Certificates
Experience the power of a Mirastar Certificate.
Watch your money grow.
With a wide range of terms starting at 3 months, we offer a variety of Certificate options and will work with you to determine which is best for your personal savings goals.
Earn 4.10% APY* with an 11 or 15 month certificate.1
Explore what is possible this spring. Grow your tax refund or bonus with a guaranteed high yield boost. Pick the term that fits your plans and watch your savings grow before this limited time offer ends May 31, 2026.¹
We help you explore the possibilities and grow your savings by uplifting our community.
Take the next step.
Low minimum deposit
Kickstart your journey with a low minimum deposit of $500 to open a Certificate.
Competitive rates
Enjoy the certainty of fixed dividend rates throughout your term, with earnings paid quarterly.
Your money is secure
Your principal deposit is always safe. Certificates are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA).
Interested in how much you could be earning?
Check out our Certificate calculator and discover how much money you could be saving for your future.
At the end of your Certificate term, you will receive a maturity notice with a 6-day grace period. You can choose another term, add funds to your account, or have it renewed automatically.
Open a Certificate today.
Disclosures
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*The 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 04/01/. 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.
For full terms, fees and conditions, see:
1Limited-Time 11 Month and 15 Month Certificates Promotional Offer Terms
The Limited-Time 11 Month and 15 Month Promotional Certificates are offered to existing Mirastar Federal Credit Union (Mirastar) members at an Annual Percentage Yield (APY) of 4.10%. The chosen certificate term must be established with a minimum opening deposit of $500.00.
There is no limit to the number of promotional certificates a member can open, nor is there a maximum balance limit. IRA and ESA accounts are excluded from this promotion.
This is a limited-time offer valid from April 1, 2026, through May 31, 2026. This offer is subject to change or cancellation without prior notice. For questions regarding membership eligibility, please contact us at 800-282-6212.
Important Account Information: An Early Withdrawal Penalty will apply for withdrawal of principal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Upon maturity, the promotional certificates will automatically renew to a standard 12 Month Certificate at the then-current rate unless you withdraw funds within the grace period of 6 days after maturity:
Initial deposit is required to establish an account. Minimum opening balance to receive APY is $500. All memberships are subject to terms and conditions located in Mirastar’s Membership and Account Agreement, Truth in Savings Disclosure, and Fee Schedule located at https://www.mirastarfcu.org/disclosures. Current rates available at https://www.mirastarfcu.org/disclosures under Term Certificates.