Credit union · NCUA insured
Star One Credit Union CD Rates
Top CarrotStar One Credit Union’s best CD rate is 3.75% APY on a 2-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Star One Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where Star One Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Star One Credit Union
3.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $764
Certificate Account
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Star One Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Star One Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Account
Up to 3.75%APY · 3 terms
Dividends compounded and credited monthly and at maturity. Fixed rates. Premature withdrawal penalties apply (6-month term: 90 days' dividends; 1-year and 2-year terms: 180 days' dividends). Automatic renewal with a 10-calendar-day grace period. Additional deposits not allowed. Minimum withdrawal amount $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate for 6-month term; early withdrawal penalty is 90 days' dividends | 3.65% | $181 |
| 12 monthsFixed rate for 1-year term; early withdrawal penalty is 180 days' dividends | 3.70% | $370 |
| 24 monthsFixed rate for 2-year term; early withdrawal penalty is 180 days' dividends | 3.75% | $764 |
Sources (3)
- starone.org/bank/share-certificates-cd
- starone.org/disclosures/certificate-account-disclosure
- starone.org/rates/all-rates
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate Account
Up to 3.75%APY · 3 terms
Dividends compounded and credited monthly and at maturity. Minimum opening deposit is $100 without automatic deposit or $25 with automatic deposit. Premature withdrawal penalties apply (6-month term: 90 days' dividends; 1-year and 2-year terms: 180 days' dividends). Automatic renewal with a 10-calendar-day grace period. Additional annual contributions permitted during term for contributory IRAs / ESA; no additional contributions for rollover / conversion IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpening deposit minimum is $25 with automatic deposit ($100 without automatic deposit). Fixed rate for 6-month term; early withdrawal penalty is 90 days' dividends | 3.65% | $181 |
| 12 monthsOpening deposit minimum is $25 with automatic deposit ($100 without automatic deposit). Fixed rate for 1-year term; early withdrawal penalty is 180 days' dividends | 3.70% | $370 |
| 24 monthsOpening deposit minimum is $25 with automatic deposit ($100 without automatic deposit). Fixed rate for 2-year term; early withdrawal penalty is 180 days' dividends | 3.75% | $764 |
Who can join Star One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live (full-time immediately or part-time for at least one year), regularly work, work for employers located in, or attend school (in-person at least part-time) in Alameda, Merced, Monterey, San Benito, San Joaquin, San Mateo, Santa Clara, Santa Cruz, or Stanislaus County in California are eligible to join.
Employers and groups
- Employees of Star One's listed corporate partners are eligible for membership.
- Retirees of Lockheed Martin are eligible for membership.
- Star One Credit Union employees are eligible for membership.
Cost to join
- There are no membership fees and no monthly maintenance fees.
- Members must maintain a $50 balance in their Savings Account.
Membership information collected October 5, 2026.