Rates


Loan Rates

 

Consumer Loans (Rates as of 2/6/2019)
LOAN TYPERATETERMS(mo.)WE WILL FINANCE
New or Used Vehicles, Motorcycles**as low as 3.49% APR*up to 96 months***up to 120% LTV*
New or Used Boats & RVs**as low as 7.89% APR*up to 120 months***up to 100% LTV*
Signature Loans**as low as 8.49% APR* (additional conditions apply; ask for details)Monthly Payment* Per Loan Policy
Sallie Mae Student LoansClick for detailsClick for details
Lifestyle LendingCall for quoteCall for quote
Share SecuredCall for quoteUp to 48 months
IRA Variable (no minimum).10% APY*

 

Home Equity (Rates as of 2/6/2019)
HOME EQUITYRATETERMS (mo.)
Home Equity Closed End **(with closing costs)
as low as 4.50% APR*1 to 60 months
as low as 5.00% APR*61 to 120 months
as low as 6.25% APR*121 to 180 months
Loans (Fixed Rate) - 90% LTV(with closing costs)
as low as 5.50% APR*1 to 60 months
as low as 6.00% APR*61 to 120 months
as low as 7.49% APR*121 to 180 months
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan valueCall for details

 

Mortgages (Rates as of 2/6/2019)
HOME MORTGAGE AND REFINANCING AVAILABLE*RATE
30 Year Fixed RatePlease call for details
15 Year Fixed RatePlease call for details
5 Year Adjustable RatePlease call for details
3 Year Adjustable RatePlease call for details
Construction LoansPlease call for details
Property LoansPlease call for details
Second HomesPlease 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 (Rates as of 6/10/2019)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
Regular SavingsPlease call for details$5.00
Elements Teen SavingsPlease call for details$5.00
M3 Money ClubPlease call for details$5.00
Traditional IRA0.10%No Minimum
Christmas/Vacation Club0.10%No Minimum

 

Share Draft Accounts (Rates as of 6/10/2019)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
Star Checking Rewards0.75%$25.00
Star Checking Plus0.05%$25.00
Star Checking0.00%$25.00
Elements Teen Checking0.00%$25.00

 

Share Certificates and IRAs* (Rates as of 6/10/2019)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
90 Day Certificate1.40%$500.00
6 Month Certificate1.60%$500.00
12 Month Certificate1.80%$500.00
18 Month Certificate/IRA2.00%$500.00
24 Month Certificate/IRA2.20%$500.00
30 Month Certificate/IRA2.30%$500.00
36 Month Certificate/IRA2.40%$500.00
48 Month Certificate/IRA2.60%$500.00
60 Month Certificate/IRA2.75%$500.00
Youth Growth Certificate1.60%$200.00

 

Share Certificate and IRA Specials* (Rates as of 6/102019)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
11 Month Certificate Special2.15%$500.00
37 Month Certificate/IRA Special2.55%$500.00

 

*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 (Rates as of 6/10/2019)
TIERDEPOSITANNUAL PERCENTAGE YIELD
Tier 1$2,500.00 to $24,999.990.70%
Tier 2$25,000.00 to $49,999.990.90%
Tier 3$50,000.00 and up1.10%