Line of Credit

With "ENERGY CASH" loans, you only fill out the paperwork once. Just call when you need an advance, up to your qualified maximum, and we will have it ready when you need it. (Based on credit approval, reviews are required every two years)

Automobile Loans

We make your car buying experience a breeze! Finance your new or used car, truck or van at your Credit Union. We offer flexible financing terms and competitive rates.

RV & Boat Loans

Your credit union finances up to 90% of purchase price on R.V.'s and Boats plus tax, license and documention fees. Terms are available up to 15 years depending on the amount financed.

Share & Share Certificate Secured Loans

Don't want to use money in your savings to make a purchase? No problem with this speical loan that lets you borrow against money you have in savings or share certificates. This means you get a low rate on the loan and you continue to earn dividends on money in your savings account.

Computer Loans

Any way you crunch the numbers, a Personal Computer Loan from your Credit Union balances into a great deal. You can obtain financing for the personal computers and accessories you need.

Signature Loan

Signature loans are available up to a maximum of $10,000.00 The minimum loan amount is $500.00. These loans can be used for just about any thing you need such as vacation, taxes, home improvements, education and anything else you can think of. The repayment term depends on the actual amount borrowed. Call or click on our rates and fees page for current rates and terms.

Visa Credit Card

StarEnergy Credit Union offers a Visa card with a low fixed interest rate of 12.9% with no annual fee. There is a maximum credit limit of $5,000.00. Apply today!

Overdraft Protection Line

Overdraft Protection is now available for members with share draft accounts. A line of credit up to $1,000.00 can be established for qualified borrowers. The interest rate is 18% and your monthly payment, if used, is 3% of the unpaid balance and due on the 15th of each month. Call the credit union if you have more questions regarding Overdraft Protection.

Home Equity Loans

Your Credit Union's Home Equity Loan establishes a secured “line of credit” that you may draw on—up to your credit limit. We offer 4 types of Home Equity Loans with fixed and adjustable rates as well as 10 to 15 year terms.

Overdraft Line of Credit Loans

Your credit union is proud to offer Overdraft Protection Lines of Credit now. This line of credit is tied to your share draft account and protects you against unecessary worry if you make an error in your checkbook. Apply today and once approved forget about it, we'll take care of the rest.

Regular Share (Savings) Accounts

Whether you just need to place a stash of cash short term or you’re looking for long-term investment vehicles, StarEnergy Credit Union has what you need.

Share Draft (Checking) Accounts

A checking account from your credit union offers you the savings and convenience you want to manage your personal day-to-day finances. Click here, to reorder checks from Liberty Check Printers. When you open your share draft account we can now give you a supply of temporary checks.
First time checking accounts will get their first box of checks free

Share Certificate Accounts

We offer very competitive interest rates on share certificates with terms of six and twelve months. You may also secure a loan against a share certificate if you need the funds before it matures. Call today for current rates!

Individual Retirement Accounts (IRAs)

Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. A Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals.

Christmas/Vacation Club Accounts

Our Christmas Club and Vacation Club accounts are a smart way to be ready when that time of year rolls around. And since they seem to roll around quicker these days it makes sense to plan ahead. Payroll deduction or automatic transfer from a share or share draft account can be set up to be deposited automatically so you don't have to remember anything. Except of course to make your reservations.

Teddy Bear Club Accounts

Teach your children the value of saving! A youth savings account is designed to help young people understand the time value of money, and to help families and individuals plan for important expenditures in the future. These acccounts are for children up to the age of 13. They also earn dividends at a very competitive rate of interest. When the child turns 14 the account automatically rolls into a regular account.

NCUA Insurance

The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure members' deposits in credit unions up to the $100,000 federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.

Members Auto Insurance

We've contracted with Cuna Mutual Insurance Company to offer our members excellent auto coverage with discounted rates, great service and convenient payment options. Call & compare 888-380-9287 today

Loan Payment Protection

Could you afford to meet all your monthly obligations if you became disabled? Most people couldn't, especially since your disability income is generally only 60% of your salary. Your credit union offers payment protection for your credit union loans. The premimum is added to your loan balance each month and is calculated into your monthly payment. No up front costs to you. Ask us how to add this coverage to your existing loans.

Gap Insurance

If your vehicle is totaled, your insurance company may pay substanitally less than the amount you actually owe the credit union. Gap insurance protects you from having to pay the difference. Why take chances with your investement, call today for a quote.