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Rates

Star USA Federal Credit Union  9/3/19
▫Loan RatesFirst in your community!Visit us at www.star.coop
Loan TypeRequirementsMaximum TermAnnual Rate
Visa Classic/GoldNo Annual Fee27
Share Secured2.5% over share secured rate
New Vehicles100% MSRP
* Subtract 0.10% for ACH or Payroll Deduction48As low as 3.20%**
year of vehicle, equity in vehicle and mileage of vehicle66As low as 3.45%**
72As low as 4.05%**
84As low as 5.40%**
New RV's100% of Sticker
* Subtract 0.10% for ACH or Payroll Deduction48As low as 4.50%**
** Rates may vary based on credit qualifications, term of loan, 60As low as 4.90%**
year of vehicle, equity in vehicle and mileage of vehicle61-84As low as 5.30%**
$25K+ 120As low as 5.50%**
$25K+ 180As low as 6.00%**
Used Vehicles100% NADA value
(Auto or Truck)2011-201848As low as 3.40%**
* Subtract 0.10% for ACH or60As low as 3.60%**
payroll deduction66As low as 3.95%**
72As low as 4.40%**
**Rates/Term/Loan Amount
may vary based on credit2010 and older48As low as 5.25%**
qualifications, year of vehicle,60As low as 6.95%
equity in vehicle and mileage
of vehicle
Used RV's80% of NADA value
* Subtract 0.10% for ACH or60As low as 5.30%**
payroll deduction$20,000 or greater84As 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 Loan60As low as 9.95%**
(Based on years of service and credit qualifications up to $12,000 maximum)
Specialty (Vacation/Christmas, etc)12As low as 6.95%**
***Rate based on credit qualifications
New and Used Farm EquipmentNew up to 605.20%
Used up to 487.00%
▫All rates subject to change
Star USA Federal Credit Union   
*Savings Rates*Effective November 4, 2019
* All rates subject to change.
Share TypeAPY**
Regular Shares0.05%
Super Shares0.10%
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" CD3.99%
1 Year*1.25%
2 Year*1.45%
3 Year*1.55%
3 Year* "Rate Assurance" CD1.70%
5 Year*1.95%
IRA & Roth IRA Share0.20%
Health Savings Accounts0.20%
IRA/Roth/Education 1 yr CD1.49%
IRA/Roth/Education 2 yr CD1.70%
IRA/Roth/Education 3 yr CD2.25%
IRA/Roth/Education 5 yr CD2.50%
Coverdell ESA0.20%
Holiday Club0.10%
Vacation Club0.10%
Business Draft0.15%
**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 detailsWWW.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
RATEAPY
Share0.05%0.05%
Super Share0.10%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” CD3.92%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” CD1.69%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 Share0.20%0.20%
Health Savings Accounts0.20%0.20%
IRA/Roth/Coverdell ESA 1 yr. Certificate1.48%1.49%
IRA/Roth/Coverdell ESA 2 yr. Certificate1.69%1.70%
IRA/Roth/Coverdell ESA 3 yr. Certificate2.23%2.25%
IRA/Roth/Coverdell ESA 5 yr. Certificate2.47%2.50%
Coverdell ESA0.20%0.20%
Vacation Club0.10%0.10%
Holiday Club0.10%0.10%
Share Draft/Checking0.00%0.00%
Business Draft0.15%0.15%