Term Certificates at competitive rates

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 If the dividends are withdrawn prior to maturity, the APY will be lower.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

Mission Federal Money Market Accounts

Money Market Accounts with competitive rates and more access than a Certificate Account

If you’re looking for a Money Market Account with competitive rates and more access than a Certificate Account, take advantage of the benefits that a Mission Fed Money Market Account has to offer.

 

Plan for your future— with the benefits of an IRA

Photo of an elderly 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.

 

Platinum Debit Card

photo of a happy couple shopping

Easy access, more protection, better benefits with a Platinum Debit Card from Mission Fed.

When you open a Mission Fed Checking Account, be sure to ask for a Mission Fed Platinum Debit Card from Mastercard® with no monthly usage fee. It’s the easy way to access your Mission Fed Checking Account.

 

Term Certificates

Photo of a couple with their surfboards at the beach soaking up the sun and the savings with a higher rate on Regular or IRA Term Certificates.

Soak up the sun and savings! For a higher rate on a Regular or IRA Term Certificate, you’ve got...

Catch some great rates with a Term Certificate and choose what works best for you: 2.50% APY for 27 months, 2.00% APY for 17 months or 1.50% APY on a Regular or IRA Term Certificate.

 

Branch/ATM Locator

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