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Tribal Prime Membership Program

Where Membership Turns Into More.

  • Up to 1.5% in loan rate discounts
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Tribal Prime Membership

GoldStar® Requirements

Tribal Prime Membership Program

Support You Can Feel. Savings You Can See.

If you’re a GoldStar® Member and an enrolled member of a federally recognized Native American tribe, you may qualify for exclusive loan rate discounts—up to 1.50% off. This program rewards the way you already bank, helping you save more on the loans you need most.


How You Earn Your Discount

Stack your savings by meeting the following:

  • 0.25% — GoldStar® Membership*
  • 0.25% — Direct Deposit*
  • 0.25% — Active VISA® Credit Card*
  • 0.25% — Active GoldStar® Checking Account*
  • 0.01%–0.50% — Savings Balance Bonus*

*See full discount eligibility requirements in the FAQ section below

Total Potential Discount: Up to 1.50%


Eligible Loans
  • Vehicle Loans
  • Personal Loans

Who Qualifies

To participate, you must:

  • Be a GoldStar® Member
  • Be an enrolled member of a federally recognized Native American tribe
  • Provide a valid Tribal ID (with enrollment number at account opening and/or loan application)

When Discounts Apply

Your discount is applied once each discount requirement is met—so the more you engage, the more you save.


Why It Matters

This isn’t just a discount—it’s a way to:

  • Lower your monthly payments
  • Keep more money in your pocket
  • Build stronger financial momentum over time

Get Started Today

Start unlocking your Tribal Prime Membership rate discounts in just a few simple steps.

  • Give us a call, 951-267-9951
  • Visit one of our branches, click here
  • Learn more about our GoldStar® membership, click here

GoldStar® Requirements

Requirements for GoldStar® checking accounts

Option 1: Average Daily Balance of $2,500+

Option 2: Five transactions per month (debit, credit, or electronic fund transfer), $300 direct deposit total per month, and one open loan product (may include overdraft line of credit)

If member does not meet the the requirements of option 1 or 2, the account will be charged a $10 monthly fee and no longer receives GoldStar® Rewards on additional new products

Additionally, if member switches from or closes their GoldStar® checking account the member will be charged a one-time $50 service fee if receiving GoldStar® benefits (such as a loan rate discount) at that time.

Apply Now
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As a Tribal member, just the access alone to the special rate discounts is something nobody else offers. Even better, they'll allow me to lower my loan rate further once I meet the eligibility requirements for additional discounts at any point during the life of my loan.

First Californian Member

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Frequently Asked Questions

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Upgrade to GoldStar® membership

  • Higher Monthly Dividend Rates on Balances $500+
  • Higher Dividend Rates on Savings & Certificate Accounts
  • Loan Rate Discounts on Vehicle & Personal Loans
  • Access to No Cost Identity Theft Protection
  • Free or discounted services & additional rewards
Goldstar® membership