|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Mission Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Mission Federal Credit Union's Promotional CD - 11-Month Flex rates are at 4.00%, Promotional CD - 5-Month rates are at 3.85%, 12 Month Standard CD rates are at 3.15%, 6 Month Standard CD rates are at 3.15%, 3 Month Standard CD rates are at 2.80%. Mission Federal Credit Union's savings rates are at 2.15%. Mission Federal Credit Union's money market rates are at 2.40%. Mission Federal Credit Union's checking rates are as high as 0.03%. Mission Federal Credit Union's 3/1 ARM rates are at 5.75%, 5/5 ARM rates are at 5.75%, 30 Year Fixed rates are at 7.25%, 30 Year Fixed Jumbo rates are at 9.50%. Mission Federal Credit Union's Personal Loan Rates are as low as 10.24%. Mission Federal Credit Union's Credit Card Rates are at 11.99%. Mission Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Mission Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates last updated and verified on 10/29/2026. Mission Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mission Federal Credit Union? Share your experience about Mission Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mission Federal Credit Union. Mission Federal Credit Union
Meanley HQ Building 1 10325 Meanley Dr
https://www.missionfed.com San Diego, CA 92131-3011  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Mission Federal Credit Union CD Rates
Mission Federal Credit Union Savings Rates
Mission Federal Credit Union Money Market Rates
Mission Federal Credit Union Checking Rates
Mission Federal Credit Union Mortgage Rates
Mission Federal Credit Union Home Equity & HELOC
Mission Federal Credit Union Auto Loan Rates
Mission Federal Credit Union RV, Boat and Powersport Loan Rates
Mission Federal Credit Union Credit Card Rates
Mission Federal Credit Union Personal Loan Rates
Mission Federal Credit Union Other Rates
Financial Health HistoryMission Federal Credit Union’s Texas Ratio stayed near 0.44% in Q3 2023 to 0.79% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Mission Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Mission Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Mission Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Mission Federal Credit Union
Website
https://www.missionfed.com
Address
10325 Meanley Dr,
San Diego, CA 92131-3011
Phone
800-500-6328
Fax
President
Malliga Tholandi
CEO
Doug Wright
Full-Time Employees
657
Part-Time Employees
49
Branch Locations
34
ATM Locations
35
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.79%
Return on Assets (ROA)
0.5760%
Return on Equity (ROE)
4.6933%
Non-Performing Loans Ratio (NPL)
0.15%
Total Assets
7,287,344,737
Total Amount of Shares and Deposits
6,349,596,454
Total Shares and Deposits < 1 Year
6,308,476,476
Total Shares and Deposits 1 3 Years
34,546,341
Total Shares and Deposits > 3 Years
6,573,637
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
435,944,061
Total Uninsured Shares and Deposits > $250K (F+J)
485,694,061
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,863,902,393
Total Interest Expense (Sum of items 6 8)
67,344,852
Share Certificates
55,049
Number of Accounts for Share Drafts
259,675
IRA KEOGH Accounts
16,049
Number of Accounts for Regular Shares
371,254
All other shares
2,407
Non Member Deposits
1
Money Market Shares
33,882
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
964,475,258
Total Liabilities
6,452,083,669
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Mission Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Mission Federal Credit Union
Frequently Asked Questions About Mission Federal Credit UnionDoes Mission Federal Credit Union offer CDs?Yes. Mission Federal Credit Union current CD rates include its Promotional CD - 11-Month Flex at 4.00% APY, its Promotional CD - 5-Month at 3.85% APY and its 12 Month Standard CD at 3.15% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Mission Federal Credit Union NCUA insured?Yes. Mission Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Mission Federal Credit Union?The highest Mission Federal Credit Union CD rate is its Promotional CD - 11-Month Flex at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Mission Federal Credit Union offer?Mission Federal Credit Union CD rates are 2.80% APY for a 3 month CD, 3.85% APY for a 5 month CD, 3.15% APY for a 6 month CD, 4.00% APY for an 11 month CD, 3.15% APY for a 12 month CD, 2.45% APY for an 18 month CD, 2.45% APY for a 2 year CD and 1.95% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Mission Federal Credit Union for its full lineup. What is the highest savings rate at Mission Federal Credit Union?The highest Mission Federal Credit Union savings rate is its Special Rate Savings at 2.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Mission Federal Credit Union?The highest Mission Federal Credit Union money market rate is its Ultra Money Market at 2.40% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Mission Federal Credit Union?The highest Mission Federal Credit Union checking rate is its Smart Checking at 0.03% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Mission Federal Credit Union?The lowest Mission Federal Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 7.25%, verified by MonitorBankRates as of October 29, 2026. Mission Federal Credit Union mortgage rates are 7.25% for a 30 year mortgage, 5.75% for a 3/1 ARM and 5.75% for a 5/5 ARM. What is the lowest auto loan rate at Mission Federal Credit Union?The lowest Mission Federal Credit Union auto loan rate is its Auto Loan (2022 and newer) at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Mission Federal Credit Union?The lowest Mission Federal Credit Union personal loan rate is its Personal Loans - Fixed at 10.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Mission Federal Credit Union?The lowest Mission Federal Credit Union credit card APR is its Credit Cards at 11.99% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Mission Federal Credit Union operate?Mission Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Mission Federal Credit Union?Yes, to access services at Mission Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Mission Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Mission Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Mission Federal Credit Union offer online and mobile banking?Most modern institutions like Mission Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.missionfed.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Mission Federal Credit Union rates compare?Mission Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. Mission Federal Credit Union's top rates are its Promotional CD - 11-Month Flex at 4.00% APY, its Special Rate Savings at 2.15% APY, its Ultra Money Market at 2.40% APY, its Smart Checking at 0.03% APY, its 3/1 ARM at 5.75%, its Personal Loans - Fixed at 10.24% APR and its Credit Cards at 11.99% APR, verified by MonitorBankRates on October 29, 2026. Current Mission Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Adventhealth Credit Union
Clean Energy Federal Credit Union
Point West Credit Union
Newark Police Credit Union
AHE Plant 3 Federal Credit Union
Fergus Federal Credit Union
Construction Federal Credit Union
Onpath Credit Union
Sky Federal Credit Union
Service 1st Credit Union
Northern Kentucky Federal Credit Union
Central Jersey Federal Credit Union
Vickswood Federal Credit Union
Millstream Area Credit Union
Med Park Credit Union
Greeneville Works Employees Savings Association Credit Union
Caribe Federal Credit Union
Navarro Credit Union
Armstrong Associates Federal Credit Union
Horizon Federal Credit Union
Pearl Hawaii Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
