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.
Celebrating 75 Years of Community Banking. Introducing Our Limited Time Diamond Certificate!
Shine with Mirastar. Earn Up to 4.50% APY* on a 7-month Diamond Certificate*. Offer valid through July 31, 2025.
*Limited time offer.
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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7-Month Diamond Certificate – Limited Time Offer
*The Mirastar Federal Credit Union (Mirastar) 7-Month Diamond Certificate is offered to existing Mirastar members at an Annual Percentage Yield (APY) of 4.25%. To receive the additional bonus of 0.25% APY offered on the 7-Month Certificate, the certificate must be established with a minimum opening deposit of $500.00 funded by 50% or more of new money. New money is considered as funds not previously held in a Mirastar account. Example: If 7-Month Diamond Certificate is opened with a $1,000.00 balance, $500.00 of the balance is required to be new money. There is no limit to how many 7-Month Diamond Certificates a member can open or a maximum amount which a member can open the 7-Month Diamond Certificate if the new money requirement is met. IRA and ESA accounts are excluded from this promotion.
This is a limited time offer and is valid beginning 06/01/2025. Offer valid through July 31, 2025. This offer is subject to change or cancellation without prior notice. For questions regarding membership eligibility, please contact us at 800-282-6212. Federally insured by NCUA.
Additional Disclosures
An Early Withdrawal Penalty will apply for withdrawal before the maturity date. Certificate accounts are subject to membership eligibility, terms, and fees. The 7-Month Diamond 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. 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.
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.
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.