Mission Federal Credit Union

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 11^th largest credit union in the state of California. It is also the 55^th largest credit union in the nation. It was established in 1961 and as of September of 2022, it had grown to 615 employees and 286,454 members at 34 locations. Mission Federal Credit Union's CD rates are 3X 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, or attend school in San Diego County. (Membership requirements are listed in the credit union's online application)
See current membership details

View all posts from:

2010
2009
2006

10/25 - 5-Year Jumbo CD & IRA CD At Mission Federal Credit Union In San Diego

1/20 - 3.33% 9-Month CD at Mission FCU in San Diego

9/17 - 6.00% 3-Month CD at a California CU (Missions FCU).

Reviews (2)

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Mission Federal Credit Union better than banks

Posted by: Lucinda | Jun 23, 2014

I've been a Mission Federal member for over 20 years, and I have never had a problem. The tellers have always been courteous and helpful. Even when a mistake was made, which happens (funds were put in the wrong account) when I returned to correct the error they were very helpful and made the necessary correction right away, which I doubt one would encounter at a bank. And just recently when there was an issue with my business account which needed my attention Mission Federal emailed me right away to inform me.

I would tell anyone who is fed up with banks to give Mission Federal a try. Great staff and great service. What more can you ask for?

Comment

Do Not Apply If You Anticipate Getting Any Kind Of Credit Elsewhere In The Next 2 Years.

Posted by: planxy | Sep 18, 2020

CSR e-mailed me that Mission requires a hard pull against your credit for all who apply. Even if intending to be a non-borrowing member. A no-no for me.

Comment

Health

A+

Data as of Q3 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	14384
Year Chartered	1961
Employees	615
Primary Regulator

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	10.45%
Annual Interest Income	$103.7MM

Assets and Liabilities
Assets	Q3 2022vs Q3 2021	$5.73B$5.17B
Loans	Q3 2022vs Q3 2021	$4.15B$2.89B
Deposits	Q3 2022vs Q3 2021	$4.79B$4.49B
Equity Capital	Q3 2022vs Q3 2021	$561.5MM$611.9MM
Loan Loss Allowance	Q3 2022vs Q3 2021	$27.7MM$24.1MM
Unbacked Noncurrent Loans	Q3 2022vs Q3 2021	$1.9MM$2.7MM
Real Estate Owned	Q3 2022vs Q3 2021	$0$0

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Mission Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
2.25%	-	-	Special Rate Account
2.25%	-	-	Business Special Rate Account
0.50%	-	-	Summer Club Savings w/ Direct Deposit
0.50%	-	-	Holiday Saver w/ Direct Deposit
0.25%	-	-	Summer Club Savings w/o Direct Deposit
0.25%	-	-	Holiday Saver w/o Direct Deposit
0.03%	$1	-	Savings Account
0.03%	-	-	IRA Savings
0.03%	-	-	Roth IRA Savings
0.03%	-	-	Coverdell Education Savings
0.03%	-	-	Business Savings Account

Mission Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$225k^*	-	High Yield Money Market
OTHER TIERS: 0.10% → Up to $50k \| 0.20% → $50k - $100k \| 0.30% → $100k - $225k
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$500	-	Smart Checking
0.03%	$10k	-	Business Dividend Checking

Mission Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.35%	$2k	$1m	14 Month CD Special
4.35%	$2k	$1m	Business 14 Month CD Special
3.70%	$2k	$1m	8 Month CD Special
3.70%	$2k	$1m	Business 8 Month CD Special
2.70%^*	$100k^*	-	12 Month CD
OTHER TIERS: 2.60% → $2k - $10k \| 2.65% → $10k - $100k
2.70%^*	$100k^*	-	18 Month CD
OTHER TIERS: 2.60% → $2k - $10k \| 2.65% → $10k - $100k
2.70%^*	$100k^*	-	Business 12 Month CD
OTHER TIERS: 2.60% → $2k - $10k \| 2.65% → $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^*	-	6 Month CD
OTHER TIERS: 1.95% → $2k - $10k \| 2.00% → $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 6 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
1.04%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.95% → $2k - $10k \| 1.00% → $10k - $100k
1.04%^*	$100k^*	-	Business 3 Month CD
OTHER TIERS: 0.95% → $2k - $10k \| 1.00% → $10k - $100k

Mission Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.70%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 2.60% → $2k - $10k \| 2.65% → $10k - $100k
2.70%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 2.60% → $2k - $10k \| 2.65% → $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^*	-	6 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
1.04%^*	$100k^*	-	3 Month IRA
OTHER TIERS: 0.95% → $2k - $10k \| 1.00% → $10k - $100k

Locations

Availability

San Diego Area

San Diego Area bank & credit union details

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