Mirastar Federal Credit Union

Headquarters: San Jose, California
Charter: Credit Union
Assets: $1.0B
Fed district: San Francisco

12 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 11, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Mirastar Federal Credit Union: $24
Mirastar Federal Credit Union: $24
U.S. median: no median
NSF / Returned Item
Mirastar Federal Credit Union: $24
Mirastar Federal Credit Union: $24
U.S. median: no median
Wire Transfer (Domestic Out)
Mirastar Federal Credit Union: $25
Mirastar Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Mirastar Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Reconciliation/Research Fee (1)$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay (Overdraft) Fee for Paid NSF, ACH, Check, or EFT Item$24
per item
NSF Fee for Returned ACH or Check Item$24
per item

ATM & Card

International Transaction Fee (audience not stated, treated as personal)2%of the transaction

Wire Transfers

Domestic Outgoing Wire$25
Incoming Wire TransferNo charge
International Outgoing Wire Transfer Fee (Outside US)$30

Check Services

Cashier’s Check$5
Stop Payment (2)$20
Non-Member Check Cashing$10

Cash & Deposit

Returned Deposit FeeNo charge

Account Services

Levy Processing Fee$30
Verification of Deposit Letter (VOD) (3)$10

Retirement & IRA

IRA Closure/Termination Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation/Research Fee (1)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay (Overdraft) Fee for Paid NSF, ACH, Check, or EFT Item	$24	per item	None
NSF Fee for Returned ACH or Check Item	$24	per item	None
ATM & Card
International Transaction Fee (audience not stated, treated as personal)	2%of the transaction	Not stated	None
Wire Transfers
Domestic Outgoing Wire	$25	Not stated	None
Incoming Wire Transfer	No charge	Not stated	None
International Outgoing Wire Transfer Fee (Outside US)	$30	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Stop Payment (2)	$20	Not stated	None
Non-Member Check Cashing	$10	Not stated	None
Cash & Deposit
Returned Deposit Fee	No charge	Not stated	None
Account Services
Levy Processing Fee	$30	Not stated	None
Verification of Deposit Letter (VOD) (3)	$10	Not stated	None
Retirement & IRA
IRA Closure/Termination Fee	$30	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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