Credit union · NCUA insured
Mirastar Federal Credit Union
A $1B credit union headquartered in San Jose, CA, with 50,198 members and 7 branches in California. Best rates: CDs 4.00% and savings 0.75% APY.
Mirastar Federal Credit Union Carrot Score
80
Carrot Score
Higher than 50% of U.S. banks and credit unions
#17 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mirastar Federal Credit Union
Mirastar Federal Credit Union is a not-for-profit, member-owned financial institution operating since 1950.
- Headquarters
- 2099 Gateway Pl Ste 140, San Jose, CA 95110
- NCUA charter
- 24299
Branches
7 branches in California
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California
7 branches
- Corporate OfficeMain office2099 Gateway Pl Ste 140, San Jose, CA 95110Directions
- Campbell Branch1638 W Campbell Ave, Campbell, CA 95008Directions
- Gilroy Branch6915 Camino Arroyo, Gilroy, CA 95020Directions
- Almaden Branch5353 Almaden Expy, San Jose, CA 95118Directions
- East San Jose Branch255 N White Rd, San Jose, CA 95127Directions
- Tasman110 W Tasman Dr, San Jose, CA 95134Directions
- West Hedding70 W Hedding St, San Jose, CA 95110Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.87% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.54% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $70 | $88 | — |
- CapitalNet worth ratio9.87%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$70Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mirastar Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.