Rates

If you’re looking for competitive credit union rates on a Mortgage Loan, Auto Loan, Credit Card, Checking Account or Savings Account in San Diego, you’ve come to the right place. And rates are just the beginning of the benefits you can take advantage of at Mission Fed. Take a look at our great rates and apply to our credit union today! And, it’s simple. Start your application online, give us a call or visit any of our convenient branch locations to discuss your loan amount, the minimum deposit required or anything else you might have a question about. We are committed to helping our members get ahead with a low interest rate that can help make their money go further.

+Auto Loans

New Low Rates. Limited Time.

APRs as low as Terms in Months Model Year Est. Monthly Payment/ $1,000
1.79% Up to 36 2017 and newer $28.55 (at 36 months)
2.29% 37-48 2017 and newer $21.83 (at 48 months)
2.49% 49-66 2017 and newer $16.23 (at 66 months)
2.59% 67-75 2017 and newer $14.46 (at 75 months)
3.49% 76-78 2017 and newer $14.34 (at 78 months)
4.39% 79-84 2017 and newer $13.85 (at 84 months)

Enjoy great rates and a low monthly payment.
Other rates and terms may be available for older model years and other loan amounts.

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+Recreational Vehicle Loans

APRs as low as Terms in Months Model Year Est. Monthly Payment/ $1,000
4.49% 84 2012 and Newer $13.92 (at 84 months)
4.99% 120 2012 and Newer $10.62 (at 120 months)
5.49% 180 2017 and Newer $8.18 (at 180 months)

$12,000 minimum loan amount for 72 month term; $30,000 minimum for 73-84 month term; $50,000 minimum for 85-180 month term. Up to 100% financing is based on the lower of the Cash Price or Retail NADA for used RVs, or MSRP for new RVs; $150,000 maximum loan amount (2017 or newer) for 100%, and is subject to approval. $100,000 maximum loan amount (2012 to 2017) for 100%, and is subject to approval. Minimum payment of $150.

+Credit Cards

Product APRs
Introductory Rate on Purchases and Balance Transfers Posted Within the First 90 Days Learn More 0% Intro Rate
For 12 Months
Preferred Platinum Credit Card After that, the Standard APR will be:
9.90% - 16.90%
for purchases
11.90% - 17.90%
for balance transfers
Preferred Platinum Rewards Credit Card After that, the Standard APR will be:
10.90% - 17.90%
for purchases
12.90% - 17.90%
for balance transfers
Classic Credit Card 15.90%
Classic Credit Card Share Secured 16.90%
Mission Choice Credit Card 17.90%

Switch to a Credit Card with a low rate and more benefits.

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+Personal Loans

APR as low as Terms in Months Rate Type
6.88% Up to 36 Months Fixed
7.38% 37 to 48 Months Fixed

Minimum loan amount $500. Maximum loan amount $30,000. Payment examples: The 6.88% APR includes 36 estimated monthly payments of $30.83 per $1,000 borrowed. The 7.38% APR includes 48 estimated monthly payments of $24.13 per $1,000 borrowed.

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+Home Loans

Mission Fed Mortgage Rates

Product Rate Points APRs as low as
30 Year Fixed 2.875% 0.000% 2.997%
30 Year Fixed Jumbo 2.625 0.250% 2.684%
5/5 ARM 2.625% 0.000% 2.767%
3/1 ARM 3.000% 0.000% 2.373%
7/1 ARM 2.875% 0.000% 2.525%

Mission Fed Home Equity Loan Rates

Product Rate Fees APRs as low as
Fixed Rate 2nd TD 15 Year 4.500% $750 4.709%
HELOCSee Details 2.99% $0 2.99% Intro Rate
Interest Only HELOC 4.000% $0 4.000%
Fixed Rate 2nd TD 10 Year 4.500% $750 4.800%
Fixed Rate 2nd TD 30 Year due in 15 4.500% $750 4.647%

Count on Mission Fed for competitive rates and local service.

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Daily Mortgage Rates & DisclosuresPDF

+Smart Checking

Minimum Balance Dividend Rate APY
$500 - $9,999 0.03% 0.03%

Manage your daily transactions with easy access to your account.

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Dividend Rates & DisclosuresPDF

+Savings and Money Market

Minimum Balance Dividend Rate APY
Savings Account (any balance) 0.03% 0.03%
Money Market ($2,500 - $49,999) 0.03% 0.03%

Make saving easy with your choice of accounts.

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Dividend Rates & DisclosuresPDF

+Certificates

Balance Term Dividend Rate APY
$2,000 - $9,999 1 year 0.35% 0.35%
$10,000 - $99,999 2 years 0.60% 0.60%
$10,000 - $99,999 3 years 0.70% 0.70%

Earn higher dividends and get to your goals faster.

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Dividend Rates & DisclosuresPDF

+Retirement Accounts

Minimum Balance Dividend Rate APY
Traditional and SEP IRAs 0.03% 0.03%
Roth IRA 0.03% 0.03%

Save for your retirement in a variety of ways.

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Dividend Rates & DisclosuresPDF

APY= Annual Percentage Yield.
Annual Percentage Rate (APR) may vary based on individual credit qualifications. Your actual APR may be higher than the rate shown. All loans are subject to approval. All programs, rates, terms and conditions and services are subject to change without notice. For more information, get in touch with our federal credit union today.


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MFCU does what others fail to do—work for us. The customer.-Len L.

Branch/ATM Locator

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