What are the current interest rates at Star One Credit Union?

Current rates for Star One Credit Union include: 12-Month CD: 3.70%, 24-Month CD: 3.75%, Savings: 3.45%

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Star One Credit Union

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Star One Credit Union Rates & Review September 2026

Q: How many branches does Star One Credit Union operate?

Star One 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.

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

Yes, to access services at Star One 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: Is there a first-time homebuyer program?

Currently, Star One 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Star One 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: September 22, 2026

Star One Credit Union's 2-Year CD rates are at 3.75%, 1-Year CD rates are at 3.70%, 6-Month CD rates are at 3.65%. Star One Credit Union's savings rates are at 3.45%. Star One Credit Union's 5/5 ARM rates are at 5.50%, 3/1 Adjustable-Rate Mortgage rates are at 5.75%. Star One Credit Union's Personal Loan Rates are as low as 8.75%. Star One Credit Union's Credit Card Rates are at 7.75%. MonitorBankRates evaluates the financial stability of Star One Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.35%. Rates last updated and verified on 09/22/2026.

Star One 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 Star One Credit Union? Share your experience about Star One Credit Union by leaving a review below, or read customer reviews before you decide to use Star One Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.35%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Star One Credit Union
Main Office - Bordeaux

1306 Bordeaux Dr
Sunnyvale, CA 94089-1005

https://www.starone.org

Star One Credit Union CD Rates

Product	Rate	APY	Term
2-Year Certificate	3.69%	3.75%	2-Year
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
1-Year Certificate	3.64%	3.70%	1-Year
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
6-Month Certificate	3.59%	3.65%	6-Month
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Savings Rates

Product	Rate	APY
IRA Savings	3.40%	3.45%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Money Market Savings Account	3.40%	3.45%
Min Deposit $50 Min Balance $50 Details APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Sub-Savings Account	3.40%	3.45%
Details Dividends Compounded: Monthly; Dividends Credited: Monthly and at Closure Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market Savings Account	3.40%	3.45%
Min Deposit $50 Min Balance $50 Details APY - Annual Percentage Yield on the Star One Money Market Savings Account is variable. Fees may reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Checking Rates

Product	Rate	APY
Free Checking Account	0.10%	0.10%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Rewards Checking Account	0.10%	0.10%
Details Published APY range: 0.10% / 3.45%; Published rate range: 0.10% / 3.40%. Dividends Compounded: Monthly; Dividends Credited: Monthly and at Closure Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Checking Account	0.10%	0.10%
Details Dividends Compounded: Monthly; Dividends Credited: Monthly and at Closure Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/5 ARM	5.50%	-	6.43%	30-year
Details Annual Percentage Rate (APR). Current rate 5.500% (6.433% APR) is subject to change. For example on a 30-year 5/5 ARM loan of $300,000, you would make 360 monthly payments. The monthly payment in the first five years would be $1,703.37 and would be adjusted after the fifth year. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
3/1 Adjustable-Rate Mortgage	5.75%	-	6.73%	30-year
Details The Annual Percentage Rate (APR) for Jumbo loans assumes a loan amount of $900,000. The APR for all other loans assumes a loan amount of $100,000. Featured 6.597% APR corresponds to 3-Year Fixed-to-Adjustable Rate Mortgage at 5.750% interest rate. 3-year fixed-to-adjustable rate: Initial 6.597% is fixed for 3 years, then adjusts annually based on an index and margin. For a 30-year loan of $300,000, you would make 36 payments of $1,750.72 APR, followed by 324 payments based on the then-current variable rate. Loan payments may increase and do not include taxes and insurance. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit, California, owner-occupied	7.00%	-	7.00%	25 years
Details Home-equity line of credit rates are variable and adjust quarterly. The index used is the Prime Rate. The maximum APR that could apply is 18.000%. Minimum monthly payment is interest-only during the first 10 years. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment period. You must provide adequate insurance and a clean title to the property so that the Star One Equity Line will appear in second position. The amount of the credit line and the amount of the first trust deed may not exceed 80% of the market value of the home up to $800,000. For lines exceeding $250,000, closing and appraisal fees may apply in the range of $1,500 to $2,500. There may be an early-closure fee of $500 for home-equity lines closed within the first two years of origination. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Used Auto Loans	-	-	4.75%	7 Years
Details Published APR range: 4.75% - 8.75%. Your APR based on credit qualification. Promotional rates do not apply to loan modifications or refinancing of existing Star One loans. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New/Used Boats Loan	-	7.70%	10 Years
Details Published APR range: 7.70% - 11.70%. Your APR based on credit qualification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
New/Used Motorcycles Loan	-	7.70%	7 Years
Details Published APR range: 7.70% - 11.70%. Your APR based on credit qualification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
New/Used Motorhome & Recreational Trailers Loan	-	7.70%	10 Years
Details Published APR range: 7.70% - 11.70%. Your APR based on credit qualification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loans - Graduate, variable rate	-	-	4.00%	20 Years
Details Published APR range: 4.00% - 8.00%. Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Loans - Undergraduate, variable rate	-	-	4.00%	20 Years
Details Published APR range: 4.00% - 8.00%. Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Loan Refinance, variable rate	-	-	4.25%	15 Years
Details Published APR range: 4.25% - 8.00%. 5 years max. term: $18.53 - $19.45 10 years max. term: $10.36 - $11.35 15 years max. term: $8.17 - $9.56 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Loan Refinance, fixed rate	-	-	5.25%	15 Years
Details Published APR range: 5.25% - 9.00%. 5 years max. term: $18.99 - $19.92 10 years max. term: $10.85 - $11.87 15 years max. term: $8.71 - $10.14 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Loans - Graduate, fixed rate	-	-	5.50%	20 Years
Details Published APR range: 5.50% - 10.50%. Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Student Loans - Undergraduate, fixed rate	-	-	5.50%	20 Years
Details Published APR range: 5.50% - 10.50%. Your APR based on credit qualification. Floor 4% for variable-rate undergraduate and graduate programs. Cap 18.00% applies to all student loans. Rates include a 0.25% discount for optional enrollment in automatic electronic payments. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	7.75%
Details Published APR range: 7.75% - 13.75%. The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Visa Platinum Rewards	-	8.75%
Details Published APR range: 8.75% - 12.75%. The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Visa Signature	-	8.75%
Details The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature	8.75%
Details The type of card issued and your Annual Percentage Rate (APR) are based upon credit qualification. The range of APRs for Visa cards is 7.75% to 13.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Personal Credit Lines Loan	10.75%
Details 2.50% of current balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

Star One Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Certificate Account - 1-Year	3.64%	-	3.70%	1-Year
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Certificate Account - 2-Year	3.69%	-	3.75%	2-Year
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%
Certificate Account - 6-Month	3.59%	-	3.65%	6-Month
Details Fixed Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.35%

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

Star One Credit Union’s Texas Ratio stayed near 0.35% in Q2 2023 to 0.35% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$9.6B	0.35%	5.0	A+
December 31, 2025	$9.3B	0.61%	5.0	A+
September 30, 2025	$9.0B	0.72%	5.0	A+
June 30, 2025	$8.8B	0.75%	5.0	A+
March 31, 2025	$9.3B	0.61%	5.0	A+
December 31, 2024	$9.5B	0.67%	5.0	A+
September 30, 2024	$9.8B	0.70%	5.0	A+
June 30, 2024	$9.9B	0.37%	5.0	A+
March 31, 2024	$10.0B	0.36%	5.0	A+
December 31, 2023	$9.9B	0.52%	5.0	A+
September 30, 2023	$10.0B	0.31%	5.0	A+
June 30, 2023	$10.1B	0.35%	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 Star One 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 Star One 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 Star One Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Star One Credit Union

Website https://www.starone.org

Address 1306 Bordeaux Dr, Sunnyvale, CA 94089-1005

Phone 408-543-5202

Fax 408-543-5203

President Melissa Henck

CEO Minal Gupta

Full-Time Employees 256

Part-Time Employees 0

Branch Locations 6

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.35%

Return on Assets (ROA)

0.0721%

Return on Equity (ROE)

0.5065%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

9,584,478,051

Total Amount of Shares and Deposits

8,244,607,917

Total Shares and Deposits < 1 Year

7,804,402,206

Total Shares and Deposits 1 3 Years

440,205,712

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

1,870,957,535

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

1,870,957,535

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

6,373,650,382

Total Interest Expense (Sum of items 6 8)

64,877,025

Share Certificates

6,727

Number of Accounts for Share Drafts

96,881

IRA KEOGH Accounts

9,152

Number of Accounts for Regular Shares

176,798

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)

301,011,140

Total Liabilities

8,321,007,625

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Star One Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Star One Credit Union

Frequently Asked Questions About Star One Credit Union

How many branches does Star One Credit Union operate?

Star One 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 Star One Credit Union?

Yes, to access services at Star One 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, Star One 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, Star One Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Star One Credit Union offer online and mobile banking?

Most modern institutions like Star One 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.starone.org.

Current Star One Credit Union Rates

12-Month CD3.70%
24-Month CD3.75%
Savings3.45%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Star One Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Star One Credit Union Texas Ratio

Star One Credit Union Health Trend

Star One Credit Union CD Rates

Star One Credit Union Savings Rates

Star One Credit Union Money Market Rates

Star One Credit Union Checking Rates

Star One Credit Union Mortgage Rates

Star One Credit Union Home Equity & HELOC

Star One Credit Union Auto Loan Rates

Star One Credit Union RV, Boat and Powersport Loan Rates

Star One Credit Union Student Loan Rates

Star One Credit Union Credit Card Rates

Star One Credit Union Personal Loan Rates

Star One Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Star One Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Star One Credit Union

How many branches does Star One Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Star One Credit Union offer online and mobile banking?

Current Star One Credit Union Rates

Compare to Other Credit Unions