Loans

Loan Application
Rate Sheet
Loan Calculator

Don't Stop At Rates
Don't stop at interest rates when comparing the features of other lenders' loan programs. While it's true that we offer very competitive loan rates, our service doesn't stop there!
  • Easy to Apply, Approval Within Hours - You can apply for your loan in person, by mail, by fax or by e-mail - just click on "Loan Application" above. Within just an hour or two you'll know if you've been approved. Plus, we can process all of the loan documents through the mail - at your convenience!
  • Convenient Loan Repayment Options - You can make your loan payments by employer payroll deduction, automatic transfer from your Star Tech checking account or we can deduct it from a checking account you have at another financial institution on either a monthly or semi-monthly basis.
What Type of Loans Are Available?
  • New and Used Automobile Loans - On new vehicles, we lend up to 100% of the purchase price including sales tax - no down payment is necessary and we offer terms for up to 72 months for loans of $20,000 or more.

    On used vehicles, we will lend up to 100% of the Kelley Blue Book retail value including accessories and adjustment for mileage. We offer terms of up to 60 months on used vehicles.

  • Mini-Mortgage Loan - We offer a home equity loan with very low closing costs - $65 in most cases. The maximum home equity loan amount is $50,000 and we offer up to a 7-year term. Our loan approval and closing process is quick and easy and you'll never have to pay for points to get a low interest rate - our rates are always low! Click on "Loan Application" above to apply and then mail or fax these additional documents.

  • Visa Platinum Credit Cards - Credit limits from $5,000 - $10,000.
    Apply now for a Visa Platinum Credit Card.
    Contact us for a Transfer Balance Form to transfer credit card balances with a higher interest rate to your Star Tech FCU Visa.
    • No annual fee.
    • 25-day grace period on purchases.
    • 7.99% fixed a.p.r.
    • Travel accident insurance up to $500,000 when you charge your travel fares to your Star Tech FCU Visa Platinum Credit Card.
    • Online access to your credit card information at www.eZCardInfo.com.

  • Visa Classic Credit Cards - Credit limits from $500 - $4,500.
    Apply now for a Visa Classic Credit Card.
    Contact us for a Transfer Balance Form to transfer credit card balances with a higher interest rate to your Star Tech FCU Visa.
    • No annual fee.
    • 25-day grace period on purchases.
    • 11.99% fixed annual percentage rate.
    • Travel accident insurance up to $250,000 when you charge your travel fares to your Star Tech FCU Visa Classic Credit Card.
    • Online access to your credit card information at www.eZCardInfo.com.

  • Members Mortgage (in a partnership with Centennial Lending) - We have teamed up with Members Mortgage, the credit unions' mortgage company, to offer our members a wide range of first mortgages. Check out the advantages of obtaining your first mortgage through Members Mortgage:
    • Fixed rate mortgages available for 10, 15, 20 and 30-year terms.
    • Adjustable rate mortgages with interest rate caps and conversion options.
    • No prepayment penalty.
    • Loan pre-approval is great for first-time homebuyers who may not be sure of how much home they can afford.
    • Competitive interest rates.
    • Mortgages available on owner-occupied, secondary or vacation homes and investment properties.
    • Option to have mortgage payment automatically deducted directly from your Credit Union account.
    • First time home-buyer program requires only 3% down payment (ask about the First Time Home Buyer Certificate).
To apply for a loan or to get information on rates and products, call (800-477-1697) or visit www.membersmortgageonline.com .
  • Recreational Vehicle Loans - 20% down payment required on new RVs. We will lend up to 100% of the N.A.D.A. loan value up to $20,000 maximum on used RVs. Includes motor homes (eg. Winnebago, Airstream), trailers, campers and boats. No trailer homes.

  • Motorcycle Loans - 20% down payment required on new motorcycles. We will lend up to 100% of N.A.D.A. wholesale value on used motorcycles.

  • Share Secured Loans

  • Signature Loans (Unsecured Credit)