Loan Rates

New Auto

Loan TypePercentage RateTermsAdditional Info
New Vehicle 2013-2014 as low as 2.49% Fixed 36 months 100% of Purchase Price (including taxes and fees) or MSRP, whichever is less
New Vehicle 2013-2014 as low as 2.49% Fixed 48 months 100% of Purchase Price (including taxes and fees) or MSRP, whichever is less
New Vehicle 2013-2014 as low as 2.49% Fixed 60 months 100% of Purchase Price (including taxes and fees) or MSRP, whichever is less
New Vehicle 2013-2014 as low as 2.49% Fixed 72 months 100% of Purchase Price (including taxes and fees) or MSRP, whichever is less

Used Auto Loans

Loan TypePercentage RateTermsAdditional Info
Used Vehicle Model Years 2007-2012 as low as 3.49% Fixed 36 months 100% of Purchase Price (including taxes and fees) or Average Kelley Blue Book, whichever is less - An additional 1% is added to APR for model years 2004-2006
Used Vehicle Model Years 2007-2012 as low as 3.49% Fixed 48 months 100% of Purchase Price (including taxes and fees) or Average Kelley blue Book, whichever is less - An additional 1% is added to APR for model years 2004-2006
Used Vehicle Model Years 2007-2012 as low as 3.99% Fixed 60 months 100% of Purchase Price (including taxes and fees) or Average Kelley Blue Book, whichever is less - An additional 1% is added to APR for model years 2004-2006
Used Vehicle - Refinance with Cash Out as low as 4.99% Fixed 60 months 5 Model Years Old or Less
Used Vehicle - Refinance with Cash Out as low as 5.99% Fixed 36 months Over 5 Model Years Old

Credit Cards

Loan TypePercentage RateTermsAdditional Info
Visa Classic 12.24* Default APR: 17.24%** See Below for additional details
Secured Visa Classic 12.24* Default APR: 17.24% Min loan amount $300

Home Equity Loans

Loan TypePercentage RateTermsAdditional Info
Home Equity Line of Credit Prime +1.00% with a floor rate of 5.00% up to 180 months up to 80% LTV, The maximum ANNUAL PERCENTAGE RATE (APR) that can apply is 16%. In no event will the APR be less than 5%. The APR will never be increased or decreased in any one year period by more than two percentage point(s) (2%).
Home Equity Loan Inquire with the Loan Department up to 120 months up to 80% LTV

Unsecured/Other Loans

Loan TypePercentage RateTermsAdditional Info
Signature Loan As low as 11.00% Fixed up to 48 months Max Loan Amount $10000
Savings Secured Margin of 3.00% Fixed above Share Dividend Rate up to 120 months Min Loan Amount $500
Share Certificate Secured Margin of 3.00% Fixed above Certificate Dividend Rate up to 120 months Min Loan Amount $1000

Recreational Vehicles

Loan TypePercentage RateTermsAdditional Info
Used Boats As low as 8.25% Fixed up to 60 Months Finance up to 80% of N.A.D.A. Value Maximum 5 Model Years Old
New Boats As low as 7.25% Fixed up to 72 months Finance up to 80% of Purchase Price
Used RV/Motorcycles As low as 9.00% Fixed up to 60 months Finance up to 80% of N.A.D.A .Value
New RV/Motorcycles As low as 8.00% Fixed up to 60 months Finance up to 80% of Purchase Price
Payment Examples:
 
To view payment examples please click here.
 
Consumer Loan Disclosures:
  
APR: Annual Percentage Rate
 
RATE: Assuming a credit score above 750, financing available up to 110% LTV with the purchase of GAP Insurance with STAR CCU. The rate also assumes automatic payment and eStatements. A rate increase of .25% will be added for automatic payment and eStatements if not met. Your Annual Percentage Rate may vary depending on your creditworthiness, loan term and loan-to-value ratio.   

MINIMUM PAYMENT: The amount and due date of your payment will be established at the time of each advance. 
  

SHARE SECURED: The APR for share secured advances will be a margin of 3.00% above the savings account rate.  If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates are subject to change on the first day of each month to reflect any change in the index. Any increase in the APR will take the form of higher payments until what you owe has been repaid.

CERTIFICATE SECURED: The APR will be dividend rate being paid on the certificate offered as security (index) plus the percentage shown in the APR column below. The APR will be disclosed on the Disbursement Receipt at the time of the advance.

LATE CHARGES: If you are more than 10 days late in making your payment, you will be assessed a late charge.


 

Visa Credit Card Disclosures:


Billing Cycle:
You have 26 days to repay your balances for purchases before a finance charge will be imposed

Courtesy Period: You have 5 days from your scheduled payment date to make your payment before a late fee is assessed.

Balance calculation method for Purchaces: Average Daily Balance including new purchases

Annual Fee: NONE

Balance Transfer Fee: NONE

Tranaction Fees:

  • Cash Advance Fee: 4% of transaction amount
  • Late Payment Fee: $7.00

Foreign Transactions: 1% of the transaction amount.


* The "Prime Rate" Index as published in the Money Rates Table of the Wall Street Journal. The Annual Percentage Rate may change on January 15 and July 15 of each year. The interest rate will be Prime (3.25% as of June 1, 2014) plus 8.99%.

**Default Rates will occur whenever the minimum monthly payment shown on your statement is received late (5 days or more after the scheduled payment date shown on your monthly statement) more than 3 times during a one year period on your Visa Account. The interest rate will be Prime (3.25% as of June 1, 2013) plus 13.99%. (See Visa Agreement for details)