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Mirastar Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mirastarfcu.org
408-282-0700
2099 Gateway Pl Ste 140
San Jose, CA 95110

Mirastar Federal Credit Union is headquartered in San Jose and is the 65th largest credit union in the state of California. It is also the 467th largest credit union in the nation. It was established in 1950 and as of March of 2025, it had grown to 130 employees and 47,829 members at 7 locations. Mirastar Federal Credit Union's CD rates are 3X the national average, and it 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.

1

Loan Issues

Posted by: |

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.

1


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24299
Year Chartered1950
Employees130
Primary Regulator
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD5.45%
Annual Interest Income$11.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$963.3MM$954.1MM
LoansQ1 2025vs Q1 2024$545.6MM$508.5MM
DepositsQ1 2025vs Q1 2024$876.9MM$881.3MM
Equity CapitalQ1 2025vs Q1 2024$73.9MM$62.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.8MM$2.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.8MM$3.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Mirastar Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1-Regular Share Savings - Basic
0.10%$1-Youth Share Savings
0.10%$25-Coverdell (ESA) IRA

Mirastar Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$2.5k-Money Market Account

Mirastar Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-7 Month Diamond Plus CD
4.25%$500-7 Month Diamond CD
3.03%$500-12 Month CD
3.03%$500-24 Month CD
3.03%$500-36 Month CD
3.03%$500-48 Month CD
2.78%$500-6 Month CD
2.52%$500-3 Month CD

Mirastar Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$500-12 Month IRA CD
3.03%$500-24 Month IRA CD
3.03%$500-36 Month IRA CD
3.03%$500-48 Month IRA CD
3.03%$500-12 Month Youth Roth Term IRA CD
3.03%$500-12 Month Youth Coverdell (ESA) IRA CD
2.78%$500-6 Month IRA CD
0.10%$25-Roth IRA Savings
0.10%$25-Traditional IRA Savings
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
Branch Office110 W Tasman DrSan Jose, CA 95134

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