Overview / Commentary
1391 Franklin St
Santa Clara, CA 95050

Mission City Federal Credit Union is headquartered in Santa Clara and is the 150th largest credit union in the state of California. It is also the 1,616th largest credit union in the nation. It was established in 1959 and as of June of 2018, it had grown to 16 employees and 4,916 members at 1 location. Mission City Federal Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, students, alumni, and volunteers of Santa Clara University and employees and volunteers of the city of Santa Clara.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Mission City Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #13131
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD7.16%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$99.9MM$96.6MM
LoansQ2 2018vs Q2 2017$65.2MM$59.2MM
DepositsQ2 2018vs Q2 2017$91.4MM$88.4MM
Equity CapitalQ2 2018vs Q2 2017$7.9MM$7.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$71.00K$109.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$510.00K$4.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mission City Federal Credit Union Savings Account Rates

0.15%$10-Regular Shares
0.15%$5-Secondary Shares
0.15%$5-Holiday Club
0.15%$5-Vacation Club

Mission City Federal Credit Union Money Market Rates

3.00%*$2k*$10kMoney Market Account
OTHER TIERS: 0.25% $100k+ | 0.50% $10k - $100k

Mission City Federal Credit Union Checking Account Rates

2.00%-$10kYield Plus Checking - Qualifying
0.10%$300-Interest Checking

Mission City Federal Credit Union CD Rates

2.50%$2.5k-13 Month Share Certificate Special - New Money
1.80%$100k-24 Month Jumbo Share Certificate
1.75%$2.5k-24 Month Share Certificate
1.60%$2.5k-12 Month Share Certificate
1.15%$2.5k-6 Month Share Certificate
1.00%$2.5k-3 Month Share Certificate

Mission City Federal Credit Union IRA Rates

2.50%$500-13 Month IRA Certificate Special - New Money
1.80%$100k-24 Month Jumbo IRA Certificate
1.75%$500-24 Month IRA Certificate
1.60%$500-12 Month IRA Certificate
1.15%$500-6 Month IRA Certificate
1.00%$500-3 Month IRA Certificate

Mission City Federal Credit Union Locations
Branch Office1391 Franklin StSanta Clara, CA 95050-4710

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