Certificates
Experience the power of a Mirastar Certificate.
7-Month Certificate at 4.25% APY*
In uncertain times, it’s crucial to find reliable ways to grow your savings. Our 7-Month Certificate offers a competitive 4.25% APY, providing a stable and beneficial option for your financial growth. Whether you’re aiming for a big purchase or solidifying your financial foundation, we are committed to supporting your financial success. Take advantage of this limited time offer.*
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.
Open a Certificate today.
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.