Five Star Credit Union

Rates & Fees

LOAN RATES

Your individual Interest rates and other terms will vary based on personal credit history, length of loan, type of item you are borrowing for, whether items is used as collateral for the (secured or unsecured) loan, etc. Credit cards and loans are subject to loan approval. Call our loan department at 888‐619‐1711 (Option 2) for specific details.
 

Consumer Loan Rates  - (Effective April 1, 2014) 

TYPE

APR AS LOW AS

 

Call for MAXIMUM
LENGTH Loans  Available
and APRs for each length term*

Cars and Motorcycles - 2008 and newer

   1.99%*  

 

Boats and RVs

3.99%

 

Cars and motorcycles - 2007 and older 3.99%  

ATV, Dirt Bikes, Tractors, Farm Equipment, Hauling Trailers

3.99%

 

Personal Loans

7.99%

 

Share or certificate secured loans

2.0% above share or certificate rate

 

VISA Platinum Credit Card (with Rewards)

8.99%

disclosure

VISA Platinum Credit Card (without Rewards)

7.99%

disclosure

   NOTE: Home Equity Loans, Lines of Credit, Mortgages, Mobile Home Loans please call for rates and terms.
* Rate shown includes 0.25% APR reduction available on auto loans to Five Star level checking account members. 1.99% is minimum APR amount allowed for any loan (excluding share/certificate secured) even with all reductions. Annual percentage rates (APR) shown  "as low as"  are for specific length loans and credit scores and may not be available for the maximum term length.  The above rates are intended to show examples of minimum APRs available. Longer length loans are available but longer terms generally means a slightly higher APR but with lower monthly payments.


All rates are subject to change and subject to other applicable terms and conditions.
 

 


DEPOSIT RATES (effective April 1, 2014)

Savings, Checking, IRA & Club Accounts Rates

TYPE ANNUAL DIVIDEND RATE APY*
Savings (Share) Account See Savings Account Rates  
Checking Account See Checking Account Rates  
Club Accounts (Vacation, Christmas; etc.) 0.35% 0.35%
IRA Savings (Non-Certificate) 0.50% 0.50%

*APY is Annual Percentage Yield. Variable rates subject to change.  Fees, if incurred, may reduce earnings.

 

Share Certificate, IRA Certificate & Money Market Rates & APY's**

$500.00 Minimum*

TERM ANNUAL DIVIDEND RATE APY*
6 Months 0.20% 0.20%
12 Months 0.45% 0.45%
24 Months 0.70% 0.70%
36 Months 0.85% 0.85%
48 Months 1.00% 1.00%

   *APY is Annual Percentage Yield. Early withdrawal penalties may apply. Fees, if incurred, may reduce earnings.

In addition to the rates shown above, a 0.30% APY bump rate is available on certificates at the end of each month a member qualifies as a Five Star level checking account member. Click here for more information about achieving Five Star level checking.

 

 
$100,000.00 Minimum*

TERM ANNUAL DIVIDEND RATE APY*
6 Months 0.25% 0.25%
12 Months 0.55% 0.55%
24 Months 0.80% 0.80%
36 Months 0.95% 0.95%
48 Months 1.10% 1.11%

   *APY is Annual Percentage Yield.  Early withdrawal penalties may apply. Fees, if incurred, may reduce earnings.

In addition to the rates shown above, a 0.30% APY bump rate is available on certificates at the end of each month a member qualifies as a Five Star level checking account member. Click here for more information about achieving Five Star level checking.

 


Premier Growth Money Market Rates

BALANCE ANNUAL DIVIDEND RATE APY*
$0 - $1,499.99 0.10% 0.10%
$1,500 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.40% 0.40%
$100,000 or greater 0.50% 0.50%

 *APY is Annual Percentage Yield. Variable rates subject to change. Fees, if incurred, may reduce earnings.

All rates are subject to change and subject to other applicable terms and conditions.

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