Savings Accounts
Start saving today.
Savings should be in reach for everyone.
Helping you reach your personal goals is why we exist, and our savings accounts are designed with your future in mind. When you open a savings account with Mirastar, you instantly become a member and part owner of our credit union.
Join Mirastar and start saving now.
Open a regular or youth savings account and start saving for what you need today. Here are the steps to get started:
Open an account online
It’s easy to get started online or contact us and we’ll help you.
Deposit $25
Make a deposit of $25 or more to open your account.
Watch your savings grow
Your money is safe and secure with Mirastar, as every account is insured through the National Credit Union Administration (NCUA).
Save securely and consistently with a Certificate.
Purchasing a Certificate is a fantastic way to save for your future. We offer great return rates, a variety of term lengths, and your principal investment is protected and guaranteed by NCUA insurance.
You’ll also benefit from:
- A dividend rate that’s guaranteed throughout the investment term
- Maximum return with dividends paid quarterly
- Quarterly statements detailing dividend earnings
At the end of the certificate term, you will receive a maturity notice with a 6-day grace period. You can select another term, add funds to your account, or allow your certificate to renew automatically.
As a Mirastar member, you can purchase a Certificate online. It’s quick, simple and secure. Let’s work together to invest in your future.
Earn high interest with a Money Market account.
Is a Money Market account right for you?
- Perfect for those looking to earn a higher return on an investment
- Doesn’t include the risks of stock market investing
- Competitive rates and convenient access to withdrawals
- Work with a knowledgeable financial service representative to choose the Money Market account that fits your financial plan
- A minimum investment starts at $2,5002
Which savings account is right for you?
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Best if you:
Best if you:
Membership Savings Account
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Best if you:
Want access to everything Mirastar has to offer and become a member of the credit union.
Certificates
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Best if you:
Want a safe and secure option to grow your money. Choose from a variety of terms that fit your financial goals.
Money Market Account
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Best if you:
Have $2,500 or more to deposit. You’ll receive a higher rate of return, with flexibility to access your money when you need it.
Open a savings account now.
Knowledge is powerful.
Understanding how to manage your money shouldn’t be complicated. Here’s a variety of topics designed to build your knowledge so you can make the best financial decisions possible.
Practical Budgeting Made Easy
How to Diversify Your Savings Portfolio with a Share Certificate
Travel Hacks: Road-Tripping for Less
Disclosures
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1Annual Percentage Yield (APY) is accurate as of 05/01/2024. APY assumes interest remains on deposit until maturity, any withdrawal will reduce earnings. The 11-Month Certificate requires a $500 minimum deposit. Certificates must be partially funded by new money (50% or more). Excludes IRA and ESA certificates. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. Certificate account will automatically renew at maturity to the 12-month 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. Mirastar Federal Credit Union reserves the right to cancel or modify this offer at any time without prior notice. This is a limited time offer.
2This 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. Should the deposit balance move from one tier to another, the corresponding stated dividend rates of those given tiers will be applied to calculate the dividends paid using the average daily balance method. 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. National Credit Union Administration, a U.S. Government Agency.