If you're already a Mirastar Federal Credit Union member, here's a sweet deal: you can earn $100 just by referring a friend or family member to open an account. And guess what? They get $100 too. It's a win-win. The offer runs through September 30, 2025, so you've got a little time, but not forever. Let me break down what you need to know.
Who Can Join Mirastar?
You might think credit unions are only for people in certain areas or industries, but Mirastar has a pretty broad membership policy. You qualify if you're an active or retired employee of Santa Clara County, work for one of their corporate partners, or are a healthcare worker. Students, faculty, and staff in Santa Clara County also get in.
Don't fit any of those? No worries. You can join through the American Consumer Council (ACC), and Mirastar covers the cost. That means anyone in the U.S. can become a member. So this referral bonus is effectively nationwide.
How to Snag the $100 Bonus
The process is straightforward, but you need to follow the steps carefully. First, the person you refer must open both a Share Savings account (with at least $1) and a Checking account. Then, they need to set up direct deposits totaling at least $500 within the first 60 days of membership. Both you and your friend also have to enroll in digital banking.
Once all that's done, the $100 will be deposited into each of your accounts within 90 days. Just make sure your friend mentions your referral when they open the account — if they don't, you won't get the bonus. Also, you can only earn up to $500 in referral bonuses per year, so plan your referrals accordingly.
Things to Watch Out For
A few fine-print details are worth noting. The referred person can't have been a Mirastar member in the last six months. Both parties must be at least 18. And if you think a bonus is missing, you have to email bd@mirastarfcu.org within 90 days of the account opening to claim it.
Also, Mirastar employees and volunteers can't participate. And remember, the bonus is taxable — Mirastar will report it as required by law, so you'll need to handle that come tax time. There's no mention of an early account closure fee, but it's always smart to keep the account open for at least a few months to avoid any issues.
Bottom Line
- Refer a friend and you both get $100 — a rare double-sided bonus.
- Requires $500 in direct deposits within 60 days, plus digital banking enrollment.
- Offer ends September 30, 2025 — don't wait too long.
- Membership is open nationwide via the American Consumer Council.
- Referrer can earn up to $500 per year in referral bonuses.
Common Questions
Can I refer multiple people?
Yes, but you can only earn up to $500 in referral bonuses per calendar year. So you could refer up to five people and get $100 each.
What counts as a direct deposit?
Typically, payroll deposits, government benefits, or pension payments. Transfers from other accounts usually don't count. Check with Mirastar if you're unsure.
Is there a monthly fee on the checking account?
The offer terms don't mention any monthly fees, but it's always a good idea to confirm with the credit union when you open the account.
What if I don't have a referral code?
You need to be referred by an existing Mirastar member. If you don't know one, you might ask friends or family — or check online forums where members share referral links.
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