What are the current interest rates at Brightstar Credit Union?

Current rates for Brightstar Credit Union include: 12-Month CD: 3.55%, MMA: 3.25%

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Brightstar Credit Union

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Brightstar Credit Union Rates & Review September 2026

Q: How many branches does Brightstar Credit Union operate?

Brightstar 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.

Q: Is a member application needed to join Brightstar Credit Union?

Yes, to access services at Brightstar 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Brightstar Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Brightstar Credit Union's IRA Account - 1 Year k rates are at 3.55%, 2 Mo CD k rates are at 3.00%. Brightstar Credit Union's money market rates are at 3.25%. Brightstar Credit Union's Auto Loan Rates are as low as 5.50%. Brightstar Credit Union's Credit Card Rates are at 12.49%. MonitorBankRates evaluates the financial stability of Brightstar Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.53%. Rates last updated and verified on 09/22/2026.

Brightstar 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 Brightstar Credit Union? Share your experience about Brightstar Credit Union by leaving a review below, or read customer reviews before you decide to use Brightstar Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.53%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Brightstar Credit Union
BrighStar Credit Union

3400 N University Dr
Hollywood, FL 33024-2242

https://www.bscu.org

Brightstar Credit Union CD Rates

Product	Rate	APY	Term
IRA Account - 1 Year k	-	3.55%	1 Year
Min Balance $10,000 Details $10; Earn 69% more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%
2 Mo CD k	-	3.00%	2 months
Min Balance $10,000 Details $10; Earn 5x more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Brightstar Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market k	-	3.25%
Min Balance $10,000 Details $10; Earn 4x more Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Brightstar Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity - 15 Yr	-	-	6.74%	15 years
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Brightstar Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New Auto - 84 Mo	-	-	5.50%	84 months
Details No Payments for 90 Days Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Brightstar Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Card Platinum	-	12.49%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.53%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Brightstar Credit Union’s Texas Ratio rose from 1.60% in Q2 2023 to 4.53% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$1.0B	4.53%	5.0	A+
December 31, 2025	$993M	5.93%	5.0	A+
September 30, 2025	$994M	4.81%	5.0	A+
June 30, 2025	$962M	4.97%	5.0	A+
March 31, 2025	$949M	3.16%	5.0	A+
December 31, 2024	$907M	3.09%	5.0	A+
September 30, 2024	$882M	3.64%	5.0	A+
June 30, 2024	$869M	3.22%	5.0	A+
March 31, 2024	$863M	1.98%	5.0	A+
December 31, 2023	$831M	2.23%	5.0	A+
September 30, 2023	$806M	2.36%	5.0	A+
June 30, 2023	$796M	1.60%	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 Brightstar 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 Brightstar 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 Brightstar Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Brightstar Credit Union

Website https://www.bscu.org

Address 3400 N University Dr, Hollywood, FL 33024-2242

Phone 954-486-2728

Fax 985-809-5196

President John Quercia

CEO Biana Murnane

Full-Time Employees 184

Part-Time Employees 3

Branch Locations 10

ATM Locations 9

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.53%

Return on Assets (ROA)

0.1186%

Return on Equity (ROE)

1.3357%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

1,012,814,455

Total Amount of Shares and Deposits

849,282,475

Total Shares and Deposits < 1 Year

772,048,087

Total Shares and Deposits 1 3 Years

72,833,133

Total Shares and Deposits > 3 Years

4,401,255

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

65,197,198

Total Uninsured Shares and Deposits > $250K (F+J)

65,197,198

Total Insured Shares and Deposits > $250K (item 17 less item K)

784,085,277

Total Interest Expense (Sum of items 6 8)

4,144,094

Share Certificates

7,166

Number of Accounts for Share Drafts

46,000

IRA KEOGH Accounts

1,076

Number of Accounts for Regular Shares

63,230

Non Member Deposits

Money Market Shares

912

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)

19,120,353

Total Liabilities

927,906,556

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Brightstar Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Brightstar Credit Union

How many branches does Brightstar Credit Union operate?

Brightstar 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 Brightstar Credit Union?

Yes, to access services at Brightstar 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, Brightstar 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, Brightstar Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Brightstar Credit Union offer online and mobile banking?

Most modern institutions like Brightstar 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.bscu.org.