Credit union · NCUA insured
Star One Credit Union Credit Card Rates
Top CarrotStar One Credit Union credit cards start at 8.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Star One Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where Star One Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Star One Credit Union
8.75%APR
Visa Signature
2nd-lowest rate
F3 Credit Union
8.99%APR
3rd-lowest rate
SRI Federal Credit Union
9.90%APR
Star One Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Star One 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.
Visa Platinum
Rate and card issuance based on creditworthiness/credit qualification.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.75%–13.75% | None | APR based on credit qualification (tiers include 7.75%, 8.75%, 11.75%, and 13.75%). Rate applies to purchases, balance transfers, and cash advances. |
Visa Platinum Rewards
Rate and card issuance based on creditworthiness/credit qualification.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.75%–12.75% | None | APR based on credit qualification (tiers include 8.75%, 9.75%, and 12.75%). Rate applies to purchases, balance transfers, and cash advances. |
Visa Signature
Requires credit qualification. Minimum $5,000 credit limit for qualified applicants.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.75% | None | Rate applies to purchases, balance transfers, and cash advances. Requires credit qualification. Minimum $5,000 credit limit for qualified applicants. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.