Credit union · NCUA insured
Mirastar Federal Credit Union CD Rates
Mirastar Federal Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 4 years. Rates checked October 16, 2026.
How Mirastar Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where Mirastar Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mirastar Federal Credit Union
4.00%APY
- Term
- 11 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $366
11 Month Promo Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Mirastar Federal Credit Union CD score
84
CD score
Higher than 65% of U.S. banks and credit unions
- 3–8 months3–8 mo3.29%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.65%
- QualifiedQualified4.00%
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 Mirastar Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
11 Month Promo Certificate
4.00%APY · 1 term
Limited time offer valid from 08/17/2026 through 09/30/2026. Excludes IRA and ESA certificates. Automatically renews at maturity to the 12-month certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Early withdrawal penalty applies. Must be a member of Mirastar Federal Credit Union.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsValid from 08/17/2026 through 09/30/2026. Minimum opening deposit of $500. Excludes IRA and ESA certificates. Early withdrawal penalty applies. Renews to 12-month certificate fixed rate at maturity | 4.00% | $366 |
Sources (3)
- mirastarfcu.org
- mirastarfcu.org/banking/save-s…gs-accounts/certificates
- mirastarfcu.org/files/Dividend-Rates-Sheet.pdf
All captured Sep 16, 2026
Term Share Certificate
Up to 3.65%APY · 6 terms
Certificate accounts are subject to membership eligibility, terms, and fees. Early withdrawal penalty applies. Minimum opening balance to receive APY is $500. Automatically renews at maturity to existing term and certificate fixed rate unless withdrawn at maturity or within 6-day grace period. Earnings paid quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 2.78% | $69 |
| 6 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 3.29% | $163 |
| 12 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 3.55% | $355 |
| 24 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 3.65% | $743 |
| 36 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 3.65% | $1,135 |
| 48 monthsFixed rate. Early withdrawal penalty applies. Automatic renewal at maturity | 3.65% | $1,542 |
Sources (2)
- mirastarfcu.org/banking/save-s…gs-accounts/certificates
- mirastarfcu.org/files/Dividend-Rates-Sheet.pdf
All captured Oct 16, 2026
Special-purpose accounts
Term IRA Certificate
Up to 3.65%APY · 5 terms
Applies to Traditional, Roth, and Coverdell (ESA) Term IRA Certificates. Early withdrawal penalty applies for withdrawal before maturity date. Subject to approval, terms, and fees. $500 minimum opening and earning balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate. Early withdrawal penalty applies | 3.29% | $163 |
| 12 monthsFixed rate. Early withdrawal penalty applies | 3.55% | $355 |
| 24 monthsFixed rate. Early withdrawal penalty applies | 3.65% | $743 |
| 36 monthsFixed rate. Early withdrawal penalty applies | 3.65% | $1,135 |
| 48 monthsFixed rate. Early withdrawal penalty applies | 3.65% | $1,542 |
Youth Roth IRA and Youth ESA Term IRA Certificate
3.03%APY · 1 term
Applies to Youth Roth IRA and Youth ESA Term IRA Certificate. Early withdrawal penalty applies before maturity date. Subject to approval, terms, and fees. $500 minimum opening and earning balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFixed rate. Early withdrawal penalty applies. Applies to Youth Roth IRA and Youth Coverdell ESA IRA Certificates | 3.03% | $303 |
Who can join Mirastar Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.