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.

Find Out if You Can Join
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Secure the Financing You Need

Obtaining a personal loan from Star of Texas Credit Union is a great way to consolidate debt, make home improvements, or cover unexpected expenses. We offer competitive rates and fixed monthly payments. We Lend to ITIN! No origination or prepayment fees. Applying is quick and easy!

We Lend to ITIN

No Social Security number? No problem! Star of Texas is uniquely focused on meeting the lending needs of ALL members, including providing specialized ITIN lending opportunities to help meet your lifestyle needs.

Automatic Transfers

-Make loan payments or have funds transferred to or from your Checking Account automatically
-Automatic loan payments may qualify you for rate discounts.
-Avoid hassle of mailing and traffic.

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. *Rates as low as **Subject to Credit Approval
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Personal Loan

Need cash for a personal reason? We offer loans for almost any need with a fixed interest rate.

  • Loan consolidation, home improvements, vacation, or emergencies

  • No collateral required for unsecured personal loans​

  • We Lend to ITIN! No social, no problem!

  • Loans from $1,000 to $5,​​​​​000

  • Rates as low as 11.9% APR*

  • Terms up to 24 months

  • No prepayment penalties. Pay early and save on interest.

  • Loan approval and APR based on payment method, creditworthiness, and ability to repay.

  • Credit Insurance Life and Disability: Protect yourself and your family from the burden of debt in case of an unexpected life event.

Shared & Certificate Loans

These loans are the perfect way to build or rebuild your credit. Money can be pledged from any Star of Texas Credit Union share savings account or certificate of deposit* to secure the loan. Secured loans have a lower interest rate and are more flexible in terms.

  • Pledged funds are put on hold and become available for withdrawal as the loan principal decreases.

  • Fixed rate 3% above your savings or CD dividend rate.

  • Share-Secured Mastercard Credit Card is also available.

Emergency Loans

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Are you behind on some of your bills or have an emergency need? Star of Texas Credit Union is here to help you avoid going to payday lenders who will charge you high interest rates and fees.

• A good standing member of Star of Texas Credit Union for a minimum of 2 years.
• Direct deposit and automatic payment from a Savings or Checking Account.
• Maximum amount of $1,000 with a term of 12 months.
• Copy of bill required; check will be payable to the billing company.
• Limit of one Emergency loan a year.

Signature and Personal Loan Rates with APR, terms, and effective date
TYPE APR* TERMS EFFECTIVE DATE
Signature/Personal Loans 11.90% ** 7/1/2026

Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.

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