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Mission Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.missionfed.com
858-524-2850
10325 Meanley Dr
San Diego, CA 92131

Mission Federal Credit Union is headquartered in San Diego and is the 9th largest credit union in the state of California. It is also the 53rd largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 652 employees and 318,716 members at 35 locations. Mission Federal Credit Union's CD rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Mission Federal Credit Union is open to those who live, work, worship, or attend school in San Diego County, California.
See current membership details

Reviews (1)

I Love MFCU

Posted by: |

I love MFCU. I've also been a Customer for just about 20 years. They financed my home and have been my Financial partner for a huge chunk of my life.

I don't think I have ever paid any service charge for anything ever at my CU. It honestly feels like a trusted Member of my Family.

3


Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #14384
Year Chartered1961
Employees652
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD6.32%
Annual Interest Income$72.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.83B$6.59B
LoansQ1 2025vs Q1 2024$4.77B$4.45B
DepositsQ1 2025vs Q1 2024$5.98B$5.65B
Equity CapitalQ1 2025vs Q1 2024$731.8MM$639.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$58.4MM$54.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9MM$7.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mission Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$0-Special Rate Account
2.25%$0-Business Special Rate Account
0.50%$0-Summer Club Savings w/ Direct Deposit
0.50%$0-Holiday Saver w/ Direct Deposit
0.25%$0-Summer Club Savings w/o Direct Deposit
0.25%$0-Holiday Saver w/o Direct Deposit
0.03%$1-Savings Account
0.03%$0-Coverdell Education Savings
0.03%$0-Business Savings Account

Mission Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$25k*-Ultra Money Market
OTHER TIERS: 0.03% → $0 - $25k
0.05%*$50k*-Money Market Account
OTHER TIERS: 0.03% → $2.5k - $50k
0.05%*$50k*-Business Money Market Account
OTHER TIERS: 0.03% → $2.5k - $50k

Mission Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Smart Checking
0.03%$10k-Business Dividend Checking

Mission Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500$1mBusiness 7 Month CD Special
4.00%$500$1m7 Month Flex Promo Certificate
3.70%*$100k*-12 Month CD
OTHER TIERS: 3.60% → $2k - $10k | 3.65% → $10k - $100k
3.70%*$100k*-Business 12 Month CD
OTHER TIERS: 3.60% → $2k - $10k | 3.65% → $10k - $100k
3.55%*$100k*-6 Month CD
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
3.55%*$100k*-18 Month CD
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
3.55%*$100k*-Business 6 Month CD
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
3.55%*$100k*-Business 18 Month CD
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
2.80%*$100k*-3 Month CD
OTHER TIERS: 2.70% → $2k - $10k | 2.75% → $10k - $100k
2.80%*$100k*-Business 3 Month CD
OTHER TIERS: 2.70% → $2k - $10k | 2.75% → $10k - $100k
2.55%*$100k*-24 Month CD
OTHER TIERS: 2.45% → $2k - $10k | 2.50% → $10k - $100k
2.55%*$100k*-Business 24 Month CD
OTHER TIERS: 2.45% → $2k - $10k | 2.50% → $10k - $100k
2.05%*$100k*-36 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-48 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-60 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-Business 36 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-Business 48 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-Business 60 Month CD
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k

Mission Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.70%*$100k*-12 Month IRA
OTHER TIERS: 3.60% → $2k - $10k | 3.65% → $10k - $100k
3.55%*$100k*-18 Month IRA
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
3.55%*$100k*-6 Month IRA
OTHER TIERS: 3.45% → $2k - $10k | 3.51% → $10k - $100k
2.80%*$100k*-3 Month IRA
OTHER TIERS: 2.70% → $2k - $10k | 2.75% → $10k - $100k
2.55%*$100k*-24 Month IRA
OTHER TIERS: 2.45% → $2k - $10k | 2.50% → $10k - $100k
2.05%*$100k*-36 Month IRA
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-60 Month IRA
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
2.05%*$100k*-48 Month IRA
OTHER TIERS: 1.95% → $2k - $10k | 2.00% → $10k - $100k
0.03%$0-IRA Savings
0.03%$0-Roth IRA Savings
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