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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.

Auto Loan Rates

Auto loan rates and terms including options for new, used, refinanced, and first-time car buyers
TYPE APR* (Annual Percentage Rate) TERMS EFFECTIVE DATE
New Auto Loan as low as 4.501 Subject to credit approval1 7/1/2026
Used & Refinanced Loans as low as 5.24% Subject to credit approval 7/1/2026
First-Time Car Buyer Program as low as 5.99% Subject to credit approval 7/1/2026
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.
learn more about Auto Loans
 

Personal Loan Rates

Signature and personal loan rates, terms, and effective date
TYPE APR TERMS EFFECTIVE DATE
Signature/Personal Loans 11.90%* ** 7/1/2026
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.
Learn more about personal loans
 

Mortgages

Residential adjustable rate mortgage (ARM) loan rates and effective dates
TYPE APR (Annual Percentage Rate) EFFECTIVE DATE
Residential Mortgage ARM 5.24% APR* 7/1/2026
Home Equity Loans ARM 5.49% APR 7/1/2026
Residential Lot/Land ARM 5.99% APR 7/1/2026
Investment Properties ARM 6.99% APR 7/1/2026
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.
Learn more about home loans
 

Credit Cards

Mastercard credit card interest rates and effective date
Card Rate EFFECTIVE DATE
Mastercard 12.5% to 17.99% 7/1/2026
Call credit union for most current rates. Subject to change with or without notice.
Learn more about credit cards

Checking Rates

Checking Rates

Checking account dividend rates, APY, terms, and effective dates
ACCOUNT DIVIDEND RATE/APY** TERMS EFFECTIVE DATE
Regular Checking 0.10%1 0.10%1 $100 and Up Earn 7/1/2026
4-Star Checking / High Yield 4.00%2 4.00%2 Click here for more details 7/1/2026
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).
Learn more about checking accounts

Savings & Investments Rates

 

Certificates Of Deposit

Certificate account annual percentage yields (APY) by term and deposit amount tiers
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** 7/1/2026
3 Month 2.50% 2.50% 2.50% 7/1/2026
6 Month 3.45% 3.45% 3.45% 7/1/2026
9 Month 3.45% 3.45% 3.45% 7/1/2026
12 Month 3.55% 3.55% 3.55% 7/1/2026
18 Month 3.60% 3.60% 3.60% 7/1/2026
24 Month 3.60% 3.60% 3.60% 7/1/2026
36 Month 3.65% 3.65% 3.65% 7/1/2026
48 Month 3.70% 3.70% 3.70% 7/1/2026
60 month 3.65% 3.65% 3.65% 7/1/2026
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.
 

Individual Retirement Accounts

Individual Retirement Account (IRA) dividend rates, APY, terms, and effective date
ACCOUNT DIVIDEND RATE/APY TERMS EFFECTIVE DATE
IRA 0.40%1 0.40%1 $1,000 and Up Earn 7/1/2026
1 Min. Amount to earn dividends is $1,000.00
 

Money Market Accounts

Money Market account dividend rates, APY, terms by balance tier, and effective date
ACCOUNT DIVIDEND RATE/APY** TERMS EFFECTIVE DATE
Money Market 1.00%1 1.00%1 $1,000 to $4,999 7/1/2026
Money Market 1.25%1 1.25%1> $5,000 to $24,999 7/1/2026
Money Market 1.50%1 1.50%1 $25,000 to $74,999 7/1/2026
Money Market 1.75%1 1.75%1 $75,000 to $199,999 7/1/2026
Money Market 2.00%1 2.00%1 $200,000 and up 7/1/2026
1 Minimum Balance of $2,000
 

Christmas Club Savings Account

Christmas Club Account dividend rates, APY, terms, and effective date
ACCOUNT DIVIDEND RATE/APY** TERMS EFFECTIVE DATE
Christmas Club Account 0.25%1 0.25%1 $100 and Up Earn 7/1/2026
1Min. Amount to earn dividends is $100.00
 

Youth Savings Account

Star Savers youth savings account dividend rates, APY, terms, and effective date
ACCOUNT DIVIDEND RATE*/APY** TERMS EFFECTIVE DATE
Star Savers 0.20%1 0.20%1 Youth (age 0-15 years) 7/1/2026
1Min. Amount to earn dividends is $25.00. Ages 0-15 years only. Certain restrictions apply. See CU for full details.
 

Regular Savings Account

Regular Savings account dividend rates, APY, terms, and effective date
ACCOUNT DIVIDEND RATE*/APY** TERMS EFFECTIVE DATE
Regular Savings 0.20%1 0.20%1 $100 and Up Earn 7/1/2026
1Min. Amount to earn dividends is $100.00.