The truth about Mission Fed Moments

June 16, 2017 | Terri Miracle

Collage of Mission Fed moments.

Have you ever heard that story (and there are many variations) of the guy who is cleaning up the junk around a construction site? Someone asks him what he does for a living, expecting him to say, “I pick up garbage.” Instead, he proudly says, “I build skyscrapers!” He clearly sees his contribution to the project.

The beauty of this story is each of us, by taking care of the project at hand but seeing the bigger picture, is an active participant in building the metaphorical skyscraper.

So I tried my own unscientific experiment. At an open house party of a friend, I was having fun working the crowd of mostly people I didn’t know, and was frequently asked what my job was.

“I make Mission Fed Moments!” I said enthusiastically. And then I explain, for as long as they’ll listen.

When we help members achieve their goal, whether it’s getting their first home loan, making their last payment on an Auto Loan or getting a better night’s sleep, we refer to this as their Mission Fed Moment. And that’s what a lot of members call it, too.

Mission Fed Moments come in all shapes and sizes, and we’d like to think they are the reason members stay with us and an important factor in why new members come over to see what’s different about Mission Fed. Have you checked out our 2016 Report? There are two entire pages filled with photos of happy Mission Fed Moments—and there’s a special story behind each one.

Mission Fed Moments can be life changing. One member told us about the special Mission Fed Moment when he got engaged, presenting an engagement ring that he had bought with his Mission Fed Credit Card. For another member, their Mission Fed Credit Card helped them get out from under a lot of high-rate credit card debt from other financial institutions. Our Mission Rewards program made a trip to Disneyland more fun for a member who redeemed her points for Gift Cards.

Think of all the members who bought homes in friendly, scenic (and expensive) San Diego, with help from a Mission Fed Home Loan? Or the members who refinance and save money every month because they lowered their payment—or were able to shorten their loan to a 15-year term and get to that magical Mission Fed Moment of paying off their home loan? I remember the story of a member who used her Home Equity Line of Credit (HELOC), and used it to help cover living expenses as well as pay for tuition when she went back to school for her Master’s Degree.

Often a change in life circumstances results in a Mission Fed Moment—and an Auto Loan. We hear stories all the time about members buying larger cars because they were having more kids, adopting a child, or caring for an older relative who was ready to move in with them. A Mission Fed Moment can be a truck for a member who started their own businesses or a sports car for an empty nester who could finally buy that two-seater. Parents buy first cars for their kids, graduates take out their first Auto Loan so they can get to work or college (or both) and coaches choose a car that will transport gear for the team.

We hear wonderful stories about members who have great success achieving their Mission Fed Moment when they’ve sealed the deal on their Multi-Family Property Loan or Commercial Real Estate Loan. They appreciate working with someone local they know and trust—and who knows the market.

Some Mission Fed Moments are bittersweet. I still think about the member whose mom passed away, and the member and her sisters used part of a Money Market Account for a trip to honor their mom’s memory. There was a member who won a match of her Home Loan payment in our $1 Million Mission Fed Money Match, and used the funds to pay for funeral expenses. Another member was devastated to find out she had been a victim of fraud, and was so grateful that we could help her through that difficult time. After decades of marriage, a member got divorced, and realized she needed Mission Fed for advice on how to start over building credit on her own.

Saving time is saving money, and there are a lot of Mission Fed Moments that may not have photos to go with them, but they sure result in happy members. A Mission Fed Moment can be finding a fee-free CO-OP ATM when you really need one, or making a Bill Pay payment with Online Banking or Mobile Banking late at night—or setting up automatic payments so you don’t have to think about it. If you’re a night person like me, or just a busy person like practically everyone, being able to apply for a loan online at any time is so convenient. Or if you’re looking for a record of what you spent when, having access to your eDocuments whenever you need them saves a lot of time.

And how about Mission Fed Moments for young savers? Those are some of my favorites. Quite a few Girl Scout San Diego troops have been learning about money management from visits to our branches and earned their Money Madness badge. We have young savers who might be hesitant to take money from their piggy banks where they can count it every day, but decide, maybe with a nudge from Mom and Grandpa, that a Youth Savings Account is a good idea. They also like coming to Mission Fed and using the Coin Counters, and they love seeing their money add up. Teens can get started with money management, thanks to a Teen Checking Account and great community programs like Mission Fed JA Finance Park.

We see a lot of Mission Fed Moments when members attend our seminars, including the First-Time Homebuyer Seminar that provides valuable information about buying your peace of paradise here in San Diego County. I am still talking about all the great “Eureka”/Mission Fed Moments I had during our new Move Up Workshop, where I took pages of notes and learned so much about what to do and not do when selling a home and buying a new one—and I’m not even in the market. If you ever have one of those thoughts about, “I wonder what would happen if…?” moments, provides easy-to-use calculators to help answer your question.

And Mission Fed Moments in the community? The stories of individuals and nonprofit organizations in the community that have benefited from Mission Fed giving back on behalf of our members—wow, that would take another blog post just to get started.

Serving our members, and helping them achieve Mission Fed Moments, is core to who Mission Fed is, what we do and how we do it. Would you like to share your Mission Fed Moment with us? We would love to hear it, because it’s the reason we come into work every morning and keeps us smiling on the commute home every night. Connect with us on Facebook, Twitter and Instagram with #MissionFedMoment.

Here’s to a new week of Mission Fed Moments! Let us know what we can do to help you get your Mission Fed Moment and hear that three-tone ring of the Mission Fed bell.

The content provided in this blog consists of the opinions and ideas of the author alone and should be used for informational purposes only. Mission Federal Credit Union disclaims any liability for decisions you make based on the information provided. References to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name in this article by Mission Federal Credit Union is for the information and convenience of its readers and does not constitute endorsement, control or warranty by Mission Federal Credit Union.

Terri Miracle

Terri Miracle

Terri Miracle is VP Creative and Communications at Mission Federal Credit Union. She loved writing as a child, composing newspapers for her dolls, followed by her first paid writing job: a monthly magazine for her grandmother at 25 cents a copy. Many years later after college graduation, her dad told her to join a credit union “because they’re better than banks.” So she did, and enjoyed the “people helping people” experience so much, she decided to make member service her career.

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