Mission Federal Credit Union


Overview / Commentary
858-524-2850
10325 Meanley Dr
San Diego, CA 92131

Mission Federal Credit Union is headquartered in San Diego and is the 10th largest credit union in the state of California. It is also the 51st largest credit union in the nation. It was established in 1961 and as of March of 2024, it had grown to 610 employees and 307,670 members at 35 locations. Mission Federal Credit Union's CD rates are 5X the national average, and it has 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 (3)

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.

Mission Federal Credit Union better than banks

Posted by: |

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?

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

Posted by: |

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.



Health

Health Grade Components

Overall
NCUA #14384
Year Chartered1961
Employees610
Primary Regulator
Profit Margin
Return on Assets - YTD0.77%
Return on Equity - YTD7.69%
Annual Interest Income$67.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$6.59B$6.09B
LoansQ1 2024vs Q1 2023$4.45B$4.2B
DepositsQ1 2024vs Q1 2023$5.65B$5.21B
Equity CapitalQ1 2024vs Q1 2023$639.4MM$577.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$54.1MM$52.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.2MM$3.7MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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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

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-IRA Savings
0.03%$0-Roth IRA Savings
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
4.75%$2k$1m10 Month CD Special
4.75%$2k$1mBusiness 10 Month Share CD Special
4.35%$2k-12 Month CD
4.35%$2k-Business 12 Month CD
4.25%$2k$1m7 Month CD Special
4.25%$2k$1mBusiness 7 Month CD Special
4.05%*$100k*-6 Month CD
OTHER TIERS: 3.95% $2k - $10k | 4.00% $10k - $100k
4.05%*$100k*-Business 6 Month CD
OTHER TIERS: 3.95% $2k - $10k | 4.00% $10k - $100k
3.75%$2k$1m25 Month Bump Up CD Special
3.10%*$100k*-3 Month CD
OTHER TIERS: 3.00% $2k - $10k | 3.05% $10k - $100k
3.10%*$100k*-Business 3 Month CD
OTHER TIERS: 3.00% $2k - $10k | 3.05% $10k - $100k
3.05%*$100k*-24 Month CD
OTHER TIERS: 2.95% $2k - $10k | 3.00% $10k - $100k
3.05%*$100k*-Business 24 Month CD
OTHER TIERS: 2.95% $2k - $10k | 3.00% $10k - $100k
2.70%*$100k*-18 Month CD
OTHER TIERS: 2.60% $2k - $10k | 2.65% $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
4.35%$2k-12 Month IRA
4.05%*$100k*-6 Month IRA
OTHER TIERS: 3.95% $2k - $10k | 4.00% $10k - $100k
3.10%*$100k*-3 Month IRA
OTHER TIERS: 3.00% $2k - $10k | 3.05% $10k - $100k
3.05%*$100k*-24 Month IRA
OTHER TIERS: 2.95% $2k - $10k | 3.00% $10k - $100k
2.70%*$100k*-18 Month IRA
OTHER TIERS: 2.60% $2k - $10k | 2.65% $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
Locations

Availability



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