Community partnership

By working closely with our community partners, we provide crucial support for children, education, health, financial wellness and inclusion guided by our volunteer spirit.

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Become part of a community that uplifts its people

We’re for the people who rise each day with a vision of a better tomorrow – for themselves and for the world. We’re also committed to:

Serving our members

Every member is important to us. We work with our members to understand their financial needs and match them with financial products that fit their goals.

Empowering our community partners

We lift up our community partners so they can rise to any occasion. We have built a strong foundation within our communities, and we intend to keep fostering strong partnerships to create prosperity for all.

Strengthening your financial fitness

We want to understand your financial needs better and provide you with a customized plan you can put into action. Everyone’s financial journey is unique, so our goal is to provide you with all the necessary tools to make it a successful one.

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Mirastar vs. Traditional banks

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Mirastar
Federal Credit Union

  • Not-for-profit financial cooperative.

    Profits are returned to members in the form of better rates, low or no fees and greater service.

    Not-for-profit financial cooperative.

    Profits are returned to members in the form of better rates, low or no fees and greater service.

  • Members

    When you’re a Mirastar member, you’re also an owner. You get to vote on important credit union decisions, including the selection of credit union volunteer board members. 

    Members

    When you’re a Mirastar member, you’re also an owner. You get to vote on important credit union decisions, including the selection of credit union volunteer board members. 

  • Member owned

    Democratically governed. Every member gets one vote.

    Member owned

    Democratically governed. Every member gets one vote.

  • Led by a volunteer Board of Directors who are elected by the members.

    Led by a volunteer Board of Directors who are elected by the members.

  • NCUA Insured

    Deposits are NCUA Insured up to $250,000 and backed by the full faith and credit in the USG. 

    Offers a full range of financial products and services. 

    Membership requirements to join. 

    NCUA Insured

    Deposits are NCUA Insured up to $250,000 and backed by the full faith and credit in the USG. 

    Offers a full range of financial products and services. 

    Membership requirements to join. 

  • Cooperative

    Credit Unions are financial cooperatives. That means we work together toward one common goal– helping our members prosper.

    Cooperative

    Credit Unions are financial cooperatives. That means we work together toward one common goal– helping our members prosper.

Banks

  • Not-for-profit financial cooperative.

    Profits are returned to members in the form of better rates, low or no fees and greater service.

    For-profit traditional banking institution.

    Profits are generated for shareholders with no benefits to customers.

  • Members

    When you’re a Mirastar member, you’re also an owner. You get to vote on important credit union decisions, including the selection of credit union volunteer board members. 

    Customers

    You cannot join a bank, but anyone can be a customer. 

  • Member owned

    Democratically governed. Every member gets one vote.

    Investor/Shareholder Owned

    Banks are governed by their shareholders. Voting rights depend on the number of shares you own, leaving customers out of decisions.

  • Led by a volunteer Board of Directors who are elected by the members.

    Led by a paid Board of Directors who are elected by the shareholders.

  • NCUA Insured

    Deposits are NCUA Insured up to $250,000 and backed by the full faith and credit in the USG. 

    Offers a full range of financial products and services. 

    Membership requirements to join. 

    FDIC Insured

    Deposits are FDIC Insured up to $250,000 and backed by the full faith and credit of the USG. 

    Offers a full range of financial products and services. 

    Anyone can be a customer.

  • Cooperative

    Credit Unions are financial cooperatives. That means we work together toward one common goal– helping our members prosper.

    Competitive

    Banks are competitive. They compete with one another for your business and see you only as a number.

The evolution of Mirastar

Although our name, look and feel have changed, our organization, people and commitment to serving our members and the community have not. As a people-first organization, our mission remains to provide financial opportunities that uplift our members, build stronger communities, and create inclusive prosperity for all.

Learn more about us

Ways to join

Membership is available to employees and retirees of Santa Clara County.

Membership is extended to family members as well.

Mirastar offers membership to companies and organizations that do business with or receive funding from any Corporate Partner within our field of membership.

This includes your family members (spouses, children, parents, siblings, grandparents, grandchildren, step-siblings, step-children, adoptive relationships, and persons living in the same residence maintaining a single economic unit.

If you believe your company or agency qualifies for our credit union benefits or if you would like some additional information, please email Business Development or complete our Information Packet Request form.

Membership is available to employees of:

  • Santa Clara County Valley Medical Center
  • St. Louise Regional Hospital
  • O’Connor Hospital
  • Indian Health Center of Santa Clara Valley
  • Mayview Community Health Center
  • County of Santa Clara – In-Home Supportive Services (IHISS)

Don’t see your organization? Contact us to learn about all the health focused organizations we offer membership to.

Membership is available to students or employees of Santa Clara County Office of Education or any public school in Santa Clara County.

Membership is extended to family members as well.

 

If you do not qualify for membership as an employee of a Select Employer Group (SEG) or have an immediate family member that can sponsor you, you can choose to join Mirastar by becoming a member of the American Consumer Council – we’ll even cover the cost of your membership.

Established in 1987, the American Consumer Council (ACC) is dedicated to consumer education, advocacy, and financial literacy.
Learn more about the American Consumer Council at www.americanconsumercouncil.org.

To join, visit a branch or apply online.

It Pays To Share

Receive $100 for your New Member Referrals.*
Invite family members, coworkers, and friends to become a Mirastar Member. When they join you get rewarded!

Refer a member online

Join Mirastar today.

As a Mirastar member, you’ll become part of a strong financial community where our mission is to uplift our members, build stronger communities, and create inclusive prosperity for all.

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Open an account
Visit a branch
Find us nearby
Email or call us
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Disclosures

*Restrictions and conditions apply. Visit http://www.mirastarfcu.org/files/Member-Referral-Offer-Disclosure.pdf to learn more about Mirastar Federal Credit Union’s membership referral promotion terms and requirements. $100 referral offer deposited to the referring member’s Mirastar account 4 weeks after referred member satisfies all requirements for promotion. To qualify for promotion, referred member must be eligible for membership, establish a qualifying account and must not have had a membership with Mirastar during the preceding six months. Youth Accounts (Get Started, M3 Money Club) are not eligible for this promotion. Promotion subject to change without notice. This is a limited time offer. Valid 09/01/2024 – 12/31/2024.

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