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Southern Star Credit Union

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Southern Star Credit Union Rates & Review October 2026

Q: Is a member application needed to join Southern Star Credit Union?

Yes, to access services at Southern Star Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Star Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Southern Star Credit Union's top rate as of October 13, 2026 is personal loans from 8.75% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Southern Star Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.70%. Rates last updated and verified on 10/13/2026.

Southern Star Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Star Credit Union? Share your experience about Southern Star Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Star Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.70%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Southern Star Credit Union
Southern Star Credit Union

16035 W Little York Rd
Houston, TX 77084

https://www.southernstarcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Southern Star Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	4.00%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Auto Loan	-	-	4.25%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Auto Loans	-	-	4.25%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Auto Loan	-	-	4.50%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Auto Loans	-	-	4.50%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Auto Loan	-	-	4.75%	Up to 72 Months
Details Term: Up to 72 Months ($25,000.00 or more); As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Auto Loans	-	-	4.75%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Auto Loan	-	-	5.00%	Up to 84 months
Details Term: Up to 84 months ($30,000.00 or more); As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Auto Loans	-	-	5.00%	Up to 72 Months
Details Term: Up to 72 Months ($25,000.00 or more); As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Auto Loans	-	-	5.25%	Up to 84 Months
Details Term: Up to 84 Months ($30,000.00 or more); As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Southern Star Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycles Loan	-	5.25%	Up to 36 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Motorcycles Loan	-	5.50%	Up to 48 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Motorcycles (2014 or newer) Loan	-	5.50%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	5.75%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Motorcycles Loan	-	5.75%	Up to 60 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Motorcycles (2014 or newer) Loan	-	5.75%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.00%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Motorcycles Loan	-	6.00%	Up to 72 Months
Details As Low As; $25,000.00 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.00%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Motorcycles (2014 or newer) Loan	-	6.00%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.25%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.25%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Motorcycles (2014 or newer) Loan	-	6.25%	Up to 72 Months
Details As low as; $25,000.00 or more Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.50%	Up to 72 Months
Details As low as ($25,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.50%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.75%	Up to 96 Months
Details As low as ($50,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	6.75%	Up to 72 Months
Details As low as ($25,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
New Boats / Recreational Vehicles / Tractors / Trailers Loan	-	7.00%	Up to 120 Months
Details As low as ($75,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	7.00%	Up to 96 Months
Details As low as ($50,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Used Boats / Recreational Vehicles / Tractors / Trailers Loan	-	7.25%	Up to 120 Months
Details As low as ($75,000.00 or more) Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Southern Star Credit Union Personal Loan Rates

Product	APR	Term
Signature (Unsecured) Loan	8.75%	Up to 36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Signature (Unsecured) Loan	9.75%	Up to 48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
Signature (Unsecured) Loan	10.75%	Up to 60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Southern Star Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
IRA Shares	3.75%	-	3.82%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Shares	3.20%	-	3.25%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Shares	3.25%	-	3.30%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Shares	3.75%	-	3.82%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Shares	3.20%	-	3.25%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%
IRA Shares	3.25%	-	3.30%	36 Months
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 and Above Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Southern Star Credit Union’s Texas Ratio rose from 1.78% in Q3 2023 to 6.70% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$18M	6.70%	5.0	A
March 31, 2026	$18M	11.29%	5.0	A
December 31, 2025	$18M	8.03%	5.0	A
September 30, 2025	$18M	11.01%	5.0	A
June 30, 2025	$18M	13.43%	5.0	A
March 31, 2025	$18M	10.89%	5.0	A
December 31, 2024	$19M	8.66%	5.0	A
September 30, 2024	$18M	6.49%	5.0	A
June 30, 2024	$19M	7.09%	5.0	A
March 31, 2024	$19M	6.01%	5.0	A
December 31, 2023	$19M	4.79%	5.0	A+
September 30, 2023	$19M	1.78%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southern Star Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Southern Star Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Southern Star Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southern Star Credit Union

Website https://www.southernstarcu.org

Address 16035 W Little York Rd, Houston, TX 77084

Phone 713-934-1460

Fax 713-934-1470

President William Conrad

CEO Debra Callihan

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.70%

Return on Assets (ROA)

-0.4123%

Return on Equity (ROE)

-3.1138%

Non-Performing Loans Ratio (NPL)

1.87%

Total Assets

17,717,457

Total Amount of Shares and Deposits

15,451,976

Total Shares and Deposits < 1 Year

15,395,470

Total Shares and Deposits 1 3 Years

56,506

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

613,488

Total Uninsured Shares and Deposits > $250K (F+J)

613,488

Total Insured Shares and Deposits > $250K (item 17 less item K)

14,838,488

Total Interest Expense (Sum of items 6 8)

95,013

Share Certificates

Number of Accounts for Share Drafts

681

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,785

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,708,830

Total Liabilities

15,371,671

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Southern Star Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/southern-star-credit-union-rates-review-67660">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Southern Star Credit Union

How many branches does Southern Star Credit Union operate?

Southern Star Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Southern Star Credit Union?

Yes, to access services at Southern Star Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Southern Star Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southern Star Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southern Star Credit Union offer online and mobile banking?

Most modern institutions like Southern Star Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernstarcu.org.