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Mirastar Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Mirastar Federal Credit Union's top rates as of October 9, 2026 are 3.03% APY on its 12 Month Roth Term IRA CD, 0.75% APY on savings, 0.75% APY on money market accounts, personal loans from 8.99% APR, and credit cards from 14.49% APR, according to rates verified by MonitorBankRates. Other Mirastar Federal Credit Union CD rates include 12 Month CD at 3.03%, 12 Month Term IRA CD at 3.03%, and 24 Month CD at 3.03%. MonitorBankRates evaluates the financial stability of Mirastar Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.21%. Rates last updated and verified on 10/09/2026.
Mirastar Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mirastar Federal Credit Union? Share your experience about Mirastar Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mirastar Federal Credit Union.
Mirastar Federal Credit Union has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Mirastar Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
6.21%
ExcellentHigher than avg
Mirastar Federal Credit Union Texas Ratio
Mirastar Federal Credit Union's Texas Ratio is 6.21%, which is considered excellent and is higher than the national average of 6.13%.
Mirastar Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.11% to 6.21% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Mirastar Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Roth Term IRA Certificate
3.00%
3.03%
12 Month
Min Deposit$500
Min Balance$500
DetailsCertificates must be partially funded by new money (50% or more). Excludes IRA and ESA certificates.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
12 Month Share Certificate
3.00%
3.03%
12 Month
Min Deposit$500
Min Balance$500
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
24 Month Share Certificate
3.00%
3.03%
24 Month
Min Deposit$500
Min Balance$500
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
36 Month Share Certificate
3.00%
3.03%
36 Month
Min Deposit$500
Min Balance$500
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
48 Month Share Certificate
3.00%
3.03%
48 Month
Min Deposit$500
Min Balance$500
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 7 times
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 7 times
DetailsThe dividend rate and Annual Percentage Yield (APY) stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of 10/01/2026. APY assumes amount remains on deposit until maturity; any withdrawal will reduce earnings. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Initial deposit may be required to establish an account. Minimum opening balance to receive APY is $500. Certificate accounts will automatically renew at maturity to the existing term and certificate fixed rate in effect at that time unless you withdraw all the funds in the account at maturity or within a grace period of 6 days after maturity.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
DetailsVariable; Must be 18 years of age or older. Receive one (1) entry for every $25 monthly average balance for monthly, quarterly and annual prize drawings. A minimum of $500 average monthly daily balance is required to be eligible for prizes. Restrictions apply. See the Official Momentum Entry Rules at https://www.mirastarfcu.org/files/Official-Mirastar-Momentum-Savings-Account-Prize-Entry-Drawing-Rules.pdf for details. Winners will receive a 1099-MISC at the end of each year for tax reporting if winning amount meets tax reporting requirements. Dividends will be compounded and credited monthly for Money Market Accounts and compounded and credited quarterly for Savings Accounts. Accounts may be subject to fees and charges. See the Fee Schedule, Truth-in-Savings and Membership and Account Agreement for full terms and conditions.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Share Savings - Regular
0.10%
0.10%
Min Deposit$1
Min Balance$1
DetailsVariable; Dividends will be compounded and credited monthly for Money Market Accounts and compounded and credited quarterly for Savings Accounts. Accounts may be subject to fees and charges. See the Fee Schedule, Truth-in-Savings and Membership and Account Agreement for full terms and conditions.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Share Savings - Youth
0.10%
0.10%
Min Deposit$1
Min Balance$1
DetailsVariable; Dividends will be compounded and credited monthly for Money Market Accounts and compounded and credited quarterly for Savings Accounts. Accounts may be subject to fees and charges. See the Fee Schedule, Truth-in-Savings and Membership and Account Agreement for full terms and conditions.
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.75%
0.75%
Min Deposit$2,500
Min Balance$2,500
DetailsThis is a variable rate account. The dividend rates and APY may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Money Market (High Yield Savings)
0.75%
0.75%
Min Deposit$2,500
DetailsVariable; min earning balance $2,500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOC
4.74%
-
7.00%
DetailsPublished APR range: 7.00% - 7.75%; Published rate range: 4.74%-5.49%. Introductory APR applies for the first 12 months. After the introductory period, a variable APR will apply based on creditworthiness and other applicable factors. The variable rate is determined by adding an external index (The Wall Street Journal Prime Rate) to a margin assigned to the line. The margin is based on loan-to-value ratio, credit history, and other factors we may lawfully consider. The maximum lifetime APR is 17.99%. A $100 annual fee applies. Advances may be taken during the 10-year draw period. During the draw period, payments are interest-only. A 15-year repayment period follows, during which payments are fully amortized and include both principal and interest. All Equity Loans and Credit Lines: Mirastar absorbs third-party origination costs, including property valuation, title insurance, flood hazard review, and document recording. If the loan or line is paid off and closed within 24 month
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 25, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Vehicle Loans
-
-
4.99%
Detailsas low as
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Motorcycle Loan
-
6.99%
up to 36 months
DetailsPublished APR range: 6.99% - 13.99%.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 6.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Motorcycle Loan
-
7.99%
37 to 60 months
DetailsPublished APR range: 7.99% - 14.99%.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 7.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
VISA Platinum
-
14.49%
DetailsAs Low As; Regular APR: 14.490% (as of 03/01/2026). We add a "Margin" of 7.740% to the Prime Rate (currently 6.75% as of 03/01/2026) to determine the VISA Share Secured and VISA Platinum Purchase, post-introductory Balance Transfer, and Cash Advance APRs (the daily periodic rate for Purchases, post-introductory Balance Transfers, and Cash Advances is currently 0.0397%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 14.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
VISA Platinum Rewards
-
17.49%
DetailsAs Low As; Regular APR: 17.490% for VISA Platinum Rewards (as of 03/01/2026). We add a "Margin" of 10.740% to the Prime Rate to determine the VISA Rewards APR for Purchases, Balance Transfers, and Cash Advances (the daily periodic rate is currently 0.0479%); maximum APR 18% (corresponding to a daily periodic rate of 0.0493%).
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 17.49% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan to $30,000
8.99%
up to 60 months
Details$500; As Low As; Personal loan interest rates range from 8.99% to 16.49%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Personal Line of Credit
12.05%
open-ended
DetailsPersonal loan interest rates range from 8.99% to 16.49%.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.05% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Mirastar Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
New, Used & Refi
-
-
10.99%
133 to 180 months
DetailsPublished APR range: 10.99% - 18.99%. Risk Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and the term of your loan. All loan policies, rates and terms are subject to change without notice and all loan requests are subject to credit approval. You will be notified of the base rate for which you qualify when your loan request is approved. Payment example: Pay $29.97 per month per $1,000 borrowed at 4.99% APR for 36 months. For more payment samples, use our payment calculator or call 408-282-0700 to speak with a Loan Advisor.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 10.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
12 Month Coverdell (ESA) IRA Certificate
3.00%
-
3.03%
12 Month
Min Deposit$500
Min Balance$500
DetailsCertificates must be partially funded by new money (50% or more). Excludes IRA and ESA certificates.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
12 Month Term IRA Certificate (Traditional, Roth, Coverdell ESA)
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Coverdell (ESA) IRA
0.10%
-
0.10%
Min Deposit$25
DetailsVariable; min earning balance $25
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Momentum
0.10%
-
0.10%
Min Deposit$1
Min Balance$1
DetailsMust be 18 years of age or older. Receive one (1) entry for every $25 monthly average balance for monthly, quarterly and annual prize drawings. A minimum of $500 average monthly daily balance is required to be eligible for prizes. Restrictions apply. See the Official Momentum Entry Rules at https://www.mirastarfcu.org/files/Official-Mirastar-Momentum-Savings-Account-Prize-Entry-Drawing-Rules.pdf for details. Winners will receive a 1099-MISC at the end of each year for tax reporting if winning amount meets tax reporting requirements. This is a variable rate account. The dividend rates and Annual Percentage Yield (APY) may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Regular
0.10%
-
0.10%
Min Deposit$1
Min Balance$1
DetailsThis is a variable rate account. The dividend rates and Annual Percentage Yield (APY) may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Roth IRA
0.10%
-
0.10%
Min Deposit$25
DetailsVariable; min earning balance $25
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Traditional 12 Month Term IRA Certificate
3.00%
-
3.03%
12 Month
Min Deposit$500
Min Balance$500
DetailsTraditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Traditional 24 Month Term IRA Certificate
3.00%
-
3.03%
24 Month
Min Deposit$500
Min Balance$500
DetailsTraditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Traditional 36 Month Term IRA Certificate
3.00%
-
3.03%
36 Month
Min Deposit$500
Min Balance$500
DetailsTraditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Traditional 48 Month Term IRA Certificate
3.00%
-
3.03%
48 Month
Min Deposit$500
Min Balance$500
DetailsTraditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Traditional IRA
0.10%
-
0.10%
Min Deposit$25
DetailsVariable; min earning balance $25
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Youth
0.10%
-
0.10%
Min Deposit$1
Min Balance$1
DetailsThis is a variable rate account. The dividend rates and Annual Percentage Yield (APY) may change monthly. There are no limitations on the amount the dividend rate may change. Minimum Opening Balance and Minimum Earning Balance represent the minimum deposit balance required to earn the corresponding stated dividend rate. Dividends will be compounded monthly and credited monthly. Money Market Accounts may be subject to fees and charges. Your savings federally insured to at least $250,000 by the National Credit Union Share Insurance Fund, administered by the NCUA and backed by the full faith and credit of the United States Government.
Last Updated10/09/2026
Rate History
No change since Oct 5, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.21%
Financial Health History
Mirastar Federal Credit Union’s Texas Ratio rose from 4.11% in Q3 2023 to 6.21% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.0B
6.21%
5.0
A
March 31, 2026
$1.0B
5.95%
5.0
A+
December 31, 2025
$1.0B
5.78%
5.0
A+
September 30, 2025
$983M
5.74%
5.0
A+
June 30, 2025
$969M
4.76%
5.0
A+
March 31, 2025
$963M
3.79%
5.0
A+
December 31, 2024
$963M
6.22%
5.0
A
September 30, 2024
$984M
4.56%
5.0
A+
June 30, 2024
$966M
4.71%
5.0
A+
March 31, 2024
$954M
3.90%
5.0
A+
December 31, 2023
$977M
4.67%
5.0
A+
September 30, 2023
$982M
4.11%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Mirastar Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Mirastar Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mirastar Federal Credit Union's official website for the most current offers and terms.
Address
2099 Gateway Pl Ste 140,
San Jose, CA 95110
Phone408-282-0700
Fax
PresidentTraci Hess
CEORebecca Reynolds Lytle
Full-Time Employees136
Part-Time Employees0
Branch Locations7
ATM Locations7
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.21%
Return on Assets (ROA)
0.2699%
Return on Equity (ROE)
2.7358%
Non-Performing Loans Ratio (NPL)
1.03%
Total Assets
1,038,474,570
Total Amount of Shares and Deposits
941,303,844
Total Shares and Deposits < 1 Year
875,166,779
Total Shares and Deposits 1 3 Years
64,880,226
Total Shares and Deposits > 3 Years
1,256,839
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
91,291,959
Total Uninsured Shares and Deposits > $250K (F+J)
91,291,959
Total Insured Shares and Deposits > $250K (item 17 less item K)
850,011,885
Total Interest Expense (Sum of items 6 8)
5,068,105
Share Certificates
5,919
Number of Accounts for Share Drafts
31,347
IRA KEOGH Accounts
1,524
Number of Accounts for Regular Shares
48,614
Money Market Shares
2,330
Net Income (unless the amount is already included in Undivided Earnings)
2,803,301
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
64,136,081
Total Liabilities
954,111,254
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
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Frequently Asked Questions About Mirastar Federal Credit Union
How many branches does Mirastar Federal Credit Union operate?
Mirastar Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Mirastar Federal Credit Union?
Yes, to access services at Mirastar Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Mirastar Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Mirastar Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Mirastar Federal Credit Union offer online and mobile banking?
Most modern institutions like Mirastar Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sccfcu.org.
Current Mirastar Federal Credit Union Rates
12-Month CD3.03%
24-Month CD3.03%
Savings0.75%
MMA0.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
