|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southern Star Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 19, 2026
Southern Star Credit Union's IRA Shares - 12 month rates are at 3.82%, IRA Shares - 36 month rates are at 3.30%, IRA Shares - 24 month rates are at 3.25%. Southern Star Credit Union's Personal Loan Rates are as low as 8.75%. MonitorBankRates evaluates the financial stability of Southern Star Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.70%. Rates last updated and verified on 10/19/2026. Southern Star Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Star Credit Union? Share your experience about Southern Star Credit Union by leaving a review below, or read customer reviews before you decide to use Southern Star Credit Union. Southern Star Credit Union
Southern Star Credit Union 16035 W Little York Rd
https://www.southernstarcu.org Houston, TX 77084  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Southern Star Credit Union CD Rates
Southern Star Credit Union Auto Loan Rates
Southern Star Credit Union RV, Boat and Powersport Loan Rates
Southern Star Credit Union Personal Loan Rates
Financial Health HistorySouthern Star Credit Union’s Texas Ratio rose from 1.78% in Q3 2023 to 6.70% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southern Star Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southern Star Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southern Star Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southern Star Credit Union
Website
https://www.southernstarcu.org
Address
16035 W Little York Rd,
Houston, TX 77084
Phone
713-934-1460
Fax
713-934-1470
President
William Conrad
CEO
Debra Callihan
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.70%
Return on Assets (ROA)
-0.4123%
Return on Equity (ROE)
-3.1138%
Non-Performing Loans Ratio (NPL)
1.87%
Total Assets
17,717,457
Total Amount of Shares and Deposits
15,451,976
Total Shares and Deposits < 1 Year
15,395,470
Total Shares and Deposits 1 3 Years
56,506
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
613,488
Total Uninsured Shares and Deposits > $250K (F+J)
613,488
Total Insured Shares and Deposits > $250K (item 17 less item K)
14,838,488
Total Interest Expense (Sum of items 6 8)
95,013
Share Certificates
81
Number of Accounts for Share Drafts
681
IRA KEOGH Accounts
75
Number of Accounts for Regular Shares
2,785
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,708,830
Total Liabilities
15,371,671
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Southern Star Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Southern Star Credit Union
Frequently Asked Questions About Southern Star Credit UnionDoes Southern Star Credit Union offer CDs?Yes. Southern Star Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Southern Star Credit Union NCUA insured?Yes. Southern Star Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Southern Star Credit Union?The highest CD rate MonitorBankRates has verified for Southern Star Credit Union is 3.82% APY on its IRA Shares - 12 month CD, as of October 19, 2026. What CD terms does Southern Star Credit Union offer?The Southern Star Credit Union CD terms we track include 12 month, 2 year and 3 year terms, with rates from 3.25% to 3.82% APY. The institution may offer other terms or specials that are not listed here, so check with Southern Star Credit Union for its full lineup. What is the lowest auto loan rate at Southern Star Credit Union?The lowest auto loan rate MonitorBankRates has verified for Southern Star Credit Union is 4.00% APR on its New Auto Loan, as of October 19, 2026. What is the lowest personal loan rate at Southern Star Credit Union?The lowest personal loan rate MonitorBankRates has verified for Southern Star Credit Union is 8.75% APR on its Signature (Unsecured) Loan, as of October 19, 2026. How many branches does Southern Star Credit Union operate?Southern Star Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southern Star Credit Union?Yes, to access services at Southern Star Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southern Star Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southern Star Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southern Star Credit Union offer online and mobile banking?Most modern institutions like Southern Star Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.southernstarcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Southern Star Credit Union rates compare?Southern Star Credit Union's top rates are 3.82% APY on its IRA Shares - 12 month CD and 8.75% APR on its Signature (Unsecured) Loan, verified by MonitorBankRates on October 19, 2026. Current Southern Star Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Treadwell Credit Union
PostCity Financial Credit Union
Americas First Network Credit Union
United Methodist Credit Union
Chattahoochee Federal Credit Union
Connecticut Labor Dept Federal Credit Union
Arbuckle Federal Credit Union
Pine Bluff Cotton Belt Federal Credit Union
Columbia Post Office Credit Union
Salt Employees Federal Credit Union
CAREY POVERELLO
Central Jersey Police And Fire FCU
Nova Credit Union
Latvian Cleveland Credit Union
Municipal Employees Credit Union of Oklahoma City
VIRGINIA STATE UNIVERSITY
FAA Federal Credit Union
Spirit of America Federal Credit Union
Dow Great Western Credit Union
Niagara Falls Air Force Federal Credit Union
Georgetown Kraft Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
