Are you searching for competitive San Diego CD rates at a bank? Then set up a 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. 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.

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. 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 If the dividends are withdrawn prior to maturity, the APY will be lower.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.

More Products & Services

Checking Accounts

Smiling woman working with flowers

Manage your daily transactions better with a Mission Fed Checking Account.

Mission Fed offers you a variety of Checking Accounts to help you manage your daily transactions while enjoying convenient access.

Plan for your future— with the benefits of an IRA

Happy senior couple on a golf course.

Save money with an IRA Account here at Mission Fed.

Save money with an IRA Account here at Mission Fed. We offer Traditional, Roth and SEP plans.

Mission Fed Savings Guide

Photo of a woman on her laptop reviewing her Mission Fed Savings Account.

You frequently hear about how vital it is to save money. Your family tells you, friends tell you,...

You frequently hear about how vital it is to save money. Your family tells you, friends tell you, even advertisements tell you about the importance of saving. But why is it so crucial? Let’s explore why you should save money, what you can do to make saving easier and...

Easy Checking Free with eStatements and 30,000 ATMs

photo of a happy woman in a flower shop

Let’s save you money and make your life easier, starting with Easy Checking, Free with...

All San Diegans are welcome at Mission Federal Credit Union, where your success is our bottom line. That means when you open an account, you’ll start to experience the Mission Fed difference: our special way of offering you the services you need to help you...

Branch/ATM Locator

Search for Mission Fed Branches and ATMs, or 30,000 CO-OP Network ATMs Nationwide