Mirastar Federal Credit Union is headquartered in San Jose and is the 64th largest credit union in the state of California. It is also the 458th largest credit union in the nation. It was established in 1950 and as of September of 2024, it had grown to 131 employees and 47,387 members at 6 locations. Mirastar Federal Credit Union has a B health rating.
Membership in Mirastar Federal Credit Union is open to the followings: 1. Employees and retirees of Santa Clara County, 2. Active or retired employee of one of corporate partners or volunteer, 3. Employed as healthcare worker, 4. Student, faculty or staff member employed in Santa Clara County, 5. Immediate family member.
See current membership details
The new name for this credit union is Mirastar FCU. The correct link is
https://www.mirastarfcu.org/
The pathway membership is easy with American Consumer Council. The credit union is not geofenced.
I received a car loan years ago with little/no issues. Today i went to get one and it seems like they are dragging their feet once they have already run the credit check and they have continued asking for one thing after the next almost as if they don't want to provide the loan. Also my loan "officer" is not helpful and just tells me what I HAVE to do to get the loan and was not helpful at all. Closing my accounts and moved my car loan elsewhere where it was almost instantly approved.
Overall | |
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NCUA # | 24299 |
Year Chartered | 1950 |
Employees | 131 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.66% |
Return on Equity - YTD | 8.58% |
Annual Interest Income | $34.3MM |
Assets and Liabilities | ||
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Assets | Q3 2024vs Q3 2023 | $983.5MM$982.1MM |
Loans | Q3 2024vs Q3 2023 | $546.7MM$511.9MM |
Deposits | Q3 2024vs Q3 2023 | $867.5MM$900MM |
Equity Capital | Q3 2024vs Q3 2023 | $75.2MM$53.2MM |
Loan Loss Allowance | Q3 2024vs Q3 2023 | $3.2MM$2.7MM |
Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $4.5MM$3.8MM |
Real Estate Owned | Q3 2024vs Q3 2023 | $0$0 |
Rates for Mirastar Federal Credit Union are currently being reviewed.
Mirastar Federal Credit Union Locations | ||
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Branch Office | 6915 Camino Arroyo | Gilroy, CA 95020 |
Branch Office | 1638 W Campbell Ave | Campbell, CA 95008 |
Branch Office | 5353 Almaden Expy | San Jose, CA 95118 |
Branch Office | 255 N White Rd | San Jose, CA 95127 |
Branch Office | 70 W Hedding St | San Jose, CA 95110-1705 |
Branch Office | 2099 Gateway Pl Ste 140 | San Jose, CA 95110 |