Mirastar Federal Credit Union


Overview / Commentary
408-282-0700
2099 Gateway Pl Ste 140
San Jose, CA 95110

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.

Field of Membership Restrictions

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

Reviews (2)

This Credit Union Has Changed Their Name

Posted by: |

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.

Loan Issues

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.



Health

Health Grade Components

Overall
NCUA #24299
Year Chartered1950
Employees131
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD8.58%
Annual Interest Income$34.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$983.5MM$982.1MM
LoansQ3 2024vs Q3 2023$546.7MM$511.9MM
DepositsQ3 2024vs Q3 2023$867.5MM$900MM
Equity CapitalQ3 2024vs Q3 2023$75.2MM$53.2MM
Loan Loss AllowanceQ3 2024vs Q3 2023$3.2MM$2.7MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$4.5MM$3.8MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates

Rates for Mirastar Federal Credit Union are currently being reviewed.

Locations


Mirastar Federal Credit Union Locations
Branch Office6915 Camino ArroyoGilroy, CA 95020
Branch Office1638 W Campbell AveCampbell, CA 95008
Branch Office5353 Almaden ExpySan Jose, CA 95118
Branch Office255 N White RdSan Jose, CA 95127
Branch Office70 W Hedding StSan Jose, CA 95110-1705
Branch Office2099 Gateway Pl Ste 140San Jose, CA 95110

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