Looking for a loan? View our current
LOAN RATES
Membership Required – Loans are available to Star of Texas Credit Union members and those who qualify to join.
You may be eligible if you live, work, worship, or go to school in Travis County, work for the Texas Workforce Commission, or are a family member of a member.
Applications outside our membership field can’t be approved. Pre-qualification may include a credit check.
| TYPE | APR (Annual Percentage Rate) | TERMS | EFFECTIVE DATE |
|---|---|---|---|
| New Auto Loan | as low as 4.501 | Subject to credit approval1 | 12/19/2025 |
| Used & Refinanced Loans | as low as 5.24% | Subject to credit approval | 12/19/2025 |
| First-Time Car Buyer Program | as low as 5.99% | Subject to credit approval | 12/19/2025 |
Loans are available to SOTCU members and eligible applicants. Applications outside our field of membership will not be approved. Pre-qualification may include a credit check.
1 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required.
Call credit union for most current rates. Subject to change with or without notice.
| TYPE | APR | TERMS | EFFECTIVE DATE |
|---|---|---|---|
| Signature Loans | 11.90%* | ** | 12/19/2025 |
| Personal Loans | 11.90%* | ** | 12/19/2025 |
Loans are available to SOTCU members and eligible applicants. Applications outside our field of membership will not be approved. Pre-qualification may include a credit check.
Call credit union for most current rates. Subject to change with or without notice.
| TYPE | APR (Annual Percentage Rate) | EFFECTIVE DATE |
|---|---|---|
| Residential Mortgage ARM | 5.24% APR | 12/19/2025 |
| Home Equity Loans ARM | 5.49% APR | 12/19/2025 |
| Residential Lot/Land ARM | 5.99% APR | 12/19/2025 |
| Investment Properties ARM | 6.99% APR | 12/19/2025 |
Loans are available to SOTCU members and eligible applicants. Applications outside our field of membership will not be approved. Pre-qualification may include a credit check.
Call credit union for most current rates. Subject to change with or without notice.
| Card | Rate | EFFECTIVE DATE |
|---|---|---|
| Mastercard | 12.5% to 17.99% | 12/19/2025 |
Call credit union for most current rates. Subject to change with or without notice.
CHECKING THAT PAYS
CHECKING RATES
| ACCOUNT | DIVIDEND | RATE/APY | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| Regular Checking | 0.10% 1 | 0.10% 1 | $100 and Up Earn | 12/19/2025 |
| 4-Star Checking / High Yield | 4.00% 2 | 4.00% 2 | Click HERE for more details | 12/19/2025 |
1 Min. Amount to earn dividends is $100.00
2 4.00% APY on balances up to $15,000. 0.15% APY on $15,000+. TERMS: Min. $500 in deposits to SOTCU, (10) or more debit transactions on account per month, no monthly fee. If account does not meet threshold, dividends are forfeited (dividends are posted monthly and based on average monthly balance).
EARN MORE WITH STAR OF TEXAS CREDIT UNION
SAVINGS & INVESTMENTS RATES
| TERM | Amounts of $1,000 - $49,999.99 | Amounts of $50,000 - $99,999.99 | APY Amounts of $100,000 + | EFFECTIVE DATE |
|---|---|---|---|---|
| APY** | APY** | APY** | 12/19/2025 | |
| 3 Month | 2.50% | 2.50% | 2.50% | 12/19/2025 |
| 6 Month | 3.55% | 3.55% | 3.55% | 12/19/2025 |
| 9 Month | 3.55% | 3.55% | 3.55% | 12/19/2025 |
| 12 Month | 3.65% | 3.65% | 3.65% | 12/19/2025 |
| 18 Month | 3.75% | 3.75% | 3.75% | 12/19/2025 |
| 24 Month | 3.75% | 3.75% | 3.75% | 12/19/2025 |
| 36 Month | 3.55% | 3.55% | 3.55% | 12/19/2025 |
| 48 Month | 3.55% | 3.55% | 3.55% | 12/19/2025 |
| 60 month | 3.55% | 3.55% | 3.55% | 12/19/2025 |
Share Certificates minimum amount to earn $1,000 unless otherwise stated under “Amount” row. Early withdrawal penalties apply is surrendered prior to term maturity.
12 MONTH CERTIFICATE SPECIAL: Limited time only. Special Promo for new money brought on deposit to Star of Texas Credit Union. Subject to change or expire with or without notice. Always check with SOTCU for current terms and conditions.
| ACCOUNT | DIVIDEND | RATE/APY | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| IRA | 0.40% 1 | 0.40% 1 | $1,000 and Up Earn | 12/19/2025 |
1 Min. Amount to earn dividends is $1,000.00
| ACCOUNT | DIVIDEND | RATE/APY | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| Money Market | 1.00%1 | 1.00%1 | $1,000 to $4,999 | 12/19/2025 |
| Money Market | 1.25%1 | 1.25%1> | $5,000 to $24,999 | 12/19/2025 |
| Money Market | 1.50%1 | 1.50%1 | $25,000 to $74,999 | 12/19/2025 |
| Money Market | 1.75%1 | 1.75%1 | $75,000 to $199,999 | 12/19/2025 |
| Money Market | 2.00%1 | 2.00%1 | $200,00 and up | 12/19/2025 |
1 Minimum Balance of $2,000
| ACCOUNT | DIVIDEND | RATE/APY | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| Christmas Club Account | 0.25%1 | 0.25% 1 | $100 and Up Earn | 12/19/2025 |
1Min. Amount to earn dividends is $100.00
| ACCOUNT | DIVIDEND | RATE*/APY** | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| Star Savers | 0.20% 1 | 0.20% 1 | Youth (age 0-15 years) | 12/19/2025 |
1Min. Amount to earn dividends is $25.00. Ages 0-15 years only. Certain restrictions apply. See CU for full details.
| ACCOUNT | DIVIDEND | RATE*/APY** | TERMS | EFFECTIVE DATE |
|---|---|---|---|---|
| Regular Savings | 0.20% 1 | 0.20% 1 | $100 and Up Earn | 12/19/2025 |
1Min. Amount to earn dividends is $100.00.