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Select the product you wish to apply for!
Select the product you wish to apply for!
Are you a mobile user? If so, click on the drop down arrow above to select the loan product you wish to apply for!
Are you on a laptop or desktop computer? If so, click on the loan product above you wish to apply for!
Loan and Credit Card Rates
For rate inquiries, be sure to visit our Loan and Credit Card Rates page, located on the Qualstar Website.
* By clicking the Apply Now button below, you will be taken to an application for a Visa credit card. If you wish to apply for a different loan product, please select from the menu above.
Are you on a laptop or desktop computer? If so, click on the loan product above you wish to apply for!
Loan and Credit Card Rates
For rate inquiries, be sure to visit our Loan and Credit Card Rates page, located on the Qualstar Website.
* By clicking the Apply Now button below, you will be taken to an application for a Visa credit card. If you wish to apply for a different loan product, please select from the menu above.
Visa Credit Cards
Visa Credit Cards
Which card is right for you?
Our members have a variety of needs, so we offer two great Visa® Credit Card options with real rewards, low fees, and low interest rates that won't expire in a few months. No matter which card you choose, it's a WIN!
Our Qualstar Visa +Rewards offers...
If you pay off your card balance monthly, and want to earn reward points* without the fees and high interest rates you get with other cards, this is the card for you!
Our Qualstar Visa Gold offers...
This is the card for you if you usually carry a balance and want a solid card with the lowest credit card rate we offer, realistic terms, and fewer fees than bank and retailer cards.
Our members have a variety of needs, so we offer two great Visa® Credit Card options with real rewards, low fees, and low interest rates that won't expire in a few months. No matter which card you choose, it's a WIN!
Our Qualstar Visa +Rewards offers...
If you pay off your card balance monthly, and want to earn reward points* without the fees and high interest rates you get with other cards, this is the card for you!
- NO Annual Fee
- Earn Cash for Points! 1.5 points for each dollar you spend on all purchases, redeemable for CASH right from the Mobile Banking app installed on your iPhone or Android (also available in desktop Home Banking)
- Balance Transfer Cash Rebate*
- No Rate Penalties
- 7 Day Grace Period on Payments
- Travel Accident Insurance/Auto Rental Collision Damage Waiver/Trip Cancellation or Interruption/Warranty Manager Service/Travel & Emergency Assistance Service
- 24/7 Fraud Monitoring & Protection
Our Qualstar Visa Gold offers...
This is the card for you if you usually carry a balance and want a solid card with the lowest credit card rate we offer, realistic terms, and fewer fees than bank and retailer cards.
- NO Annual Fee
- Passport every day savings benefit provided at NO CHARGE - save at local and online merchants, restaurants, events, travel and more!*
- Balance Transfer Cash Rebate*
- No Rate Penalties
- 7 Day Grace Period on Payments
- Travel Accident Insurance/Auto Rental Collision Damage Waiver/Trip Cancellation or Interruption/Warranty Manager Service/Travel & Emergency Assistance Service
- 24/7 Fraud Monitoring & Protection
*Passport is offered on Qualstar Gold Visa cards at no charge (up to $150/year value.)
*Balance Transfer Rebate is applied to card balance, does not apply to Equity Visas, max. $150/year in rebates, unless otherwise disclosed.
*$100 minimum earned to redeem Visa +Rewards points (available as deposit to corresponding checking or savings; or card balance credit), awarded in denominations of $50, e.g. $100, $150, $200, etc.
Auto - Purchase or Refinance
Auto - Purchase or Refinance
When it’s time to trade-in or trade-up, Qualstar can provide you with the rates and terms that best meet your needs and your budget. Plus, when you walk into a dealership pre-approved, you'll have even more buying power!
If you're looking to purchase, be sure to visit our Vehicle Buying Resources and Tools page located on the Qualstar website to help make your purchase experience a smooth one!
If you're looking to purchase, be sure to visit our Vehicle Buying Resources and Tools page located on the Qualstar website to help make your purchase experience a smooth one!
Personal Loan
Personal Loan
If your needs aren’t covered by the traditional loan options we offer, a personal loan is the way to go. You can borrow as little as $500 to cover an unexpected expense, plan a vacation with your family, make necessary auto or home repairs and more!
- Up to 5 year terms available
- Loan amounts available from $500 up to $25,000
Gateway Line of Credit
Gateway Line of Credit
gate-way (n): Something that serves as an entrance or a means of access.
At Qualstar, our goal is to make sure our members have the products and services that meet their needs, even when a traditional loan might be an option. Our Gateway Line of Credit is designed to give you access to the funds you need, when you need them.
Features and Benefits:
*Additional Gateway Line of Credit Details: Fees are as follows: $5 monthly fee if the balance is greater than $5 (up to $60 annually); $5 advance fee when done through the Call Center or branches; loan approval requires an electronic deposit (payroll, government, ACH, etc.) of at least $100 for three consecutive months; applicant cannot have a current negative account or delinquent loan.
At Qualstar, our goal is to make sure our members have the products and services that meet their needs, even when a traditional loan might be an option. Our Gateway Line of Credit is designed to give you access to the funds you need, when you need them.
Features and Benefits:
- No minimum credit score required
- $500 line of credit
- $50 minimum monthly payments
- No advance fee when accessed through ATM or Online Services
*Additional Gateway Line of Credit Details: Fees are as follows: $5 monthly fee if the balance is greater than $5 (up to $60 annually); $5 advance fee when done through the Call Center or branches; loan approval requires an electronic deposit (payroll, government, ACH, etc.) of at least $100 for three consecutive months; applicant cannot have a current negative account or delinquent loan.
Personal Line of Credit
Personal Line of Credit
When you need additional funds from time to time, and don’t want to be restricted by a specific term loan, a line of credit ensures the money you need is available when you need it.
- A Line of Credit is perfect for annual expenses that can be paid off sooner, like taxes, vacations, and regular home repairs and expenses.
- Access your credit line from Home Banking and Mobile Banking 1 – simply transfer the funds into your corresponding checking account and use your Visa® Debit Card to make purchases, or withdraw the funds from an ATM.
- Borrow anywhere from $500 to $20,000 and the Line of Credit stays open for as long as you need it
RV
RV
You work hard, and when you play, you play hard…because you’ve earned it!
Qualstar loans are available for your favorite pastime, so you can leave a hard day’s work behind in the dust or wake.
- Low rates and convenient terms, we have a loan to cover all your recreation needs!
- Recreational loans are offered all year long...buying "of-season" could mean a better deal for you!
- 90 Days No Payments on Boat, RV, and Motorcycle Loans
Boat
Boat
You work hard, and when you play, you play hard…because you’ve earned it!
Qualstar loans are available for your favorite pastime, so you can leave a hard day’s work behind in the dust or wake.
- Low rates and convenient terms, we have a loan to cover all your recreation needs!
- Recreational loans are offered all year long...buying "of-season" could mean a better deal for you!
- 90 Days No Payments on Boat, RV, and Motorcycle Loans
Motorcycle
Motorcycle
You work hard, and when you play, you play hard…because you’ve earned it!
Qualstar loans are available for your favorite pastime, so you can leave a hard day’s work behind in the dust or wake.
- Low rates and convenient terms, we have a loan to cover all your recreation needs!
- Recreational loans are offered all year long...buying "of-season" could mean a better deal for you!
- 90 Days No Payments on Boat, RV, and Motorcycle Loans
Other Motorized Vehicles/Trailers
Other Motorized Vehicles/Trailers
You work hard, and when you play, you play hard…because you’ve earned it!
Qualstar loans are available for your favorite pastime, so you can leave a hard day’s work behind in the dust or wake.
- Low rates and convenient terms, we have a loan to cover all your recreation needs!
- Recreational loans are offered all year long...buying "of-season" could mean a better deal for you!
- 90 Days No Payments on Boat, RV, and Motorcycle Loans
Home Equity Line of Credit - Variable Rate
Home Equity Line of Credit - Variable Rate
An Option Equity loan works the same as traditional line of credit loans, however it also gives you the option of making the minimum interest only payment or interest with principal payment. With this choice, your payments are lower when they need to be, and you can pay on the principal balance when you have the extra cash.
Advantage Equity Loan - Fixed Rate
Advantage Equity Loan - Fixed Rate
An Advantage Equity Loan is for members who want a fixed-rate equity loan without the line of credit option; receive a lump sum distribution – when you want all the funds at once.
Fast Track Home Loan
Fast Track Home Loan
Looking to get your mortgage payoff on the Fast Track
Fast Track mortgages with NO Closing Costs, low fixed rates and a variety of terms to pay your lower balance mortgage off faster*
*Payment Example: Loan amount of $75,000 at 3.875% for 120 month term has an estimated Principal & Interest payment of $754.38.)
Fast Track mortgages with NO Closing Costs, low fixed rates and a variety of terms to pay your lower balance mortgage off faster*
*Payment Example: Loan amount of $75,000 at 3.875% for 120 month term has an estimated Principal & Interest payment of $754.38.)