Mortgages

Mortgages

  • 15 Year Fixed
  • Rate: 2.250%
  • Points: 0.500%
  • APR*: 2.375%
  • Estimated Payment***: $1,322.00
  • 20 Year Fixed
  • Rate: 3.500%
  • Points: 0.125%
  • APR*: 3.625%
  • Estimated Payment***: $1,173.00
  • 30 Year Fixed Refinance
  • Rate: 3.500%
  • Points: 0.250%
  • APR*: 3.625%
  • Estimated Payment***: $912.00
  • 30 Year Fixed Purchase
  • Rate: 3.000%
  • Points: 0.125%
  • APR*: 3.010%
  • Estimated Payment***: $843.00
  • 5/1 ARM****
  • Rate: 3.000%
  • Points: -0.125%
  • APR*: 2.753%
  • Estimated Payment***: $843.00
  • 5/1 Jumbo ARM****
  • Rate: 3.000%
  • Points: -0.125%
  • APR*: 2.753%
  • Estimated Payment***: $2,192.00

Rates Effective: 09/18/2020

Apply Now

*APR = Annual Percentage Rate.

**Monthly Payments shown do not include amounts for taxes and insurance. Actual payment obligation will be greater. For adjustable rate loans (ARM), after the 5-year initial period, rates and payments my adjust annually. Estimated payment is based on the following assumptions. Rates and terms are based on credit worthiness.

  • Jumbo loan amounts of $520,000. All other loan amounts $200,000
  • Single family residence.
  • Purchase loan.
  • 80% Loan-to-Value (or 20% Down Payment)
  • Mortgage rate lock period of 60 days.
  • Customer profile with excellent credit.

These assumptions are subject to change without notice. Rate, points and APR may be adjusted based on several factors including, but not limited to, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.

***Mortgage points are a form of pre-paid interest. One point equals one percent of the loan amount. By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment.

****ARM based on Libor.

Home Equity

Home Equity Loan

Due to the COVID-19 situation, home equity loans and lines of credit are currently unavailable. Learn more

Home Equity Line of Credit

Due to the COVID-19 situation, home equity loans and lines of credit are currently unavailable. Learn more

Auto Loans

New Vehicles

  • New Auto*
  • APR: 1.99% - 18.00%
  • Term: 48 months
  • New Auto*
  • APR: 2.19% - 18.00%
  • Term: 60 months
  • New Auto* ($20,000 Minimum)
  • APR: 2.49% - 18.00%
  • Term: 72 months
  • New Auto* ($25,000 Minimum)
  • APR: 2.99% - 18.00%
  • Term: 84 months
  • New Auto* ($75,000 Minimum)
  • APR: 4.49% - 18.00%
  • Term: 100 months**

Rates Effective: 09/01/2020

APR = Annual Percentage Rate.

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

** 100 Month Auto Financing: Auto, SUV, and Trucks at 1 Ton/Diesel, Purchases Only, 100% LTV plus product.

Apply Online

New Members Existing Members

Used Vehicles

  • Used Auto
  • APR: 2.19% - 18.00%
  • Term: 48 months
  • Used Auto
  • APR: 2.39% - 18.00%
  • Term: 60 months
  • Used Auto ($20,000 Minimum)
  • APR: 2.69% - 18.00%
  • Term: 72 months
  • Used Auto ($25,000 Minimum)
  • APR: 3.19% - 18.00%
  • Term: 84 months

Rates Effective: 09/01/2020

APR = Annual Percentage Rate.

Apply Online

New Members Existing Members

Recreational Vehicles

RVs and Boats (16 feet and over)

  • New RV & Boat* ($0-$9,999)
  • APR: 5.24% - 18.00%
  • Term: 60 months
  • New RV & Boat* ($10,000 - $24,999)
  • APR: 5.49% - 18.00%
  • Term: 120 months
  • New RV & Boat* ($25,000 - $74,999)
  • APR: 5.74% - 18.00%
  • Term: 180 months
  • New RV & Boat* ($75,000 - $300,000)
  • APR: 5.99% - 18.00%
  • Term: 240 months
  • Used RV & Boat ($0-$9,999)
  • APR: 5.99% - 18.00%
  • Term: 60 months
  • Used RV & Boat ($10,000 - $24,999)
  • APR: 6.24% - 18.00%
  • Term: 120 months
  • Used RV & Boat ($25,000 - $74,999)
  • APR: 6.49% - 18.00%
  • Term: 180 months
  • Used RV & Boat ($75,000 - $300,000)
  • APR: 6.74% - 18.00%
  • Term: 240 months

Rates Effective: 08/01/2020

APR = Annual Percentage Rate.

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Special Collateral (Motorcycles, Dirt Bikes, ATVs, and Personal Watercraft under 16 feet)

  • New Power Sports*
  • APR: 5.49% - 18.00%
  • Term: 60 months
  • New Power Sports* ($12,000 Minimum)
  • APR: 5.74% - 18.00%
  • Term: 72 months
  • New Power Sports* ($20,000 Minimum)
  • APR: 5.99% - 18.00%
  • Term: 84 months
  • Used Power Sports
  • APR: 5.99% - 18.00%
  • Term: 60 months

Rates Effective: 08/01/2020

APR = Annual Percentage Rate.

* New is any vehicle for which the equitable or legal title has not been previously transferred to an ultimate purchaser.

Personal Loans

Signature Loan

  • Signature
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 08/01/2020

APR=Annual Percentage Rate. Subject to credit and program guidelines.

Line of Credit

  • Line of Credit
  • APR Range: 12.75% - 18.00%
  • Repayment: varies

Rates Effective: 08/01/2020

APR=Annual Percentage Rate. Subject to credit and program guidelines.

Share Certificate Secured

  • Share Secured
  • APR Range: 3.00% over dividend rate
  • Repayment: varies
  • Share Certificate Secured*
  • APR Range: 3.00% over dividend rate
  • Repayment: varies

Rates Effective: 08/01/2020

APR=Annual Percentage Rate.

* You will be automatically approved if you would like to pledge your Share Certificate or Share Account as collateral. The interest rate depends on your current Share Certificate rate + 3%.

Personal Banking

Star High Yield Money Market

  • $0 - 74,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details.

SaversAdvantage Yield Money Market

  • $0.00 - $24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000.00+
  • Dividend Rate: 0.15%
  • APY: 0.15%

Rates Effective:  08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details.

Tiered Money Market Checking or Savings

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $1,000.00 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.25%
  • APY: 0.25%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

* Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details.

Share Certificate

  • 3 Month
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.40%
  • APY: 0.40%
  • 24 Month
  • Dividend Rate: 0.45%
  • APY: 0.45%
  • 30 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 36 Month
  • Dividend Rate: 0.55%
  • APY: 0.55%
  • 48 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 60 Month
  • Dividend Rate: 0.70%
  • APY: 0.70%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. See our Account Disclosures for details.

IRA Share Certificate

  • 3 Month
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.40%
  • APY: 0.40%
  • 24 Month
  • Dividend Rate: 0.45%
  • APY: 0.45%
  • 30 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 36 Month
  • Dividend Rate: 0.55%
  • APY: 0.55%
  • 48 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 60 Month
  • Dividend Rate: 0.70%
  • APY: 0.70%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

There is a $100 minimum opening balance requirement for IRA Savings and a $50 minimum balance required to earn dividends. IRA Share Certificate minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. We may offer other rates in the future. See our Account Disclosures for details.

YourSavings

  • $0.00 - $1,000
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $1,000+
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

Minimum balance to open account is $5.00. Minimum daily balance to earn the stated APY is $100.00. Daily balances of less than $100.00 will not earn dividends. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not the entire account balance. There is a limit of one (1) Your Savings account per primary member. Fees could reduce earnings. The monthly fee is waived if you consent to receive statements electronically. We may offer other rates in the future. See our Account Disclosures for details.

Savings

  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • IRA Savings
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective:  08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

There is a $5.00 minimum opening balance requirement for Savings and Club Savings. For Savings and Club Savings there is a $50 minimum balance required to earn dividends. We may offer other rates in the future. See our Account Disclosure for details.

Checking

  • Arizona Checking*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Student Checking**
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • Premium Checking*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $1,000 - $24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000 - $49,999.99
  • Dividend Rate: 0.08%
  • APY: 0.08%
  • $50,000+
  • Dividend Rate: 0.10%
  • APY: 0.10%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD.

*There is a $1000 minimum balance required to earn dividends.

**Account is available for students currently enrolled in an accredited primary, secondary, post-secondary or technical school at account opening.

There is a $20 minimum opening balance requirement for all checking accounts. We may offer other rates in the future. See our Account Disclosures for details.

Business Banking

Business Star High Yield Money Market Rates

  • $0 - 74,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $75,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details.

Business SaversAdvantage Money Market Rates

  • $0 - 24,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $25,000+
  • Dividend Rate: 0.20%
  • APY: 0.20%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1000. Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details.

Business Tiered Money Market Rates

  • $0 - 999.99*
  • Dividend Rate: 0.00%
  • APY: 0.00%
  • $1,000.00 - 4,999.99*
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $5,000 - 9,999.99
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • $10,000 - 24,999.99
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • $25,000 - 49,999.99
  • Dividend Rate: 0.15%
  • APY: 0.15%
  • $50,000 - 99,999.99
  • Dividend Rate: 0.20%
  • APY: 0.20%
  • $100,000+
  • Dividend Rate: 0.30%
  • APY: 0.30%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD

Minimum balance to open account is $1,000. Minimum daily balance to earn the stated APY is $1,000. The APY will be calculated by applying one or more Dividend Rates to multiple balance ranges as set forth above. The Dividend Rate for each balance range will apply to your account balance within each particular deposit balance range and not to the entire account balance. Fees could reduce earnings. We may offer other rates in the future. See our Account Disclosures for details. 

Business Share Certificate Rates

  • 3 Month
  • Dividend Rate: 0.10%
  • APY: 0.10%
  • 6 Month
  • Dividend Rate: 0.25%
  • APY: 0.25%
  • 12 Month
  • Dividend Rate: 0.35%
  • APY: 0.35%
  • 18 Month
  • Dividend Rate: 0.40%
  • APY: 0.40%
  • 24 Month
  • Dividend Rate: 0.45%
  • APY: 0.45%
  • 30 Month
  • Dividend Rate: 0.50%
  • APY: 0.50%
  • 36 Month
  • Dividend Rate: 0.55%
  • APY: 0.55%
  • 48 Month
  • Dividend Rate: 0.60%
  • APY: 0.60%
  • 60 Month
  • Dividend Rate: 0.70%
  • APY: 0.70%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD

Minimum to open is $2000. The APYs are fixed and will be in effect for the term of the account. We may offer other rates in the future. A withdrawal of dividends will reduce earnings. Penalty for early withdrawal will apply. See our Account Disclosures for details. 

Business Savings Rates

  • Club Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%
  • Savings
  • Dividend Rate: 0.05%
  • APY: 0.05%

Rates Effective: 08/01/2020

APY = ANNUAL PERCENTAGE YIELD

There is a $5.00 minimum opening balance requirement and a $50 minimum balance required to earn dividends. We may offer other rates in the future. See our Account Disclosures provided at account opening for details.