Certificates

Experience the power of a Mirastar Certificate.

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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.

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.

Calculate my earnings

Term Certificate Rates

Term Share Certificate Rates
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield¹
¹The 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 09/02/2025. 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: Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure Membership And Account Agreement
Account Type & Term 3 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.50%	Annual Percentage Yield¹ 2.52%
Account Type & Term 6 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.75%	Annual Percentage Yield¹ 2.78%
Account Type & Term 12 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 24 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 36 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 48 Month Share Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%

Traditional, Roth, and Coverdell (ESA) Term IRA Certificate Rates¹
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield¹
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. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate Accounts are subject to approval, terms, and fees. 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. Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type & Term 6 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 2.75%	Annual Percentage Yield¹ 2.78%
Account Type & Term 12 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 24 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 36 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 48 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%
Account Type & Term 12 Month Term IRA Certificate¹Youth Roth IRA and Youth ESA	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield¹ 3.03%

Youth Roth IRA and Youth ESA Term IRA Certificate
Account Type & Term	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percentage Yield
^Annual Percentage Yield (APY) is accurate as of 12/16/2024. APY assumes interest remains on deposit until maturity, any withdrawal will reduce earnings. 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. Santa Clara County Federal Credit Union reserves the right to cancel or modify this offer at any time without prior notice. This is a limited time offer. 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. An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate Accounts are subject to approval, terms, and fees. 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. Dividend Rate Schedule* Fee Schedule Truth In Savings Disclosure
Account Type & Term 12 Month Roth Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield 3.03%
Account Type & Term 12 Month Coverdell (ESA) IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.00%	Annual Percentage Yield 3.03%

Save for your future.

Our Savings account and Money Market account are also great options to help you achieve your financial goals.

Savings Accounts

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.

Learn more

Money Market

Money Market accounts are a secure way to grow your money without experiencing the ups and downs of the stock market.

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Open a Certificate today.

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Disclosures

Disclosures

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 09/02/2025. 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:

Dividend Rate Schedule

Fee Schedule

Truth In Savings Disclosure

Membership Agreement