Rates

Star USA Federal Credit Union			9/3/19
▫Loan Rates	First in your community!		Visit us at www.star.coop
Loan Type	Requirements	Maximum Term	Annual Rate
Visa Classic/Gold	No Annual Fee	27
Share Secured			2.5% over share secured rate


New Vehicles	100% MSRP
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 3.20%**
year of vehicle, equity in vehicle and mileage of vehicle		66	As low as 3.45%**
		72	As low as 4.05%**
		84	As low as 5.40%**

New RV's	100% of Sticker
* Subtract 0.10% for ACH or Payroll Deduction		48	As low as 4.50%**
** Rates may vary based on credit qualifications, term of loan,		60	As low as 4.90%**
year of vehicle, equity in vehicle and mileage of vehicle		61-84	As low as 5.30%**
		$25K+ 120	As low as 5.50%**
		$25K+ 180	As low as 6.00%**

Used Vehicles	100% NADA value
(Auto or Truck)	2011-2018	48	As low as 3.40%**
* Subtract 0.10% for ACH or		60	As low as 3.60%**
payroll deduction		66	As low as 3.95%**
		72	As low as 4.40%**
**Rates/Term/Loan Amount
may vary based on credit	2010 and older	48	As low as 5.25%**
qualifications, year of vehicle,		60	As low as 6.95%
equity in vehicle and mileage
of vehicle


Used RV's	80% of NADA value
* Subtract 0.10% for ACH or		60	As low as 5.30%**
payroll deduction	$20,000 or greater	84	As low as 5.60%**
**Rates may vary based on
credit qualifications, term of
loan, year of vehicle, equity in
vehicle and mileage of vehicle

Unsecured Loan		60	As low as 9.95%**
(Based on years of service and credit qualifications up to $12,000 maximum)

Specialty (Vacation/Christmas, etc)		12	As low as 6.95%**
***Rate based on credit qualifications

New and Used Farm Equipment		New up to 60	5.20%
		Used up to 48	7.00%
			▫All rates subject to change

Star USA Federal Credit Union
*Savings Rates		*Effective November 4, 2019
* All rates subject to change.
Share Type	APY**

Regular Shares	0.05%
Super Shares	0.10%
Share Plus ($2,500 - $50,000)	0.25%
Share Plus (greater than $50,000)	0.30%
All Club and Premium Money Markets must have a 5 Star or Silver Star Checking
Club Level Money Market ($5,000 - $49,999) **	0.15%
Club Level Money Market ($50,000 +) **	0.40%
Premium Money Market ($0-25,000.00) **	0.25%
Premium Money Market ($25,001 - $100,000) **	0.75%
Premium Money Market ($100,001+) **	1.35%
Share Certificates
Any Silver Star 55+ or 5 Star Member
Can add 0.15% to any new Certificate*
3 Months*	0.20%
6 Months*	0.85%
6 Month "Youth" CD	3.99%
1 Year*	1.25%
2 Year*	1.45%
3 Year*	1.55%
3 Year* "Rate Assurance" CD	1.70%
5 Year*	1.95%
IRA & Roth IRA Share	0.20%
Health Savings Accounts	0.20%
IRA/Roth/Education 1 yr CD	1.49%
IRA/Roth/Education 2 yr CD	1.70%
IRA/Roth/Education 3 yr CD	2.25%
IRA/Roth/Education 5 yr CD	2.50%
Coverdell ESA	0.20%
Holiday Club	0.10%
Vacation Club	0.10%
Business Draft	0.15%

**These rates reflect the Annual Percentage Yield and are presented for the member's information only.		VISIT US AT
Please contact the credit union for disclosures and account details		WWW.STAR.COOP

Effective as of: 08/15/2019


Returned Checks	$35.00
Wires
Wires – Outgoing	$25.00
Wires – Incoming	$15.00
International Wires – Outgoing	Not Available
International Wires – Incoming	$25.00
Money Orders	$2.50
Cashiers Check to Third Party	$5.00
Counter Checks	$2.00 per page
Verbal Telephone Transfer	$5.00
Excess Share Withdrawal Fee	$5.00 per withdrawal in excess of 4 per month(Transfers do not count as withdrawals.)
Stale Check Fee	$25.00 Outstanding Checks over 180 days, open account – void/redeposit
Returned Deposit Item	$35.00
*Overdraft Protection Transfer Fee	$7.00
Outgoing Faxes	$2.00
Telephone Balance Inquiry	$1.00
Account Printout	$1.00 per page
*Account Balancing Fee	$20.00 per hour
Inactive Savings Account Fee	$5.00 per month on account balances of $500 or less. No activity for 6 months.
Inactive Checking Account Fee	$5.00 per month on account balances of $300 or less. No activity for 6 months.
Share Draft Account Closure Fee	$35.00
Debit Card Replacement Fee	$10.00
ACH Insufficient Funds	$35.00
ACH Origination	$5.00
ACH Stop Payment	$30.00
Account Research	$50.00 per hour
Legal Process	$75.00 per IRS Levy, State Levy, Suggestion, Initial Garnishment
Overnight Fees UPS	market rate of carrier
Overnight Fees UPS Saturday	market rate of carrier
2nd Day Priority Mail Postal Service	market rate of carrier
Carfax history	$15.00 with auto loan – title check FREE
Star Online PC Access	FREE
Star Online PC Access/Bill Pmt	FREE
Bill Payment Fee Overdraft	$35.00
Draft Stop Payment Fee	$30.00 per item ($100.00 for complete book)
Courtesy Pay Fee (If service used)	$35.00 per item
Safe Deposit Box Fees	$25.00 5×5 $27.00 3×10 $35.00 5×10 $55.00 10×10
Safe Deposity Box Replacement Key	$35.00
Safe Deposit Box Re-drilled	$125.00
Safe Deposit Box Lock Change	$100.00
Bad Address/Undeliverable Mail	$5.00 per month
Non-Member Notary	$5.00
Account Verification Fee	$25.00 (Requests for written verification of account information from other institutions or agencies
Share Draft Check Copies	$5.00 per check after five
Statement Copy	$1.00 per page
Check Cashing fees	$3.50 with Share Draft and no matching funds **$5.00 with share and not matching funds.
Non-member check cashing fee	$25.00 Must be US Treasury or Certified Payroll Check to cash**
Non-member on-us check cashing fee	$5.00
Check-by-phone	$20.00 per call
Paper Statement Fee	$1.00 per statement
Debit Card Pull/Rush Fee	$55.00
Debit/Credit By Phone	$20.00
Check-by-phone	$20.00 per call
Mobile Deposit Item Return	$35.00
IRA Account Transfer Fee	$50.00 to another institution
*Loan, Share, and Share Draft fees are covered in their appropriate policies.
*All fees may be changed at the President’s discretion

APY “Cheat” Sheet		4-Nov-19


	RATE	APY
Share	0.05%	0.05%
Super Share	0.10%	0.10%
Share Plus ($2,500-$50,000)	0.25%	0.25%
Share Plus (Greater than $50,000)	0.30%	0.30%
Club Level Money Mrkt ($5,000-$49,999)	0.15%	0.15%
Club Level Money Mrkt ($50,000+)	0.40%	0.40%
Silver Star or 5 Star Members. Type 41; others Type 42. (Open to all members)
Premium Money Market ($0 - $25,000)	0.25%	0.25%
Premium Money Mrkt ($25,001 - $100,000)	0.75%	0.75%
Premium Money Mrkt ($100,001+)	1.34%	1.35%
Premium-Type 44 – Silver Star & Five Star
Type 45 – New Money (Note: Exceptions to keep deposits.)
All Club and Premium Money Markets must have a 5 Star or Silver Star Checking

3 month CD*	0.20%	0.20%
6 month CD*	0.85%	0.85%
6 month “Youth” CD	3.92%	3.99%
($500 minimum - $2,500 maximum – 17yrs or younger – one youth CD per primary member)
1 year CD*	1.24%	1.25%
2 year CD*	1.44%	1.45%
3 year CD*	1.54%	1.55%
3 year “Rate Assurance” CD	1.69%	1.70%
($25,000 minimum – one adjustment permitted during term & request must be in writing – cannot be pledged as collateral.)
5 year CD*	1.93%	1.95%
*Any Silver Star 55+ or 5 Star Member can add 0.15% to any new Certificate.

IRA/Roth IRA Share	0.20%	0.20%
Health Savings Accounts	0.20%	0.20%
IRA/Roth/Coverdell ESA 1 yr. Certificate	1.48%	1.49%
IRA/Roth/Coverdell ESA 2 yr. Certificate	1.69%	1.70%
IRA/Roth/Coverdell ESA 3 yr. Certificate	2.23%	2.25%
IRA/Roth/Coverdell ESA 5 yr. Certificate	2.47%	2.50%
Coverdell ESA	0.20%	0.20%

Vacation Club	0.10%	0.10%
Holiday Club	0.10%	0.10%

Share Draft/Checking	0.00%	0.00%
Business Draft	0.15%	0.15%