Credit union · NCUA insured
Mirastar Federal Credit Union Savings Rates
Mirastar Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Mirastar Federal Credit Union’s savings 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
0.75%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Account
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Mirastar Federal Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 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.
Money Market Account
0.75%APY
Variable rate account; dividend rates and APY may change monthly without limitation. Minimum opening and earning balance of $2,500 required to earn stated rate. Dividends compounded and credited monthly. Subject to fees and charges. Membership in Mirastar Federal Credit Union required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upVariable rate; dividend rates and APY may change monthly. Minimum opening and earning deposit balance of $2,500 required to earn stated dividend rate. Dividends compounded and credited monthly.$2,500 and up | 0.75% | $75 | Variable rate; dividend rates and APY may change monthly. Minimum opening and earning deposit balance of $2,500 required to earn stated dividend rate. Dividends compounded and credited monthly. |
Momentum Savings
0.10%APY
Must be a Mirastar Federal Credit Union member, 18 years of age or older, with no loans 60+ days delinquent and no past or present losses with Credit Union. Businesses, organizations, trusts, and employees/board members (and immediate family) are not eligible.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly. Receive 1 entry for every $25 monthly average balance for cash prize drawings ($1,000 monthly, $5,000 quarterly, $10,000 annual grand prize); minimum $500 average monthly daily balance required to be eligible for prizes.$1 and up | 0.10% | $10 | Variable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly. Receive 1 entry for every $25 monthly average balance for cash prize drawings ($1,000 monthly, $5,000 quarterly, $10,000 annual grand prize); minimum $500 average monthly daily balance required to be eligible for prizes. |
Regular Shares
0.10%APY
Membership balance is required to be held in Regular Shares savings account. Membership in Mirastar Federal Credit Union is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly for Savings Accounts.$1 and up | 0.10% | $10 | Variable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly for Savings Accounts. |
Special-purpose accounts
IRA Savings
0.10%APY
Available as Traditional IRA, Roth IRA, or Coverdell ESA IRA. Coverdell ESA is for children or grandchildren under age 18, with contributions up to $2,000 per tax year per child. Membership in Mirastar Federal Credit Union is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upVariable rate account; rates and APY may change monthly. Applicable to Traditional, Roth, and Coverdell (ESA) IRA savings accounts including youth.$25 and up | 0.10% | $10 | Variable rate account; rates and APY may change monthly. Applicable to Traditional, Roth, and Coverdell (ESA) IRA savings accounts including youth. |
Youth Savings
0.10%APY
Membership in Mirastar Federal Credit Union is required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upVariable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly.$1 and up | 0.10% | $10 | Variable rate account; rates and APY may change monthly. Dividends compounded and credited quarterly. |
Sources (3)
- mirastarfcu.org/banking/save-spend
- mirastarfcu.org/banking/save-spend/savings-accounts
- mirastarfcu.org/files/Dividend-Rates-Sheet.pdf
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.