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Certificates

Share Certificates 

If you’re looking for a competitive share certificate rate, look no further than Mission Fed. With a variety of certificate options, you’re sure to find an account that is right for you and will help you reach your goals faster.

Our share certificates offer peace of mind with a competitive dividend rate and the flexibility to choose a term that fits your investment needs. Our Regular Certificate is best for earning higher dividends than our savings accounts or money market accounts.

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Certificate Promos

Looking for a competitive rate? Check out our Promotional Certificates.
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Term $2K Minimum APY $10K Minimum APY $100K Minimum APY
8 months 2.50% 2.50% 2.50%
17 month Flex (unlimited deposits) 3.85% 3.85% 3.85%

APY=Annual Percentage Yield. All rates and yields are anticipated and variable, unless otherwise stated, and may be adjusted without prior notice.

Certificate accounts with a specific term earn the opening APY until the end of the term, unless otherwise specified. All certificate APYs assume dividends remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Withdrawals, penalties and fees may reduce principal and earnings. Penalties will apply for early withdrawals. Additional penalties may be imposed by the IRS on IRA Certificate. All rates, terms, services and conditions are subject to change without notice. Certificate will automatically renew into like term at the prevailing dividend rate unless you tell us otherwise.

SPECIAL CONDITIONS: FLEX CERTIFICATE: You may make unlimited deposits during the term of this Flex Certificate. Any deposits made will start earning dividends from the day of deposit. The stated APY is for new funds and existing money and assumes monthly compounding of dividends in the certificate until maturity. This Flex Certificate will automatically renew into a regular Certificate for the same term at the dividend rate in effect at the time of renewal unless you tell us otherwise.

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Dividend Rates & Disclosures

Term Certificates

Competitive dividend rates and flexibility. Open a Certificate today.
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Term $2K Minimum APY $10K Minimum APY $100K Minimum APY
3 months 0.95% 1.00% 1.04%
6 months 1.95% 2.00% 2.05%
12 months 2.60% 2.65% 2.70%
18 months 2.60% 2.65% 2.70%
24 months 2.45% 2.50% 2.55%
36 months 1.95% 2.00% 2.05%
48 months 1.95% 2.00% 2.05%
60 months 1.95% 2.00% 2.05%

Must meet membership and account criteria. APY=Annual Percentage Yield. 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

Looking for higher rates and more flexibility?

If you’re looking for higher rates, but also like flexibility, consider using your funds to open several certificates with different terms to reach your savings goals. You may have heard this referred to as “laddering” your certificates. For example, if you have $50,000 in a Money Market Account, you could open a:

  • 1-year Term Certificate with $10,000
  • 2-year Term Certificate with $10,000
  • 3-year Term Certificate with $10,000
  • 4-year Term Certificate with $10,000
  • 5-year Term Certificate with $10,000

If rates go up, you have some flexibility with certificates maturing at different times. Take a look at our rates and calculate your dividends for your account to decide what would work best for you.

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Money Market Accounts

Mission Fed’s Money Market accounts are designed for both short-term and longer-term savings needs, depending on your lifestyle and budget.

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Retirement Accounts

Raymond James located at Mission Fed Credit Union provides financial planning services because we believe everyone deserves a healthy financial future. Our investment services team provides personalized financial planning based on your retirement goals and timeline.

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Ready to Open Your Certificate?

Make an appointment at one of our convenient branch locations. Choose a time that works for you.

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Disclosures

Must meet membership and account criteria. APY=Annual Percentage Yield. 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 withdrawal apply. Advertised APYs and terms are subject to change without notice. Restrictions apply.