
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 $1
Make a deposit of $1 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 more 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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*Membership in Mirastar Federal Credit Union is required. Initial deposit may be required to establish an account. Checking does not have a minimum balance required to maintain account, but membership balance is required to be held in Regular Shares savings account. The term ‘Free’ refers to the absence of monthly maintenance fees. Other fees, such as those for overdrafts or additional services, may still apply. For full terms and conditions, refer to the Fee Schedule, Truth In Savings Disclosure and Membership and Account Agreement at https://www.mirastarfcu.org/disclosures/. Review a copy of the current Fee Schedule, Truth In Savings Disclosure, or Membership and Account Agreement.
Maintenance fees such as Transaction, NSF and/or Overdraft fees may apply. See Fee Schedule and Terms and Conditions denoted under Free Checking* Account of the Truth in Savings Disclosure for more information.
ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including participating 7-11 stores) and POS, $1,000.00 withdrawal limit per day.
*Annual Percentage Yield (APY) is accurate as of 2/3/2025. APY assumes interest remains on deposit until maturity, any withdrawal will reduce earnings. The 7-Month Certificate (Share Only) requires a $500 minimum deposit. New money must partially fund certificates (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. The certificate account will automatically renew at maturity to the 6-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 without prior notice. This is a limited time offer. Valid 02/03/2025 – 3/31/2025. Offer to lock in a 4.25% APY rate on a 7-month Certificate.
1The dividend rate and annual percentage yield stated for the term accounts listed are offered within the most recent seven calendar days and were accurate as of the above date. Annual Percentage Yield (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. 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.