Star One members earn 3.45% APY on their checking account when they complete three monthly requirements: make 10 debit or credit card purchases, enroll in eStatements, and receive a $300 direct deposit or maintain $5,000 in deposits or loans. If the requirements are not met in a month, the account reverts to standard checking features but can requalify the following month.
Eligibility
How to get the Star One Credit Union Rewards Checking rate
- Make 10 debit or credit card purchases monthly.
- Enroll in eStatements.
- Receive a direct deposit of at least $300 monthly or maintain $5,000 in deposits or loans.
The fine print that matters
- Card purchases must post within the same month as authorized to qualify for rewards checking eligibility the next month.
- If monthly requirements are not met, account stays open with standard checking features and can requalify the next month.
- Early direct deposit depends on the time of submission of the payment file from the payer; funds generally made available the day the file is received, up to 2 days earlier than scheduled date.
Verification and reports
Confirmed against starone.org on Aug 15, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
Reviewed by a human before it publishes. We do not ask for your name or contact, and a published report never carries one.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: starone.org rate page (checked Aug 15, 2026)