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Welcome to Miramar Federal Credit Union

Online Connection    -    Savings and Checking   -   Loans   -   About Us   -  Calculators   -   Contact Us    -  
Apply for a Loan Online:
 Click Here To Access Our New ONLINE LOAN APPLICATION  We invite you to experience the speed, ease, and convenience of applying for an Auto, RV, Personal loan or MasterCard with our NEW and IMPROVED online Loan Application System.  Our highly secure system allows members to submit loan applications as well as check the status of their request. 

Miramar Federal Credit Union takes pride in offering you the most convenient, safe and secure method of purchasing foreign currency for 100+ countries without paying exorbitant fees found in airports, hotels and currency exchange outlets found throughout the world. We've partnered with to provide you with this valuable service.  Click here for more information.

Make Deposits, Withdrawals and Loan Payments at a Shared Branch Network
There are currently 29 CU Service Centers in San Diego and hundreds more across the United States.  Check deposits (up to 10 at one time) are free from fees.  Cash withdrawals are also free but are limited to $500.   To find a location near you, call toll free (888) 287-9475 or visit the website at for more information about the service available. (1)
Locate a Surcharge Free ATM - Miramar offers two ATM networks that are surcharge free.

CO-Op ATM Locations, Including many selected 7-Eleven stores with Vcom® units. With the Vcom® units you'll be able to perform many transactions you would normally perform with a teller with the added convenience of doing your banking 24/7!

Many ATM CO-OP locations offer check deposit services.  Mobile Apps available at this site.



The MoneyPass Network also provides you with Fee Free access to your funds.. 

For a location near you, click on the MoneyPass Icon.  Mobile Apps available at this site.



Most MoneyPass ATM's now accept deposits. For ATM's that take deposits, just click on the box that indicates "Show only ATM's With"  "Deposit Taking"  in the search site.



Invest in America - GM and Chrysler Credit Union Member Discounts

There’s never been a better time for credit union members to Invest in America. That’s why credit unions have teamed up with Invest in America to offer members great discounts on many services and discounts.


All eligible current and new credit union members have the unique opportunity to get a great discount on a new vehicle from GM. While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal.  The deal gets even better when you finance your vehicle with us. Thanks to our lower interest rates, your savings will really add up.


Plus get discounts on many other services or products from Sprint, Dell, ShopAmerica and more. 

Ways to Avoid Foreclosure
If you find yourself unable to manage your home loan payments, Click Here to find out information that could help you. 

Miramar Federal Credit Union wants to help you stay in your home whenever possible. Our goal is to find an arrangement that is in the best interest of all parties involved.  Contact us at (800) 640-1228 for more information on possible workout solutions.

You have the right to use a third party, such as a counseling service or attorney, to assist you with this process. Should you choose this option, please complete a consent form, which is required from you in order for us to speak with them.

Retirement Central -IRA Options

Retirement Central - If you’re new to retirement planning, this is a great place to start. You’ll find information and interactive tools to guide you through the planning process and help you estimate how much money you need, how fast your savings may grow, create a strategy to achieve your goals and determine what type of IRA best fits your needs.

BalanceTrack Personal Finance Education Center

BalanceTrack offers education modules that will guide you through the core aspects of personal financial management. By completing the available courses, you will move toward financial success and sound money managementnt

Security and Privacy Links

Review our security and privacy links at our "Online Connection" page. Phishing continues to be a problem that needs to be understood by all members.  Remember, we never solicit personal/private information via e-mail so Never click on the link provided in an e-mail you believe is fraudulent.

Freedom Checking

Freedom Checking, Check out the features of our checking account.  No minimum balances, no monthly fees, dividends on balances over $1,500, no direct deposit requirements, direct deposit posted one day early and much more!!

Identity Theft 911TM

We now offer America’s premier identity theft resolution experts, should you ever need them. You will have a dedicated fraud specialist working with you one-on-one until your crisis is resolved, along with proactive tips to help you stay ahead of identity thieves. Learn more about this exciting new services and ways to help protect you and your family by clicking here. 


BALANCE Financial Fitness Program

Miramar Federal Credit Union wants to help you achieve your financial goals, whether that means getting out of debt, sending the kids to college, buying your first home, or retiring. That's why we provide access to free and confidential financial counseling and education through BALANCE, a financial fitness program available to credit union members. With this program, you'll have access to professional, confidential money management information and counseling six days a week.


Balance is a financial education and counseling service committed to helping individuals and families nationwide take control of their finances and reach their goals.  On their web site you will find information about what they do, who they are and how they can help you master your money. You may also want to check out their financial education center for articles on a wide variety of credit and financial topics, and a full suite of other on-line tools and resources. (1)

Insured Savings

All of our accounts are insured by the National Credit Union Association (NCUA) up to $250,000.

Your Savings Insured

up to $250,000




Equal Housing Opportunity Lender


(1) By clicking on the link, you will be leaving the Miramar Federal Credit Union website. The Credit Union is not responsible for the privacy practices or the content of other websites. In no event will the Credit Union be liable for problems arising from the use of the Miramar FCU website to link to other websites, including but not limited to computer viruses, loss of data, delay in operation or transmission or loss of privacy.
Apply for a Loan

Apply for Membership

Current Savings Rates

Contact Us

Office Hours:

M-F: 9:00 to 5:00


Call us at:
800-640-1228 or

Our Telephone  Center Representatives will be glad to help you @ Ext 0


Lost/Stolen Debit Card or ATM Card (24/7):


From International Location, Call Collect:



Lost/Stolen MasterCard (24/7):





Mailing Address:
Miramar FCU
P.O. Box 261370
San Diego, CA 92196-1370

Main Office:
Miramar FCU
9494 Miramar Rd
San Diego, CA 92126


Office Hours:

M-F: 9:00 to 5:00


M-F: 8:30 to 9:00


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