STAR ENERGY CREDIT UNION

DIVIDEND RATES

***Current rates subject to change

SHARE CERTIFICATES

Please call the Credit Union for our current rates

APR=Annual percentage Rate

Term	Amount	Apr Rates	Apy Rates*
3 Months	$   500 – 1,999	0.4500%	0.4500% *
3 Months	$ 2,000 – 9,999	0.4500%	0.4500% *
3 Months	$10,000 – 49,999	0.4500%	0.4500% *
3 Months	$50,000 -	0.4500%	0.4500% *
6 Months	$   500 – 1,999	0.6500%	0.6500%
6 Months	$ 2,000 – 9,999	0.6500%	0.6500%
6 Months	$10,000 – 49,999	0.6500%	0.6500%
6 Months	$50,000 -	0.6500%	0.6500%
12 Months	$   500 – 1,999	.8500%**	.8500% **
12 Months	$ 2,000 – 9,999	.8500%**	.8500% **
12 Months	$10,000 – 49,999	.8500%**	.8500% **
12 Months	$50,000 -	.8500%**	.8500% **
24 Months	$   500 – 1,999	1.0000%**	.9900% **
24 Months	$ 2,000 – 9,999	1.0000%**	.9900% **
24 Months	$10,000 – 49,999	1.0000%**	1.0000% **
24 Months	$50, 000 -	1.0000%**	1.0000% **

**Bump Up Certificates. One qualified bump up available upon request for a 12-month certificate.  TTwo qualified bump ups available upon request for a 24-month certificate.

Share Certificates Secured Loans

*Annual Percentage Yield = APY
***Rates declared on the last day of the quarter

Prospective Earnings for Quarter ending 9/30/2010

 Current dividend rates are subject to change any time at the discretion of the Board of Directors.

           PO Box 5664 Bakersfield, CA 93388                5605 N. Chester Ext. Bakersfield, Ca 93308 

Phone (661) 392-2570   Fax (661) 392-2916 E-mail starecu@aol.com  

WEBPAGE: StarEnergycu.com

  

                Effective07/01/2010

STAR ENERGY CREDIT UNION

DIVIDEND RATES

***Current rates subject to change

                       

IRA ACCOUNTS

TERM	TYPE	AMOUNT	APR	APY
	IRA Share Account	$     50.00 Min.	0.900% *	0.900% **
12 month	IRA Certificate	$2,000.00 Min.	0.900% *	.900% **
24 month	IRA Certificate	$2,000.00 Min	1.200% *	1.200% **

 

SHARE ACCOUNTS

Regular Shares	Minimum	Through	APR	APY
	$       25.00 Min.	$ 1,999.99	0.1500% *	0.1500% **
	$  2,000.00 Min.	$ 9,999.99	0.2000% *	0.2000% **
	$10,000.00 Min.	& Over	0.2500% *	0.2500% **

 

 

Club Account	APR	APY
Vacation Club	1.000% *	1.000% **
Christmas Club	1.000% *	1.000% **
Teddy Bear Club	1.000% *	1.000% **

Share and Share Certificates Secured Loans

The rate will be 2.50% higher than the current rate on your share account or share certificate

*Annual Percentage Rate = APR          **Annual Percentage Yield = APY

***Rates declared on the last day of the quarter

Prospective Earnings For Quarter ending 09/30/2010

Current dividend rates are subject to change any time at the discretion of the Board of Directors.

 

PO Box 5664 Bakersfield, CA 93388              5605 N. Chester Ext. Bakersfield, Ca 93308

Phone (661) 392-2570   Fax (661) 392-2916 E-mail starecu@aol.com 

WEBPAGE:  StarEnergycu.com

 

 

Effective 07/01/2010

StarEnergy Credit Union

 

  

Each member's interest rate will be determind individually, based on the amount financed, loan term, and credit history ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME AT THE DISCRETION OF THE BOARD OF DIRECTORS

 

***Current rates subject to change

                                                                                                                       

UNSECURED LOANS

                                                                                         APR*

StarEnergy Visa                                         12.90%	$ 10,000.00 max.	Open Credit Line
Overdraft Protection Loan                             18.00%	$ 1,000.00 max.	Open Credit Line
Computer Loan                     as low as   5.90% - 15.35%	$ 4,000.00 max.	36 Months
Energy Efficient Loan            as low as   6.90% - 16.35%	$ 500.00 - $10,000.00	Up to 54 Months
Energy cash                         as low as 11.00% - 20.45%	$ 10,000.00 max	Open Credit Line
Signature Loan                     as low as 12.00% - 21.45%	$ 500.00 - $10,000.00	Up to 54 Months

                     

NEW/USED VEHICLE LOANS

Call StarEnergy Credit Union to inquire on rate match.                                                      APR*

NEW * Vehicle loans up to 84 months	**Rates    5.70% - 15.15%
USED 2003 or newer up to 72 Months	**Rates    6.50% - 15.95%
USED 1998 – 2002 up to 48 Months	**Rates   7.10% - 16.95%
USED 1997 and older up to 36 Months	**Rates    7.50% - 16.95%

** ¼% OFF for 10% down & ¼% OFF for Payroll Deduction, Electronic Pay or Automatic Transfer 

* 2009 & 2010 Vehicles with 18,000 miles or less are considered new vehicles.

 

NEW/USED MOTORCYCLE LOANS

Call StarEnergy Credit Union to inquire on rate match.                                                       APR*

NEW Motorcycle loans up to 72 months	**Rates 6.77% - 16.22%
USED 2003 or newer up to 60 Months	**Rates   7.55% - 17.00%
USED 1998– 2002 up to 48 Months	**Rates   8.15% - 17.60%
USED 1997 and older up to 36 Months	**Rates  9.05% - 18.50%

**¼% OFF for 10% down & ¼% OFF for Payroll Deduction, Electronic Pay or Automatic Transfer

 

OFF ROAD VEHICLE LOANS

APR*

NEW             Up to 54 months                          **Rates  6.40% - 15.85%	$ 500.00-$10,000.00
USED           Up to 54 months                          **Rates  7.40% - 16.85%	$ 500.00-$10,000.00

**¼% OFF for 10% down & ¼% OFF for Payroll Deduction, Electronic Pay or Automatic Transfer  

 

NEW AND USED RV

                                                                                                                                                     APR*                                        APR*

Up to 90% of purchase price plus tax & license fees	New	Used
5 years under $20,000.00	**Rates 7.95% - 17.40%	Rates   8.95% - 18.40%
7 years Over $20,000.00	**Rates  7.95% - 17.40%	Rates   8.95% - 18.40%
10 years Over $30,000.00	**Rates 7.95% -  17.40%	Rates   8.95% - 18.40%
15 years Over $30,000.00	**Rates   8.95% - 18.40%	Rates  9.95% -19.40%

**¼% OFF for Payroll Deduction, Electronic Pay or Automatic Transfer    

 

NEW AND USED BOATS

                                                                                                                                                   APR*                                        APR*

Up to 90% of purchase price plus tax & license fees	New	Used
5 years under $20,000.00	**Rates   7.10% - 16.55%	Rates   8.10% - 17.55%
7 years Over $20,000.00	**Rates   7.10% - 16.55%	Rates   8.10% - 17.55%
10 years Over $30,000.00	**Rates   7.10% - 16.55%	Rates   8.10% - 17.55%
15 years Over $30,000.00	**Rates   8.10% - 17.55%	Rates   9.10% - 18.55%

**¼% OFF for Payroll Deduction, Electronic Pay or Automatic Transfer

***Rates declared on the last day of the quarter

                                SHARE AND SHARE CERTIFICATE SECURED LOANS

The rate will be 2.50% higher than the current rate on your share account or share certificate.

 P.O. BOX 5664, Bakersfield, CA (93388)                           5605 N. CHESTER EXT., BAKERSFIELD, CA  9330 PHONE (661) WEB PAGE:  StarEnergycu.com             399-STAR (7827)   FAX (661) 392-2916   E-MAIL: starecu@aol.com

*APR = Annual Percentage Rate                                                                                                                                                Effective7/01/2010