Rates
Star USA Federal Credit Union | 3/16/20 | ||
---|---|---|---|
▫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 2.95%** | |
year of vehicle, equity in vehicle and mileage of vehicle | 66 | As low as 3.20%** | |
72 | As low as 3.70%** | ||
84 | As low as 5.30%** | ||
New RV's | 100% of Sticker | ||
* Subtract 0.10% for ACH or Payroll Deduction | 48 | As low as 4.40%** | |
** Rates may vary based on credit qualifications, term of loan, | 60 | As low as 4.80%** | |
year of vehicle, equity in vehicle and mileage of vehicle | 61-84 | As low as 5.20%** | |
$25K+ 120 | As low as 5.40%** | ||
$25K+ 180 | As low as 5.90%** | ||
Used Vehicles | 100% NADA value | ||
(Auto or Truck) | 2012-2019 | 48 | As low as 3.15%** |
* Subtract 0.10% for ACH or | 60 | As low as 3.50%** | |
payroll deduction | 66 | As low as 3.70%** | |
72 | As low as 4.25%** | ||
**Rates/Term/Loan Amount | |||
may vary based on credit | 2011 and older | 48 | As low as 5.10%** |
qualifications, year of vehicle, | 60 | As low as 6.80% | |
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 | 3/2/20 | |||
---|---|---|---|---|
*Mortgage Rates | Visit us at www.star.coop | |||
*All rates subject to change | ||||
MORTGAGE | ||||
TYPE | REQUIREMENTS | MAXIMUM TERM | ANNUAL RATE | |
Mortgage (First/Refinance or purchase) | 80% max | 180 | Call for Quote | |
240 | Call for Quote | |||
360 | Call for Quote | |||
Construction | 5.45% | |||
1/1 Adjustable Rate Mortgage | 80% max | 360 | 3.65% | |
5/1 Adjustable Rate Mortgage | 90% max | 360 | 3.95% | |
5 Year Balloon | 80% max | 360 | 3.50% | |
*These rates are for loans $30,000 and greater. | ||||
Add 1.00% to rate for loans less than $30,000 | ||||
Equity Line of Credit | 80% appraised value | 300 | 4.50% | |
(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 4.99% ** | ||
based on credit qualifications and equity | 180 | as low as 5.75% ** | ||
Unimproved Property | 80% appraised value | 120 | 5.95% | |
180 | 6.95% |
Star USA Federal Credit Union | ||||||||
---|---|---|---|---|---|---|---|---|
*Savings Rates | *Effective May 5, 2020 | |||||||
* All rates subject to change. | ||||||||
Share Type | APY** | |||||||
Regular Shares | 0.00% | |||||||
Super Shares | 0.05% | |||||||
Share Plus ($2,500 - $50,000) | 0.10% | |||||||
Share Plus (greater than $50,000) | 0.20% | |||||||
**All Club and Premium Money Markets must have a 5 Star or Silver Star Checking** | ||||||||
Club Level Money Market ($5,000 - $49,999) ** | 0.10% | |||||||
Club Level Money Market ($50,000 +) ** | 0.15% | |||||||
Premium Money Market ($0-25,000.00) ** | 0.05% | |||||||
Premium Money Market ($25,001 - $100,000) ** | 0.10% | |||||||
Premium Money Market ($100,001+) ** | 0.15% | |||||||
Share Certificates | ||||||||
Any Silver Star 55+ or 5 Star Member | ||||||||
Can add 0.15% to any new Certificate with a 2-year term or higher or 0.05% for all others.* | ||||||||
3 Months* | 0.05% | |||||||
6 Months* | 0.15% | |||||||
1 Year* | 0.22% | |||||||
2 Year* | 0.38% | |||||||
3 Year* | 0.49% | |||||||
5 Year* | 0.70% | |||||||
IRA & Roth IRA Share | 0.10% | |||||||
Health Savings Accounts | 0.10% | |||||||
IRA/Roth/Education 1 yr CD | 0.50% | |||||||
IRA/Roth/Education 2 yr CD | 0.70% | |||||||
IRA/Roth/Education 3 yr CD | 0.80% | |||||||
IRA/Roth/Education 5 yr CD | 0.90% | |||||||
Coverdell ESA | 0.20% | |||||||
Holiday Club | 0.05% | |||||||
Vacation Club | 0.05% | |||||||
Business Draft | 0.05% | |||||||
**These rates reflect the Annual Percentage Yield and are presented for the member's information only. | ||||||||
Please contact the credit union for disclosures and account details | ||||||||
VISIT US AT | ||||||||
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 |
RATE | APY | |
---|---|---|
3 month CD* | 0.05% | 0.05% |
6 month CD* | 0.15% | 0.15% |
1 year CD* | 0.22% | 0.22% |
2 year CD* | 0.38% | 0.38% |
3 year CD* | 0.49% | 0.49% |
5 year CD | 0.70% | 0.70% |
*Any Silver Star 55+ or 5 Star Member can add 0.15% to any new Certificate with a two-year term or higher and 0.05% for all others. | ||
IRA/Roth IRA Share | 0.10% | 0.10% |
Health Savings Accounts | 0.10% | 0.10% |
IRA/Roth/Coverdell ESA 1 yr. Certificate | 0.50% | 0.50% |
IRA/Roth/Coverdell ESA 2 yr. Certificate | 0.60% | 0.60% |
IRA/Roth/Coverdell ESA 3 yr. Certificate | 0.70% | 0.70% |
IRA/Roth/Coverdell ESA 5 yr. Certificate | 0.90% | 0.90% |
Coverdell ESA | 0.20% | 0.20% |