Star One Credit Union
Headquarters
P.o. Box 3643
Sunnyvale, CA 94088
See all branch locations →
Phone 1-408-543-5202
2024 Overview
General Credit Union Information
Star One is an NCUA insured institution located in Sunnyvale, CA. It was founded in 1956 and has approximately $9897.27 millions in assets.
Who can join?
Star One offers membership to employees of specific companies, Star One Credit Union employees, immediate family members* of current Star One members, and individuals who live, work, or attend school in Santa Clara County.
For a list of select employer groups
http://www.starone.org/home/joinus/whocanjoin
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68465 |
| Date Established | 1956 |
| Assets | $9,897.27 million |
| Loans | $5,778.00 million |
| Deposits | $7,375.24 million |
| Capital | $1,287.88 million |
Field of Membership Restrictions
Membership in Star One Credit Union is open to those who live, attend school or work in Santa Clara in California and to employees, contractors and retirees of Lockheed-Martin Corporation, Yahoo!, Cirrus Logic, and over 100 Select Employer Groups.
Deposit Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
2.75% | $5 | - |
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|
|
Money Market
|
2.75% | $50 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.65% | $2,500 | - |
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|
| 12 Mo CD
|
3.65% | $2,500 | - |
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|
| 24 Mo CD
|
3.65% | $2,500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
|
|
0.10% | $25 | - | Learn More |
Loan Rates - April 19, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
8.50% | 7.75% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year Adjustable Conforming See Amortization Table |
7.21% | 6.91% | $2,109.88 | |
| 3 Year Adjustable Jumbo See Amortization Table |
7.34% | 7.02% | $2,133.70 | |
| 5 Year Adjustable Conforming See Amortization Table |
7.05% | 6.63% | $2,050.26 | |
| 5 Year Adjustable Jumbo See Amortization Table |
7.15% | 6.71% | $2,067.65 | |
| 7 Year Adjustable Conforming See Amortization Table |
6.96% | 6.43% | $2,008.12 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.02% | 6.49% | $2,020.09 | |
| 10 Year Fixed Conforming See Amortization Table |
6.37% | 5.85% | $3,529.24 | |
| 10 Year Fixed Jumbo See Amortization Table |
6.37% | 5.85% | $3,529.24 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.47% | 5.97% | $2,694.29 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year Adjustable Conforming See Amortization Table |
7.21% | 6.91% | $2,109.88 | |
| 3 Year Adjustable Jumbo See Amortization Table |
7.34% | 7.02% | $2,133.70 | |
| 5 Year Adjustable Conforming See Amortization Table |
7.05% | 6.63% | $2,050.26 | |
| 5 Year Adjustable Jumbo See Amortization Table |
7.15% | 6.71% | $2,067.65 | |
| 7 Year Adjustable Conforming See Amortization Table |
6.96% | 6.43% | $2,008.12 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.02% | 6.49% | $2,020.09 | |
| 10 Year Fixed Conforming See Amortization Table |
6.37% | 5.85% | $3,529.24 | |
| 10 Year Fixed Jumbo See Amortization Table |
6.37% | 5.85% | $3,529.24 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.73% | 5.97% | $2,694.29 |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 3.65% | 3.65% | $456.47 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Star One branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
STAR ONE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Star One Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Star One. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Star One | U.S. Average |
|---|---|
| 1.23% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Star One had $15,914,157 in non-current loans and $37,193 in owned assets. To cover these potential losses it had $1,287,880,743 in net worth and $9,703,313 in loans loss reserves. That gives it a Texas Ratio of 1.23%.
Net Worth
| Star One | U.S. Average |
|---|---|
| 13.01% | 13.62% |
Star One FCU has a net worth of 13.01% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Star One
VD
August 18, 2020 |
Excellent!
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