# Star One Credit Union CD and share certificate rates

As of October 22, 2026, Star One Credit Union's highest tracked CD (share certificate) rate is 3.75% APY on a 24-month CD ($2,500 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.65% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/star-one-credit-union
Institution: Star One Credit Union (NCUA 68465)
Aliases: 
Status: live
Last verified: 2026-10-22T13:34:18.000Z (October 22, 2026)
Official source: https://www.starone.org/rates/certificate-account-rates-terms
Coverage: Membership required. The published certificate table covers 6-month, 1-year and 2-year terms, with a $2,500 minimum opening deposit and early withdrawal penalties.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate Account | standard | 6 months | $2,500 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T13:34:18.000Z | [Snapshot 283](https://apyledger.com/snapshots/283) |
| Certificate Account | standard | 12 months | $2,500 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T13:34:18.000Z | [Snapshot 283](https://apyledger.com/snapshots/283) |
| Certificate Account | standard | 24 months | $2,500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T13:34:18.000Z | [Snapshot 283](https://apyledger.com/snapshots/283) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.