Are you searching for competitive San Diego CD rates at a bank? Then set up a credit union Certificate with Mission Fed. A Certificate offers you peace of mind with a dividend rate and the flexibility to choose a term that fits your investment needs. Mission Fed offers a variety of Term Certificate options. Our Regular Certificate is best for earning higher dividends than a Savings or Money Market Account and requires a minimum balance of $2,000. Here are examples of our top Certificates:

See Certificate terms and rates

To open your certificate, call us at 858.524.2850 or 800.500.6328 or come visit us at any of our branches to open an account.

Higher rates and flexibility

Check our rates to see higher rates on some of our Term Certificates, both Regular and IRA, including our 4- and 5-year Term Certificates with deposits of $10,000 or more. If you’re looking for higher rates, but also like the flexibility of a Money Market Account, consider using your funds to open several Term 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
  • Open a 2-year Term Certificate with $10,000
  • Open a 3-year Term Certificate with $10,000
  • Open a 4-year Term Certificate with $10,000
  • Open a 5-year Term Certificate with $10,000

Then if rates do go up at some point, you still have some flexibility with Certificates maturing at different times. Take a look at our rates and calculate your dividends to decide what would work best for you.

Regular Certificate
Best for Earning higher dividends than savings and money market
Term Length 3 to 60 months
Minimum Balance $2,000
Maximum Balance Unlimited
Details Jumbo Certificate rates available on balances of $100,000 and more

APY=Annual Percentage Yield. NOTE: All rates 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 stated assume the dividends earned on the certificate balance remain in the account until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Penalties for early withdrawal apply. APYs and terms are subject to change. For additional information on savings and certificate accounts or updated rate information, please contact us at 800.500.6328.

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