Loan Rates
Subject to change without notice.
Consumer Loans
Loan Rates current as of: 01/01/2026
|
Loan Type |
Rate |
Terms (MO.) |
We Will Finance |
|---|---|---|---|
|
New or Used Vehicles, Motorcycles** |
as low as 5.49% APR* |
up to 96 months*** |
up to 120% LTV* |
|
New or Used Boat & RVs** |
as low as 7.30% APR* |
up to 120 months*** |
up to 95% LTV* |
|
New or Used Powersports Vehicles** |
as low as 6.49% APR* |
up to 72 months |
up to 120% LTV |
|
Signature Loans** |
as low as 9.39% APR* (additional conditions apply; ask for details) |
Monthly Payment* Per Loan Policy |
|
|
Sallie Mae Student Loans |
|||
|
Lifestyle Lending |
Call for quote |
Call for quote |
|
|
Share Secured |
Call for quote |
Up to 48 months |
|
|
IRA Variable (no minimum) |
.10 APY* |
||
|
Home Improvement Loan |
as low as 7.40% APR* |
Up to 180 months |
Up to $25,000.00 |
|
Visa Rewards Credit Card |
as low as 11.49% APR* |
||
|
Visa Secured Credit Card |
15.99% APR* |
Home Equity
CD Rates current as of: 01/01/2026
|
Home Equity Closed End |
Rate |
Terms (MO.) |
|---|---|---|
|
Loans (Fixed Rate) – 80% LTV |
(with closing costs) |
|
|
5.75%* |
60 months |
|
|
6.25%* |
120 months |
|
|
7.25%* |
180 months |
|
|
Loans (Fixed Rate) – 90% LTV |
(with closing costs) |
|
|
6.75% |
60 months |
|
|
8.25% |
120 months |
|
|
8.99% |
180 months |
|
|
Loans (Fixed Rate) – 100% LTV |
(with closing costs) |
|
|
10.24% |
180 months |
|
|
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan value |
as low as 6.75%* |
Call for details |
Mortgages
Share rates current as of: 01/01/2026
|
Home Mortgage and Refinancing Available* |
Rate |
|---|---|
|
30 Year Fixed Rate |
Please call for details |
|
15 Year Fixed Rate |
Please call for details |
|
5 Year Adjustable Rate |
Please call for details |
|
3 Year Adjustable Rate |
Please call for details |
|
Construction Loans |
Please call for details |
|
Property Loans |
Please call for details |
|
Second Homes |
Please call for details |
*Annual Percentage Rate
**All loans subject to credit approval
***Rates and Terms are based on credit and amount financed. See Loan Officer for details.
Savings Rates
Share Accounts
Share rates current as of: 01/01/2026
|
Term |
Annual Percentage Yield |
Minimum Open Balance |
|---|---|---|
|
Regular Share Savings |
Please call for details |
$5.00 |
|
Saver |
0.05%-1.00%* |
$25.00 |
|
Launch Youth Savings |
Please call for details |
$5.00 |
|
Traditional IRA |
0.10% |
No Minimum |
|
Christmas/Vacation Club |
0.10% |
No Minimum |
*For Saver:
If qualifications are met: Earn 1.00% APY* on balances up to $40,000; earn 0.10% APY on portion of balance over $40,000
If qualifications are not met: Earn 0.05% APY on total balance
Share Draft Accounts
Share rates current as of: 01/01/2026
|
Term |
Annual Percentage Yield |
Minimum Open Balance |
|---|---|---|
|
Cash Rewards Checking |
4.00% to 1.20% |
$25.00 |
|
Vintage Checking |
0.05% |
$25.00 |
|
Cash Back Checking |
0.00% |
$25.00 |
|
Fresh Start Checking |
0.00% |
$25.00 |
|
Launch Teen Checking |
0.00% |
$25.00 |
|
Star Biz Checking Plus |
0.10% |
$50.00 |
*For Cash Rewards Checking:
If qualifications are met: Earn 4.00% APY* on balances up to $25,000; earn 0.50%APY on portion of balance over $25,000
If qualifications are not met: earn 0.05% APY on total balance
Share Certificates and IRAs*
Share rates current as of: 01/01/2026
|
Term |
Annual Percentage Yield |
Minimum Open Balance |
|---|---|---|
|
90 Day Certificate |
3.15% |
$500.00 |
|
6 Month Certificate |
3.35% |
$500.00 |
|
12 Month Certificate |
3.40% |
$500.00 |
|
18 Month Certificate/IRA |
3.45% |
$500.00 |
|
24 Month Certificate/IRA |
3.50% |
$500.00 |
|
30 Month Certificate/IRA |
3.50% |
$500.00 |
|
36 Month Certificate/IRA |
3.55% |
$500.00 |
|
48 Month Certificate/IRA |
3.55% |
$500.00 |
|
60 Month Certificate/IRA |
3.60% |
$500.00 |
|
Youth Growth Certificate |
3.40% |
$200.00 |
Share Certificates and IRA Specials*
Share rates current as of: 01/01/2026
|
Term |
Annual Percentage Yield |
Minimum Open Balance |
|---|---|---|
|
11 Month (Certificate Only) |
3.45% |
$500.00 |
|
3.50% |
$50,000.00 |
|
|
3.55% |
$100,000.00 |
|
|
19 Month Certificate/IRA |
3.50% |
$500.00 |
|
3.55% |
$50,000.00 |
|
|
3.60% |
$100,000.00 |
|
|
37 Month Certificate/IRA |
3.60% |
$500.00 |
|
3.65% |
$50,000.00 |
|
|
3.70% |
$100,000.00 |
*Bonus dividend of 0.05% to APY on balances of $50,000.00 to $99,999.99. Bonus dividend of 0.10% to APY on balances of $100,000.00 and higher.
Star Money Market
Share rates current as of: 01/01/2026
|
Tier |
Deposit |
Annual Percentage Yield |
|---|---|---|
|
Tier 1 |
$2,500.00 to $24,999.99 |
1.75% |
|
Tier 2 |
$25,000.00 to $49,999.99 |
1.85% |
|
Tier 3 |
$50,000.00 to $99,999.99 |
2.00% |
|
Tier 4 |
$100,000.00 to $249,999.99 |
2.10% |
|
Tier 5 |
$250,000.00 to $499,999.99 |
2.20% |
|
Tier 6 |
$500,000.000 and above |
2.20% |