Star USA and Coinstar.