Mirastar Federal Credit Union

Headquarters

2099 Gateway Place, Suite 140
San Jose, CA 95110
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 4.35% →
1-Year CD 3.03% 4.59% →
2-Year CD 3.03% 4.50% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Mirastar is an NCUA insured institution located in San Jose, CA. It was founded in 1950 and has approximately $1036.19 millions in assets.

Who can join?

If you are an active or retired employee on one of their Corporate Partners, then you are eligible to join. Immediate family members of members are also eligible to join. (Immediate family meaning spouses, children, parents, siblings, grandparents, grandchildren, step-siblings, step-children, adoptive relationships, and persons living in the same residence maintaining a single economic unit.)

NCUA Insured Yes / Federally Chartered
Charter Number # # 24299
Date Established 1950
Assets $1,036.19 million
Loans $638.13 million
Deposits $914.63 million
Capital $101.05 million
 

Field of Membership Restrictions

Membership is open to the following: (1) employees of Moreland School District, Campbell Union School Disctrict, Santa Clara County, Sunnyslope County Water Authority, and other select employer groups; (2) students of Addison School, Capri School, and over 100 area schools.

Deposit Rates - September 30, 2026

Your Current Location: Wisconsin, WI

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.10% $1 - Learn More
Money Market
0.75% $2,500 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 MONTH
2.52% $500 - Learn More
6 Mo CD
2.78% $500 - Learn More
11 Month Promo Certificate
4.00% $500 - Learn More
12 Mo CD
3.03% $500 - Learn More
15 Month Promo Certificate
4.10% $500 - Learn More
24 Mo CD
3.03% $500 - Learn More
36 Mo CD
3.03% $500 - Learn More
48 Mo CD
3.03% $500 - Learn More

Loan Rates - September 30, 2026

Your Current Location: Wisconsin, WI

There are currently no loan rates available for Mirastar

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Wisconsin 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - Wisconsin Home Equity Line Of Credit Rates 2026

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Note to Mirastar
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Branches

Below are Mirastar branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Marshfield,Wisconsin



Climate Policy and Initiatives

MIRASTAR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Mirastar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mirastar. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mirastar U.S. Average
4.86% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, Mirastar had $4,662,491 in non-current loans and $353,246 in owned assets. To cover these potential losses it had $101,048,294 in net worth and $2,051,043 in loans loss reserves. That gives it a Texas Ratio of 4.86%.

Net Worth
Mirastar U.S. Average
9.75% 14.48%

Mirastar FCU has a net worth of 9.75% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Mirastar

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