Retirement Accounts

Plan for your future dreams.

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Invest in your future, starting today.

Mirastar offers both Roth and Traditional IRAs for tax-deferred growth to help supplement your retirement savings plan. You deserve a prosperous future, and we’re here to help make it happen at any age.

Low minimum deposit

$500 is the minimum amount needed to open an IRA Certificate.

Flexible terms

You can open an IRA Certificate, from a term of 6 months, up to 48 months.

Retirement planning tools and education

Mirastar’s Retirement Central is a one- stop shop for smart retirement planning.

Start saving for your child’s future.

Education Planning Resources

Invest in Your Child’s Education. The Coverdell Education Savings Account is a great way to start building college education savings for your children or grandchildren under the age of 18.

Contribute up to $2,000 per tax year, per child until they turn 18 (exceptions apply). While contributions are not tax-deductible, earnings grow tax-free.

Funds used for higher education expenses are tax-free when withdrawn if the recipient is under 30.

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.

Calculate my earnings

Rates

Term Certificate Rates¹ as of May 1, 2024.

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 3.50%	Annual Percentage Yield¹ 3.55%
Account Type & Term 24 Month Term IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 3.25%	Annual Percentage Yield¹ 3.29%
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 3.50%	Annual Percentage Yield¹ 3.55%

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 05/01/2024. APY assumes interest remains on deposit until maturity, any withdrawal will reduce earnings. The 11-Month Certificate (Share Only) requires a $500 minimum deposit. 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 4.50%	Annual Percentage Yield 4.58%
Account Type & Term 12 Month Coverdell (ESA) IRA Certificate	Rate Type Fixed	Minimum Opening Balance $500	Minimum Earning Balance $500	Stated Dividend Rate 4.50%	Annual Percentage Yield 4.58%

Additional resources

Money Market

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

Learn more

Certificates

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.

Learn more

Open a Retirement Account today.

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