Credit Union Accounts: Spending, Checking and Savings Accounts

Mission Federal Credit Union offers many options and benefits that allow you to manage your finances with confidence and ease through the various accounts we offer. We’re not only the largest, locally based financial institution exclusively serving San Diego County, we also offer a variety of personal accounts, from Spending, Checking and Savings, to Money Market Accounts, Term Certificates and Retirement Accounts. Additionally, our credit union offers business accounts, business account pension plans and Coverdell Educational Savings Accounts (ESAs) for college savings. Are you ready to set up a credit union account today? Contact us online, via phone or in any of our San Diego branch offices and we can help you open a new account today. It’s time to start saving money by banking with a financial institution that cares about your success. Mission Fed looks forward to serving you.

Find an account that fits your needs

Other Features and Services

Why choose Mission Federal Credit Union to open an account?

When you’re looking for the right place to do your banking, you generally have the choice between a traditional bank and a credit union. So what’s the difference between these two? The biggest difference is that traditional banks charge higher fees and interest rates on loan products like an auto loan to make a profit, and you typically receive lower rates on savings accounts. Credit unions, on the other hand, are not-for-profit financial cooperatives, so member success is integral to the success of the institution. That means credit unions are more likely to work hard to help you succeed financially by offering lower loan rates, low or no fees and better dividends on savings accounts. When you choose to bank with Mission Federal Credit Union, you’ll receive knowledgeable service, great products, and Online and Mobile Banking to manage your accounts anytime and anywhere. Additionally, with a Mission Fed Platinum Debit Card, you will have access to over 30,000 CO-OP free ATMs that you can use without incurring any ATM fees.

At Mission Fed, our members come first, so when you choose to open an account with us, you can trust that you will be our priority. Since we are a credit union, we are member-owned, but that doesn’t mean we’re exclusive. Although we started in 1961 as a credit union for the educational community, we have since opened our doors to all San Diegans, so as long as you live, work or go to school in San Diego County, you’re welcome to bank with us! We pride ourselves on putting people before profit. Helping our members achieve financial milestones, which we call “Mission Fed Moments,” is just one way we do that. Open a credit union account today and create your first Mission Fed Moment with a financial institution you can trust.

You’ve made San Diego your home because of all it has to offer, including great weather, beautiful scenery and more opportunities. We value our San Diego community as much as you do, which is why we focus on giving back to the community we love. You can feel good about opening an account with us knowing that your credit union account helps contribute to hundreds of local educational and nonprofit organizations that make a difference in our community. So if you’re looking for a better place to set up a bank account, make your move to Mission Fed and open a credit union bank account today.

Simple and fast

Let’s save you some time, too. When you’re ready to open a Spending, Checking Account and/or Savings bank accounts, choose Mission Fed—and use our easy online application. Open an account online by clicking the “Learn more” button beneath any of our accounts below. We’ll walk you through the process and you’ll be the happy owner of a new credit union bank account before you know it! Banking smarter has never been easier.

What you need to apply for an account

It’s easy to open a credit union account with Mission Fed, whether you open your account in person, over the phone or try our online application. You will need to:

  • Provide proof that you live, work or go to school in San Diego County
  • Provide valid ID
  • Provide your Social Security Number
  • Make a small initial deposit to become a member. Check our Savings and Checking or Spending Account pages to discover what that initial deposit needs to be based on Account type.
  • Begin using your account!

A Mission Fed employee once told me ‘It’s not a bank, it’s a credit union.’ These 8 words piqued my curiosity. Since then Mission Fed has proved to me time and time again what that means and why their standard for customer services leaves conventional banks in the dust.-Nicholas B.

Why Choose Mission Fed - Mission Fed in a Minute Video

Apply in the branch

Choose the time and place that’s convenient for you with our easy online reservation system.

Mission Fed has the right accounts for you


The Breeze Spending Account offers a free and easy way to manage your money. We don’t think it should cost you money to use your money. The Breeze Account gives you lots of nice features that make it easier for you to keep more of your hard-earned money.
Learn more about Breeze


Need a Checking Account for your daily or monthly checking needs? Mission Fed offers you a wide variety of Checking Accounts, plus a Platinum Debit Card with no monthly usage fee. Open an Easy Checking Account that’s free with eStatements.
Learn more about Checking


Choose from four Savings Accounts: Standard Savings, Summer Saver, Holiday Saver or Youth Savings. Set up a Standard or Youth Savings Account with an initial deposit of just $1, with no monthly fee or balance requirement.
Learn more about Savings


If you’ve been searching for a bank CD, you can choose a Mission Fed Term Certificate instead to meet your short or longer term savings needs, from 3 to 60 month terms and a minimum balance of $2,000.
Learn more about Certificates

Money Market

Ready to make your money work a little harder? Open a Money Market Account that combines liquidity with the ability to earn higher dividends. A minimum $2,500 balance is all you need to earn higher dividends than a regular Savings Account.
Learn more about Money Market


Choose a traditional, Roth or SEP IRA and add to your retirement savings consistently. Visit our Online Retirement Center to see which IRA is best for you.

Educational Savings

It’s not too late to start saving for your child’s college expenses. A Coverdell Educational Savings Account (ESA) can accelerate growth of funds for school.
Learn more about Educational Savings

Business Accounts

Need a bank account for your business, small or large? Come to Mission Fed instead! We offer a choice of business Checking Accounts designed to meet your daily transaction needs. Open an account by visiting us at a branch.
Learn more about Business Accounts

Business Account Pension

Are you a small business owner? Choose the Simplified Employee Pension Plan (SEP)—a simple pension plan for small businesses.
Learn more about Business Account Pension

Dividend Calculators

Mission Fed offers deposit calculators to estimate earnings on accounts, perform financial evaluations, create different tax scenarios and even plan your home budget.
Learn more about Dividend Calculators

Branch/ATM Locator

Search for Mission Fed Branches and ATMs, or 30,000 CO-OP Network ATMs Nationwide