Credit union · NCUA insured
Star of Texas Credit Union Credit Card Rates
Star of Texas Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Star of Texas Credit Union’s credit card rates compare
Compared with banks and credit unions near Austin, TX, where Star of Texas Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Star of Texas Credit Union
12.50%APR
Mastercard
Lowest rate
Government Employees FCU
6.99%APR
2nd-lowest rate
PECU
7.99%APR
Star of Texas Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Star of Texas Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard
Membership required. Eligibility for lowest rate is subject to creditworthiness, risk score, and ability to repay. Rates are subject to change with or without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Call credit union for most current rates. Subject to change with or without notice. 'As low as' advertised rates are based on credit score, term, and any discount applied. Actual rates & terms received are based on overall creditworthiness and subject to approval. |
Sources (1)
- staroftexascu.org/rates · captured Oct 16, 2026
Secured Mastercard
Can be secured with funds from a share account or a CD, which determine the credit limit and are held as collateral. Must be a current SOTCU member or eligible to join; applications may include a credit check. Eligibility for lowest rate is subject to creditworthiness, risk score, and ability to repay. Prior Vacation and Holiday loans must be paid in full or refinanced as part of the new loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Fixed rate of 13.9% APR for Secured Mastercard. |
Sources (1)
- staroftexascu.org/fixed-rate-credit-cards · captured Oct 16, 2026
Who can join Star of Texas Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within Travis County are eligible for membership.
Military, government and schools
- Employees of the Texas Workforce Commission are eligible for membership.
Family and household
- Individuals who have a family member with an account at Star of Texas Credit Union are eligible for membership.
Cost to join
- Membership requires opening a Savings Account with a minimum balance of $10.
Membership information collected October 5, 2026.