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Rates

Our Rates

If You’re Looking for Competitive Rates You’ve Come to the Right Place

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.

Auto Loans (Model Years 2018 to Current)

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APR as low as Months Model Year Est. Monthly Payment / $1,000
3.99% Up to 36 2018 and newer $29.53 (at 36 months)
4.69% 37 - 48 2018 and newer $22.89 (at 48 months)
4.89% 49 - 66 2018 and newer $17.32 (at 66 months)
4.99% 67 - 75 2018 and newer $15.51 (at 75 months)
5.49% 76 - 78 2018 and newer $15.28 (at 78 months)
5.99% 79 - 84 2018 and newer $14.61 (at 84 months)

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Programs, rate, terms and conditions subject to change without notice. Financing up to 120% based on Manufacturer’s Suggested Retail Price (MSRP) for new vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Loan amounts and terms based on age, mileage and condition of vehicle. Restrictions apply.

Consumer Fee Schedule

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Used Auto Loans (Model Years 2013 - 2017)

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APR as low as Months Model Year Est. Monthly Payment / $1,000
5.99% Up to 36 2013 - 2017 $30.42 (at 36 months)
6.69% 37 - 48 2013 - 2017 $23.89 (at 48 months)
6.89% 49 - 66 2013 -2017 $18.25 (at 66 months)
6.99% 67 -75 2013 - 2017 $16.50 (at 75 months)

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Programs, rate, terms and conditions subject to change without notice. Financing up to 120% based on Retail Kelley Blue Book (RKBB) for used vehicles. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed Auto Loans, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Loan amounts and terms based on age, mileage and condition of vehicle. Restrictions apply.

Consumer Fee Schedule

Recreational Vehicle Loans

Get ready for your next great adventure. Apply for an RV loan today.
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APR as low as Months Model Year Est. Monthly Payment / $1,000
7.99% 84 2013 and Newer $15.59 (at 84 months)
8.49% 120 2013 and Newer $12.40 (at 120 months)
8.99% 180 2018 and Newer $10.14 (at 84 months)

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Available term and loan to value (LTV) may vary based on the type of recreational vehicle, model year, and dollar amount financed. Programs, rate, terms and conditions subject to change without notice. Up to 100% financing and is based on the lower of the Cash Price or Retail NADA for used RVs, or MSRP for new RVs. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed loan, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Restrictions may apply. Loan amounts and terms based on age, mileage, and condition of vehicle. Restrictions apply.

Consumer Fee Schedule          Recreational Vehicle Loan Rates

Credit Cards

Two options, zero annual fees. Apply for your Mission Fed Credit Card today. See All Rates

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Product APRs
Preferred Platinum Credit Card
0% Introductory Rate for 18 months (on purchases and transfers in first 90 days)
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After that, the Standard APR will be:
9.90% - 16.90% for purchases
11.90% - 17.90% for transfers
Preferred Platinum Rewards Credit Card
0% Introductory Rate for 15 months (on purchases and transfers in first 90 days)
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After that, the Standard APR will be:
10.90% - 17.90% for purchases
12.90% - 17.90% for transfers

Must meet membership and account criteria. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. All loans subject to credit approval. Programs, rate, terms and conditions subject to change without notice. Maximum credit card loan per member is $50,000. Maximum total unsecured loan limit per member is $100,000. Introductory offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 15 months on the Platinum Preferred Rewards Card and 18 months on the Platinum Preferred Card. For balance transfers to qualify for the 0% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center. Electronic balance transfers do not qualify. The balance transfer and cash advance fee is 2% of the amount of each item ($2 minimum). The foreign transaction fee is 1% of the amount of each transaction in U.S. Dollars. Maximum $20,000 in balance transfers per member. Restrictions apply.

Credit Card Rates & Disclosures
Consumer Fee Schedule

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Personal Loans

Money for whatever you need. Apply for a Personal Loan or Line of Credit today.

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APR as low as Months Rate Type
8.99% Up to 36 Months Fixed
9.49% 37 - 48 Fixed
13.50% Line of Credit Variable

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Personal loan minimum is $500 and maximum $30,000. Maximum total unsecured loan limit per member is $100,000. Restrictions apply.

Fixed:
Payment example for $5,000 at 36 months = $155.97 per month.

Variable:
Variable rate loan, interest and payments may increase after consummation. Rates range from a minimum of 13.50% to a maximum of 18%. The rate will adjust quarterly on the first day of January, April, July and October based on the current index rate plus 5%.

Competitive Rates with Local, San Diego Service

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Loan Rate Points APR as low as
30 Year Fixed 6.750% 0.125% 6.916%
30 Year Fixed Jumbo 6.750% 2.125% 6.926%
5/5 ARM 5.500% 0.000% 5.724%
3/1 ARM 4.500% 0.000% 5.758%
Fixed Rate 2nd TD 15 Year 9.000% $750 9.312%
Fixed Rate 2nd TD 10 Year 9.000% $750 9.428%
Fixed Rate 2nd TD 30 Year due in 15 9.990% $705 10.208%

All rates and APRs are for illustrative purposes only. Subject to change without notice. Advertised as low as APRs are based on assumptions. Not all applicants will qualify for the lowest rate/APR. Actual rate will vary depending on your creditworthiness, loan amount, LTV, and other factors specific to your transaction. Other rates and terms may be available.

Mortgage:
For current rates and payment examples, please refer to our Daily Mortgage Rates page. Monthly payments do not include property taxes or insurance, your payment will be higher. APRs assume the purchase of a single family, primary residence in California, a credit score of at least 740, and a combined LTV of 60% or less. For borrowers with less than a 20% down
payment, mortgage insurance is required. Maximum loan amounts range from $647,200 to $3,000,000, depending on loan program.
30 Year Fixed (Conforming/Jumbo): Fixed monthly principal and interest payments for life of the loan.
5/5 Adjustable-Rate Mortgage (ARM): Variable rate loan, interest and payments may increase after consummation. For the first 5 years, rate is fixed. After that, rate will adjust according to the current index plus a margin of 2% every 5 years for the life of the loan.
3/1 Adjustable-Rate Mortgage (ARM): Variable rate loan, interest and payments may increase after consummation. For the first 3 years, rate is fixed. After that, rate will annually adjust according to the current index plus a margin of 2% for the life of the loan.
Fixed Rate 2 nd TD 10 Year/ 15 Year: Fixed monthly principal and interest payments for life of the loan.

Home Equity Loans/Lines of Credit:
APRs assume a minimum credit score of at least 720, and a combined LTV (CLTV) of less than 90% for a home equity loan and a combined LTV of less than 70% for a HELOC.
Introductory HELOC: 25-year term (10 year draw, 15 year repayment). Fixed intro rate for the first 12 months. After that, rate is variable and may adjust monthly after account opening. Maximum credit line of $300,000. Floor rate is 3.99%. Maximum APR is 18.00%.
Interest Only HELOC: Variable rate product, interest and payments may increase after consummation. Interest only payments for first 10 years, fully amortized principal and interest payments for the remaining term. Maximum credit line of $300,000. Floor rate is 3.99%. Maximum APR is 18.00%.

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Smart Checking

Earn more with your money. Open a Smart Checking Account today.

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

Must meet membership and account criteria. Programs, rate, terms and conditions subject to change without notice. $5 minimum opening deposit. A savings account is required to establish membership. APY = Annual Percentage Yield. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Monthly fee waved if you maintain a monthly direct deposit of $500 or more OR maintain an average daily balance of $1,500 otherwise a $7 monthly fee apply. Restrictions apply.

Dividend Rates & Disclosures

Savings & Money Market

Open a Savings or Money Market Account Today

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Minimum Balance Dividend Rate APY
Savings Account (Any Balance) 0.03% 0.03%
Money Market ($2,500 - $49,999) 0.03% 0.03%
Money Market ($50,000+) 0.05% 0.05%
High Yield Money Market ($0 - $49,999) 0.10% 0.10%
High Yield Money Market ($50,000 - $99,999) 0.20% 0.20%
High Yield Money Market ($100,000 - $224,999) 0.30% 0.30%
High Yield Money Market ($225,000+) 0.40% 0.40%

Must meet membership and account criteria. Rate terms and conditions subject to change Programs, rate, terms and conditions subject to change without notice. APY = Annual Percentage Yield. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Restrictions apply. 

Standard savings: No monthly fee or minimum balance requirements, other fees may apply. $1.00 or more initial opening deposit required. Limit 7 Standard Savings per member. 

Summer or Holiday Saver account: Summer Saver accounts mature on July 10th and Holiday Saver accounts mature on November 10th of each year. Monthly transfer from $20 – $500 per month set up at account opening are the only deposits allowed. Dividend penalties apply to early withdrawals. 

Youth savings requires: Accounts for minors under the age of 16 require a person of majority age (18 and older) to be joint on the account. Ages 16 & 17 with a valid government-issued ID do not require a parent / legal guardian joint signer. $1.00 or more initial opening deposit required. Minors aged 0-12 are eligible for the Mission 2 $ave program which earns 5% APY on the first $500 on deposit.

Money Market account: Average daily balance requirement of $2,500; no dividends are earned on balances less than $2,500.

High Yield Money Market: Minimum opening balance of $25,000. Account free with an average daily balance of $25,000 or more each month: otherwise, a $15 monthly fee applies. 

Dividend Rates & Disclosures

Looking for a competitive rate? Check out our Promotional Certificates.
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Balance Term Dividend Rate APY
$2,000 - $1,000,000 (New Money) 8 months 1.74% 1.75%
$2,000 - $1,000,000 (New Money) 25 months 2.96% 3.00%

Must meet membership and account criteria. APY=Annual Percentage Yield. Promotional Certificates are for new money only, not previously on deposit with Mission Fed and have a $2,000 minimum opening deposit, $1,000,000 maximum deposit. The annual percentage is anticipated and variable, unless otherwise stated Certificate accounts with a specific term earn the opening APY until the end of the term, unless otherwise specified. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Penalties for early withdrawals apply. Advertised APYs and terms are subject to change without notice. Restrictions apply.

Dividend Rates & Disclosures

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Retirement & Education Accounts

Your financial future is important. Open an account today.

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

Must meet membership and account criteria. APY=Annual Percentage Yield.  Rates, terms, and conditions subject to change without notice. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Annual limits apply to combined contributions and may have income limit and other restrictions. Consult with a qualified tax advisor to understand your contribution limits. Restrictions apply.

Dividend Rates & Disclosures

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Disclosures

Must meet membership and account criteria. All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Restrictions apply.