Momentum Savings Account

Reach your savings goals with a Momentum Savings account.

Open a Momentum Savings Account Not a member yet? Join Mirastar.

Start your 2026 savings journey with a new account where progress comes with perks.

Helping you build a financial safety net is our priority. Momentum Savings accelerates your progress with monthly opportunities to win cash prizes.* Save with a chance to win monthly and quarterly cash, plus a $10,000 annual grand prize. When you save with Mirastar, you aren’t just earning dividends. You’re building momentum for your future.

Start building momentum today.

Open a Momentum Savings account and watch your money and your winning potential grow. Here is how to get started:

Open your account online

It takes just minutes to apply online. Existing members can add Momentum Savings instantly through online banking. No paperwork required.

Fund your Momentum Savings account

Maximize your returns from day one. Deposit funds to your new Momentum Savings account.

Save to Win*

After your balance reaches $500 for every $25 you save, you automatically receive an entry into our monthly, quarterly, and annual prize drawings.

Win in Drawing*

Get ready to celebrate. We hold drawings every month for $1,000, every quarter for $5,000, and an annual grand prize of $10,000.

Open a Momentum Savings account

Save Money. Win Big.

Momentum Savings turns the habit of saving into a thrill with automatic entry into our ‘Save to Win’ drawings.

Enjoy the thrill of winning $1,000 monthly, $5,000 quarterly, or $10,000 annually without risking a penny of your principal. It’s fully insured, totally safe, and potentially huge. There is no risk. Your money is in a Momentum Savings account, stays yours, and fully insured by the NCUA.

View full terms and official rules

Which savings account is right for you? How does Momentum compare?

Goal

Goal
Liquidity

Liquidity
Perks

Perks

Momentum Savings

Goal

Want high access + chance to win prizes.
Liquidity

High access
Perks

Drawing prize entries*

Regular Savings

Goal

Membership requirement + basic savings.
Liquidity

High access
Perks

Member ownership

Today’s rates

Share Savings – Savings Account Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Earning Balance	Stated Dividend Rate	Annual Percent Yield
¹This is a variable rate account. The dividend rates and Annual Percentage Yield (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. 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. ²Momentum Savings: Must be 18 years of age or older. Receive one (1) entry for every $25 monthly average balance for monthly, quarterly and annual prize drawings. A minimum of $500 average monthly daily balance is required to be eligible for prizes. Restrictions apply. See the Official Momentum Entry Rules at https://www.mirastarfcu.org/files/Official-Mirastar-Momentum-Savings-Account-Prize-Entry-Drawing-Rules.pdf for details. Winners will receive a 1099-MISC at the end of each year for tax reporting if winning amount meets tax reporting requirements. Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type Regular	Rate Type Variable¹	Minimum Opening Balance $1	Minimum Earning Balance $1	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%
Account Type Momentum²	Rate Type Variable¹	Minimum Opening Balance $1	Minimum Earning Balance $1	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%
Account Type Youth	Rate Type Variable¹	Minimum Opening Balance $1	Minimum Earning Balance $1	Stated Dividend Rate 0.10%	Annual Percent Yield 0.10%

Money Market Account¹ Rates
Account Type	Rate Type	Minimum Opening Balance	Minimum Opening Balance	Annual Percent Yield
¹This 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. 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. Dividend Rate Schedule Fee Schedule Truth In Savings Disclosure
Account Type Money Market	Rate Type Variable¹	Minimum Opening Balance $2,500	Minimum Opening Balance $2,500	Annual Percent Yield 0.75%

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%

FAQs

You automatically earn entries based on your account balances and savings activity:

Monthly Drawing

1 entry for every $25 in your average monthly daily balance
Minimum $500 average monthly balance required to earn entries

Quarterly Drawing

You receive the total number of monthly entries earned during the quarter

Annual Drawing

You receive the total number of monthly entries earned during the year

Drawing Details

Monthly: Within 14 days after month-end
Quarterly: April, July, October, and January
Annual: Within 14 days after year-end

All prizes are cash and deposited directly into your Mirastar Momentum Savings Account.

To earn entries and win a prize, you must:

Be a Mirastar Federal Credit Union member
Be at least 18 years old
Have an open and active Mirastar Momentum Savings Account
Have no loans 60+ days delinquent
Have no past or present losses with the Credit Union

The following are not eligible to receive drawing entries:

Businesses, organizations, or trusts
Mirastar FCU employees, volunteers, board members, Supervisory Committee members, advisory board members, and their immediate household/family
Former Mirastar FCU employees, volunteers, board members, Supervisory Committee members, advisory board members, and their immediate household/family are not eligible until 12 months after separation date.

If you no longer meet eligibility requirements (ex: delinquent loan):

Your account may be converted to a standard sub savings account OR
You may keep the account, but new deposits will not generate entries

Mirastar FCU will contact winners using the information on file via:

Phone
Email
Mail
In person (when applicable)

A valid government-issued ID is required to claim your prize.

Yes. Prize winnings may be reported to the IRS on a 1099-MISC, and you are responsible for any applicable taxes. You will be required to complete a IRS W-9 form for total prize winnings over $2,000 yearly.

Only the primary member whose taxpayer identification number is listed on the account will be reported as the winner.

Open a savings account now.

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Disclosures

*Membership in Mirastar Federal Credit Union is required. Initial deposit may be required to establish an account. For full terms, conditions, and official drawing rules, refer to the current Momentum Savings Official Rules, Fee Schedule, Truth In Savings Disclosure, and Membership and Account Agreement.