Low rates and easy financing terms will help you find the loan in San Diego that fits your lifestyle and budget, so trust Mission Fed for credit union loans that suit your needs—from Mortgage and Home Equity Loans, to an Auto Loan or a Credit Card. Apply for a credit union loan today!
Find a loan that meets your needs
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Why you should get a loan at a credit union
At Mission Fed, our members’ success is our bottom line, so we make the process of applying for a loan simple. We offer a number of ways to apply—whether over the phone, online or in person with knowledgeable and experienced staff. Mission Fed does loan servicing and underwriting in-house rather than outsourcing to a regional office like many other lenders so we’re here to help you every step of the way. Because of this, you get personalized, local service with our credit union loans, and processing can be faster. Since we are member-owned and not-for-profit, interest rates are typically much lower on our credit union loans. And, if you find yourself in the position to pay off your loan early, you won’t be charged pre-payment penalties. At Mission Fed, we put people before profit.
What to consider before applying for credit union loans
When you look into applying for a loan, there are a few things to consider to help find the right loan for you. Pay attention to:
- Loan amount: How much are you borrowing and what’s your down payment?
- Annual Percentage Rate (APR): What’s the APR for this loan with your credit history?
- Loan term: How long is the loan term, and will the payment be manageable?
Depending on each of these factors, you’ll be able to figure out how much interest you’ll be paying over time and whether the loan payment fits within your budget.
How to apply for a credit union loan
Mission Fed makes it easy to apply for a loan. First, decide which credit union loan meets your needs. Then, you can apply in person, online or over the phone. To apply online, simply click one of the links below to go to the product page for the loan you’re looking for and click the “Apply Now” button. You can also make an appointment to apply in person by clicking the “Make an Appointment” button on the appropriate loan page. To apply over the phone, call 800.500.6328 to speak to one of our loan experts. We look forward to assisting you with your financial goals!
Many things have changed for me in the last 18 years. My car, my home, my job, even my family has changed. But not my bank. Mission Federal hasn’t changed on me, it has grown with me. Thank You, Mission Federal. I count on you more than you know.-Chris R.
Whether you are buying a new or pre-owned car, Mission Fed has an Auto Loan for you! Mission Fed Auto Loan options include flexible terms from 36-84 months with up to 120% financing and no penalties for paying off your loan early. We can even help you refinance your existing auto loan. Our Auto Loans are designed to serve you, with Mission Fed Bottom Line Rates Every Day and an easy online application.
Mission Fed has many Home Loan options, including 30-Year Fixed Jumbo Loans, a variety of flexible loan terms, adjustable and fixed rate loans and interest only loans. We can also help you with competitive rates, low down payment loans, options tailored to your budget and first-time homebuyer programs. Mission Fed also provides Commercial Real Estate Lending for purchasing or refinancing Commercial and Multi-family properties in Southern California.
- Conventional and Jumbo Home Loans
- First-time homebuyer loans
- Fixed and Adjustable Rate Mortgages
- Interest only loans
- Investment properties up to four units
- Focused attention from dedicated professionals
- Compare our low loan rates!
You can turn the equity in your home into cash for large purchases, consolidating debt, home improvements and more with a Home Equity Loan from Mission Fed, which gives you the cash up front with a secure, fixed rate for the lifetime of the loan. A Home Equity Line of Credit (HELOC) is another option, providing you with flexible access to funds now and in the future based on the equity of your home, so that you can draw from it at any time.
- Flexible options to borrow from the equity in your home
- Lower interest rates than most other loan options
- No additional fees to start using your HELOC
- Borrow up to 125% of your home’s equity with a Home Equity Loan, or 100% with a HELOC
- Access your HELOC with a Platinum Debit Card or Mission Fed Equity Checks
Mission Fed offers several Credit Card options with competitive rates and great benefits. Our Classic Credit Card has low rates, no annual fee, MasterCard® ID Theft Alerts™ and many other benefits. Mission Fed’s Platinum Credit Card gives you even more benefits, such as Price Protection, Extended Warranty and exclusive offers for cardholders. Most of our Credit Cards are eligible for enrollment in Mission Rewards: You earn points on qualifying purchases that you can redeem for cash back, airline tickets, travel deals, gift cards and more. Use any Mission Fed Credit Card on your mobile device with Apple Pay®, Google Pay™ and Samsung Pay®, too, so you can take Mission Fed with you wherever your wallet—physical or mobile—takes you.
Learn More About Mission Fed’s Credit Union Loan Options with These Great Blog Posts!
5 tips and an infographic for buying a new (or used) car: What should you consider before buying a new or used car? Check out this blog post and accompanying infographic to learn the best time to buy a car, how to get a good value on your trade-in, the differences between pre-owned cars and certified pre-owned cars and which you should seek, tips for securing good financing and some pros and cons of leasing a car.
Mission Fed Loan Options: An Infographic: Throughout our lives, we need various types of loans. Mission Fed is ready to support your financial goals, from buying a house or car, to remodeling your home, to purchasing commercial real estate. This handy infographic outlines the benefits of some of the loans that Mission Fed has to offer. Keep these loan options in mind as tools that you can use to help you accomplish your goals. At Mission Fed, we’re happy to help.
We’ll Help Guide You on Your Home Buying Journey: Thinking about buying a home? If so, you’re likely doing a lot of research, and the Internet has no shortage of information on the subject. We’ve prepared an infographic to help guide you through the process of preparing yourself for home ownership, from doing your research, to getting financially ready to buy a home, all the way to placing an offer and buying your home. This quick-start guide will help lead you through the journey of becoming a homeowner.
What you should know before deciding on which Credit Card is for you: There are various credit cards on the market with all kinds of “special offer” rates, fees and rewards programs. How do you know which credit card is right for you? What should you look for? This blog post takes you through some points to consider when evaluating credit cards, including interest rates, promotional rates (and their fine print), grace periods, reward programs, annual fees and more.
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