Credit union · NCUA insured
Mirastar Federal Credit Union Credit Card Rates
Mirastar Federal Credit Union credit cards start at 14.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Mirastar Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where Mirastar Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mirastar Federal Credit Union
14.74%APR
VISA Platinum
Lowest rate
Star One Credit Union
8.75%APR
2nd-lowest rate
F3 Credit Union
8.99%APR
Mirastar Federal Credit Union credit card score
62
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mirastar Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Share Secured VISA
Secured by funds deposited in a savings account. All loans subject to credit approval and income verification. If under 21, must demonstrate independent ability to repay or apply with a qualified co-borrower at least 21 years old.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory 1.99% APR on balance transfers for 12 months on balance transfers performed during the first 3 months of account opening. 3.00% balance transfer fee applies. Standard variable APR applies thereafter. |
| Ongoing | 14.49% | None | Variable APR determined by Prime Rate (6.75%) + Margin of 7.74%; maximum APR is 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances. |
Sources (2)
All captured Oct 16, 2026
VISA Platinum
All loans subject to credit approval and income verification. If under 21, you must demonstrate independent ability to repay or apply with a qualified co-borrower who is at least 21 years old.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory 1.99% APR for 12 billing cycles on balance transfers performed during the first 3 months of account opening for newly opened accounts. 3.00% balance transfer fee applies. Standard variable APR applies thereafter. |
| Ongoing | 14.49% | None | Variable APR determined by Prime Rate (6.75%) + Margin of 7.74%; maximum APR is 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances. |
Sources (2)
All captured Oct 16, 2026
VISA Platinum Rewards
All loans subject to credit approval and income verification. If under 21, must demonstrate independent ability to repay or apply with a qualified co-borrower at least 21 years old.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR on purchases for the first 6 months from purchase date on qualifying purchases made between 7/1/2026 and 9/30/2026. Valid for new cardholders only. Standard Purchase variable APR applies thereafter. |
| Ongoing | 17.49% | None | Variable APR determined by Prime Rate (6.75%) + Margin of 10.74%; maximum APR is 18%. Rate applies to purchases, post-introductory balance transfers, and cash advances. |
Sources (3)
- mirastarfcu.org/banking/borrow-buy/credit-cards
- mirastarfcu.org/banking/borrow…ds/visa-platinum-rewards
- mirastarfcu.org/rates
All captured Oct 16, 2026
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.