Credit union · NCUA insured
Star One Credit Union Savings Rates
Top CarrotStar One Credit Union’s best savings rate is 3.45% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Star One Credit Union’s savings 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
3.45%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $345
Sub-Savings Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Star One Credit Union savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.45%
- $10,000 balance$10,0003.45%
- $100,000 balance$100,0003.45%
- QualifiedQualified3.45%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
3.45%APY
Variable APY/dividend rate. Compounded monthly and credited monthly and at closure. Minimum deposit of $50 required to open and to earn dividend. Membership required. No fees. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upVariable APY/dividend rate. Compounded monthly and credited monthly and at closure. Minimum deposit of $50 required to open and to earn dividend. Membership required. No fees. Fees may reduce earnings.$50 and up | 3.45% | $345 | Variable APY/dividend rate. Compounded monthly and credited monthly and at closure. Minimum deposit of $50 required to open and to earn dividend. Membership required. No fees. Fees may reduce earnings. |
Sources (2)
All captured Oct 16, 2026
Sub-Savings Account
3.45%APY
Dividends calculated by daily balance method and compounded monthly. Minimum daily balance requirement of $5.00 to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 3.45% | $345 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Savings
3.45%APY
Available as Traditional, Roth, and ESA accounts. Opening deposit is $25 with automatic deposits or $100 without automatic deposits.
| BalanceRequirement | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Any balanceRequires automated deposits for the $25 minimum opening deposit; otherwise $100 minimum deposit.Any balance · $25 to open | 3.45% | $25 | $345 | Requires automated deposits for the $25 minimum opening deposit; otherwise $100 minimum deposit. |
| Any balanceWithout automated deposits.Any balance · $100 to open | 3.45% | $100 | $345 | Without automated deposits. |
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.