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 | |||
| MORTGAGE TYPE | REOUIREMENTS | MAXIMUM TERM | ANNUAL RATE | |
| Mortgage {First/Refinance or purchase) | 80%max | 120 | 4.10% | |
| 180 | Call for quote | |||
| 240 | Call for quote | |||
| 360 | Call for quote | |||
| Construction | 5.950% | |||
| 1/1 Adiustable Rate Mora:raire | 80% max | 360 | 3.65% | |
| 5/1 Adiustable Rate Morhraire | 90% max | 360 | 3.95% | |
| 5 Year Balloon | 80% max | 360 | 3.95% | |
| . | ||||
| These rates are for loans $30.000 and greater. | ||||
| Add 1.00% to rate for loans less than$30,000 | ||||
| Equity Line of Credit | 90% appraised value | 300 | 5.00% | |
| (Variable Rate) | ||||
| Second Fixed Rate Mortgage | 90% appraised value | 60 | as low as 4.25%** | |
| ($75,000 maximum) | 84 | as low as 4.60%** | ||
| **Rates/Term/Loan Amount may vary | 120 | as low as 5.25%** | ||
| based on credit qlualifications and equity | 180 | as low as 6.25%** | ||
| 100% appraised value | 12-84 months | as low as7.90%** | ||
| ($50.000 maximum) | ||||
| Unimproved Pronerty | 80% appraised value | 120 | 7.60% | |
| 180 | 8.1S% |
| Star USA Federal Credit Union | |||
|---|---|---|---|
| *Savings Rates | *Effective December 16, 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* | 0.15% | ||
| 6 Months* | 0.71% | ||
| 6 Month "Youth" CD | 3.99% | ||
| 1 Year* | 1.02% | ||
| 2 Year* | 1.15% | ||
| 3 Year* | 1.35% | ||
| 3 Year* "Rate Assurance" CD | 1.50% | ||
| 5 Year* | 1.55% | ||
| IRA & Roth IRA Share | 0.20% | ||
| Health Savings Accounts | 0.20% | ||
| IRA/Roth/Education 1 yr CD | 1.10% | ||
| IRA/Roth/Education 2 yr CD | 1.45% | ||
| IRA/Roth/Education 3 yr CD | 1.85% | ||
| IRA/Roth/Education 5 yr CD | 2.05% | ||
| 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 | December 16, 2019 | |
|---|---|---|
| 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* | 0.15% | 0.15% |
| 6 month CD* | 0.70% | 0.71% |
| 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* | 1.01% | 1.02% |
| 2 year CD* | 1.14% | 1.15% |
| 3 year CD* | 1.34% | 1.35% |
| 3 year “Rate Assurance” CD | 1.49% | 1.50% |
| ($25,000 minimum – one adjustment permitted during term & request must be in writing – cannot be pledged as collateral.) | ||
| 5 year CD* | 1.54% | 1.55% |
| *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 | 1.09% | 1.10% |
| IRA/Roth/Coverdell ESA 2 yr. Certificate | 1.44% | 1.45% |
| IRA/Roth/Coverdell ESA 3 yr. Certificate | 1.83% | 2.85% |
| IRA/Roth/Coverdell ESA 5 yr. Certificate | 2.23% | 2.25% |
| 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% |
