The Mirastar Federal Credit Union is a personal credit card from Mirastar Federal Credit Union. The annual fee is No annual fees. The ongoing APR is 14.49% Variable APR (Prime Rate + 7.74%; APRs as of 03/01/2026) after a Introductory 1.99% APR on Balance Transfers for 12 months (after that, 14.49%) introductory rate.