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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) |
| 4.39% | 76-84 | 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.
+Recreational Vehicle Loans
| APRs as low as | Terms in Months | Model Year | Est. Monthly Payment/ $1,000 |
|---|---|---|---|
| 6.49% | Up to 180 | 2018 and newer | $8.71 (at 180 months) |
| 6.99% | Up to 180 | 2011 to 2017 | $8.99 (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; $100,000 maximum loan amount 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 |
+Home Loans
Mission Fed Mortgage Rates
| Product | Rate | Points | APRs as low as |
|---|---|---|---|
| 30 Year Fixed | 3.000% | 0.125% | 3.133% |
| 30 Year Fixed Jumbo | 3.000% | -0.125% | 3.041% |
| 5/5 ARM | 2.625% | 0.000% | 2.768% |
| 3/1 ARM | 3.000% | 0.000% | 2.270% |
| 7/1 ARM | 2.875% | 0.000% | 2.453% |
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% |
+Smart Checking
| Minimum Balance | Dividend Rate | APY |
|---|---|---|
| $500 - $9,999 | 0.03% | 0.03% |
+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% |
+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% |
+Retirement Accounts
| Minimum Balance | Dividend Rate | APY |
|---|---|---|
| Traditional and SEP IRAs | 0.03% | 0.03% |
| Roth IRA | 0.03% | 0.03% |
APR=Annual Percentage Rate and may vary based on credit qualifications. Programs, rates, terms, conditions and services are subject to change without notice and may vary based on individual credit qualifications and collateral. APY=Annual Percentage Yield. Programs, rates, terms, conditions and services are subject to change without notice. For more information on the lowest rates, 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.
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