Credit union · NCUA insured
BrightStar Credit Union Savings Rates
BrightStar Credit Union’s best savings rate is 3.00% APY on $10,000, with its Wish Account. Rates checked October 15, 2026.
How BrightStar Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where BrightStar Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
BrightStar Credit Union
3.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $300
Wish Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
BrightStar Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BrightStar Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Wish Account
3.00%APY · 1 term
Goal-oriented savings account with terms from 6 to 24 months. Minimum opening deposit $1.00. Must maintain a $25 minimum daily balance to obtain APY. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–24 monthsTerm lengths from 6 to 24 months. Minimum daily balance of $25 required to earn APY. Unlimited deposits permitted; funds transfer upon maturity. Early withdrawal penalty may apply | 3.00% | $149 |
Special-purpose accounts
Educator IRA Savings
3.50%APY
Tiered IRA savings account designed for educators and education professionals. Open with $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Rate tier for balances $1 - $2,499. | 3.50% | — | Rate tier for balances $1 - $2,499. |
| $2,500 – $9,999Rate tier for balances $2,500 - $9,999. | 3.50% | — | Rate tier for balances $2,500 - $9,999. |
| $10,000 – $49,999Rate tier for balances $10,000 - $49,999. | 3.50% | $350 | Rate tier for balances $10,000 - $49,999. |
| $50,000 – $94,999Rate tier for balances $50,000 - $94,999. | 4.00% | — | Rate tier for balances $50,000 - $94,999. |
| $95,000 and upRate tier for balances $95,000 & up. | 4.50% | — | Rate tier for balances $95,000 & up. |
Money Market Account
0.30%APY
Tiered variable rates. Dividends compound and credit monthly. Minimum balance of $2,500 required to earn dividends and avoid monthly fee. $10 monthly fee applies if balance falls below $2,500; fee waived for minors and individuals up to age 23 or maintaining balance of $2,500+. Limited to 6 withdrawals/transfers per statement cycle ($12 per item fee for excess).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Applies to balances $0 - $2,499. | 0.25% | — | Applies to balances $0 - $2,499. |
| $2,500 – $9,999Applies to balances $2,500 - $9,999. | 0.25% | — | Applies to balances $2,500 - $9,999. |
| $10,000 – $49,999Applies to balances $10,000 - $49,999. | 0.30% | $30 | Applies to balances $10,000 - $49,999. |
| $50,000 – $94,999Applies to balances $50,000 - $94,999. | 0.45% | — | Applies to balances $50,000 - $94,999. |
| $95,000 – $249,999Applies to balances $95,000 - $249,999. | 0.75% | — | Applies to balances $95,000 - $249,999. |
| $250,000 – $499,999Applies to balances $250,000 - $499,999. | 3.25% | — | Applies to balances $250,000 - $499,999. |
| $500,000 and upApplies to balances $500,000 & up. | 3.50% | — | Applies to balances $500,000 & up. |
Coverdell IRA Savings
0.10%APY
Tiered Coverdell IRA savings account. Open with $1.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Rate tier for balances $1 - $2,499. | 0.05% | — | Rate tier for balances $1 - $2,499. |
| $2,500 – $9,999Rate tier for balances $2,500 - $9,999. | 0.05% | — | Rate tier for balances $2,500 - $9,999. |
| $10,000 – $49,999Rate tier for balances $10,000 - $49,999. | 0.10% | $10 | Rate tier for balances $10,000 - $49,999. |
| $50,000 – $94,999Rate tier for balances $50,000 - $94,999. | 0.15% | — | Rate tier for balances $50,000 - $94,999. |
| $95,000 and upRate tier for balances $95,000 & up. | 0.20% | — | Rate tier for balances $95,000 & up. |
IRA Savings
0.05%APY
Available as Traditional and Roth IRA savings. Open with $1.00. No monthly fees. Interest/dividends compounded and credited monthly. Early withdrawals before age 59 1/2 may be subject to IRS penalties and taxes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional and Roth IRA Savings. No minimum balance requirement and no monthly fees. Early withdrawals before 59 1/2 may be subject to IRS penalties.Any balance | 0.05% | $5 | Applies to Traditional and Roth IRA Savings. No minimum balance requirement and no monthly fees. Early withdrawals before 59 1/2 may be subject to IRS penalties. |
Savings Account
0.02%APY
Must maintain a minimum daily balance of $25 to obtain the disclosed APY. $5.00 monthly participation fee applies if balance falls below $500 during the month and member has no other accounts (minors and individuals up to age 23 are excluded). $1.00 opening deposit keeps BrightStar membership active. Monthly dividends compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum daily balance to obtain APY is $25. $5 monthly participation fee waived if balance stays at or above $500 or if member has other accounts, or is age 23 and under.$25 and up | 0.02% | $2 | Minimum daily balance to obtain APY is $25. $5 monthly participation fee waived if balance stays at or above $500 or if member has other accounts, or is age 23 and under. |
Who can join BrightStar Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.