Starphire Rewards Cash Back Checking & High Yield Savings. Auto Loan Rates that make you want to dance! Rates as low as 3.68% APR. Personal Loans for whatever life throws your way starting at 8.95% APR for up to 60 months. Make your dreams a reality with a Home Equity Loan. Rates as low as 4.9% APR. No Closing Costs. 5 Year Fixed Rate.