What are the current interest rates at Mission Federal Credit Union?

Current rates for Mission Federal Credit Union include: 12-Month CD: 3.05%, 18-Month CD: 2.45%, 24-Month CD: 2.45%, 60-Month CD: 1.95%, Savings: 2.15%, MMA: 2.40%

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Mission Federal Credit Union

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Mission Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Mission Federal Credit Union?

Yes, to access services at Mission Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mission Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Mission Federal Credit Union's top rates as of October 13, 2026 are 4.00% APY on its Promo CDs - 11-Month Flex CD, 2.15% APY on savings, 2.40% APY on money market accounts, 0.03% APY on checking, 5.75% on its 3/1 ARM mortgage, personal loans from 10.24% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other Mission Federal Credit Union CD rates include Promotional CD - 11-Month Flex at 4.00%, Promo CDs - 5-Month at 3.85%, and Promotional CD - 5-Month at 3.85%. Other Mission Federal Credit Union mortgage rates include 5/5 ARM at 5.75%, 30 Year Fixed at 7.38%, and 30 Year Fixed Jumbo at 9.50%. MonitorBankRates evaluates the financial stability of Mission Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.79%. Rates last updated and verified on 10/13/2026.

Mission Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mission Federal Credit Union? Share your experience about Mission Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mission Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mission Federal Credit Union
Meanley HQ Building 1

10325 Meanley Dr
San Diego, CA 92131-3011

https://www.missionfed.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Mission Federal Credit Union CD Rates

Product	Rate	APY	Term
Promo Certificates - 11-Month Flex	-	4.00%	11-Month
Min Deposit $500 Min Balance $500 Details Balance: $500 - $1,000,000; Flex Certificate: unlimited deposits up to maximum deposit amount during term; Maximum combined Promo Certificate deposits of $1,000,000 per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Promotional Certificate - 11-Month Flex	-	4.00%	11 months
Min Balance $500 Details Balance: $500 - $1,000,000; Flex Certificate: unlimited deposits during the term; Maximum combined Promo Certificate deposits of $1,000,000 per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Promo Certificates - 5-Month	-	3.85%	5-Month
Min Balance $500 Details Balance: $500 - $1,000,000; Maximum combined Promo Certificate deposits of $1,000,000 per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Promotional Certificate - 5-Month	-	3.85%	5 months
Min Balance $500 Details Balance: $500 - $1,000,000; Maximum combined Promo Certificate deposits of $1,000,000 per household Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Certificate and IRA Certificate	3.11%	3.15%	12 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Standard Certificate	-	3.15%	12 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Certificate and IRA Certificate	3.11%	3.15%	6 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Standard Certificate	-	3.15%	6 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Certificate and IRA Certificate	3.06%	3.10%	12 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Standard Certificate	-	3.10%	12 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Certificate and IRA Certificate	3.06%	3.10%	6 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Standard Certificate	-	3.10%	6 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Certificate and IRA Certificate	3.01%	3.05%	12 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
12 Month Standard Certificate	-	3.05%	12 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Certificate and IRA Certificate	3.01%	3.05%	6 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
6 Month Standard Certificate	-	3.05%	6 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Certificate and IRA Certificate	2.76%	2.80%	3 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Standard Certificate	-	2.80%	3 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Certificate and IRA Certificate	2.72%	2.75%	3 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Standard Certificate	-	2.75%	3 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Certificate and IRA Certificate	2.67%	2.70%	3 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
3 Month Standard Certificate	-	2.70%	3 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Certificate and IRA Certificate	2.52%	2.55%	18 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Standard Certificate	-	2.55%	18 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Certificate and IRA Certificate	2.52%	2.55%	24 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Standard Certificate	-	2.55%	24 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Certificate and IRA Certificate	2.47%	2.50%	18 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Standard Certificate	-	2.50%	18 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Certificate and IRA Certificate	2.47%	2.50%	24 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Standard Certificate	-	2.50%	24 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Certificate and IRA Certificate	2.42%	2.45%	18 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
18 Month Standard Certificate	-	2.45%	18 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Certificate and IRA Certificate	2.42%	2.45%	24 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
24 Month Standard Certificate	-	2.45%	24 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Certificate and IRA Certificate	2.03%	2.05%	36 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Standard Certificate	-	2.05%	36 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Certificate and IRA Certificate	2.03%	2.05%	48 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Standard Certificate	-	2.05%	48 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Certificate and IRA Certificate	2.03%	2.05%	60 month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Standard Certificate	-	2.05%	60 months
Min Balance $100,000 Details Balance: $100K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Certificate and IRA Certificate	1.98%	2.00%	36 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Standard Certificate	-	2.00%	36 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Certificate and IRA Certificate	1.98%	2.00%	48 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Standard Certificate	-	2.00%	48 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Certificate and IRA Certificate	1.98%	2.00%	60 month
Min Balance $10,000 Details Balance: $10,000-$99,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Standard Certificate	-	2.00%	60 months
Min Balance $10,000 Details Balance: $10K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Certificate and IRA Certificate	1.93%	1.95%	36 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
36 Month Standard Certificate	-	1.95%	36 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Certificate and IRA Certificate	1.93%	1.95%	48 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
48 Month Standard Certificate	-	1.95%	48 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Certificate and IRA Certificate	1.93%	1.95%	60 month
Min Balance $2,000 Details Balance: $2,000-$9,999 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
60 Month Standard Certificate	-	1.95%	60 months
Min Balance $2,000 Details Balance: $2K minimum; Must meet membership and account criteria Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Savings Rates

Product	Rate	APY
Special Rate Savings	2.13%	2.15%
Min Deposit $1,000 Min Balance $0 Details Balance: Any Balance; Available to qualified members only; Not available for IRA accounts; Cannot be opened via Mobile or Online Banking Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Standard Savings Account	0.03%	0.03%
Min Deposit $1 Min Balance $0 Details Balance: Any Balance; No monthly fee or minimum balance requirements; Limit 7 Standard Savings per member Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Money Market Rates

Product	Rate	APY
Ultra Money Market	2.37%	2.40%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Ultra Money Market	2.23%	2.25%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Ultra Money Market	2.23%	2.25%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Money Market	0.03%	0.03%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Checking Rates

Product	Rate	APY	View More
Smart Checking	0.03%	0.03%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
3/1 ARM	5.75%	0.000%	6.341%
Details As Low As; Adjustable-rate mortgage: fixed for first 3 years, then adjusts annually per index plus 2% margin for life of loan Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 6.07% → 6.34% ▲ 0.27 pts · high 6.37% / low 6.07% Oct 9, 20266.34%▼ from 6.37% Sep 25, 20266.37%▲ from 6.07% Sep 18, 20266.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
5/5 ARM	5.75%	0.000%	6.555%
Details As Low As; Adjustable-rate mortgage: fixed for first 5 years, then adjusts per index plus 2% margin every 5 years Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 6.19% → 6.56% ▲ 0.37 pts · high 6.56% / low 6.19% Oct 9, 20266.56%▲ from 6.37% Sep 25, 20266.37%▲ from 6.19% Sep 18, 20266.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
30 Year Fixed	7.375%	0.000%	7.397%
Details As Low As Last Updated 10/13/2026 Rate History 3 changes since Sep 18, 2026 · 7.05% → 7.40% ▲ 0.35 pts · high 7.40% / low 7.05% Oct 13, 20267.40%▲ from 7.29% Sep 25, 20267.29%▲ from 7.15% Sep 21, 20267.15%▲ from 7.05% Sep 18, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
30 Year Fixed Jumbo	9.50%	0.250%	9.534%
Details As Low As Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 9.26% → 9.53% ▲ 0.28 pts · high 9.63% / low 9.26% Oct 13, 20269.53%▼ from 9.63% Sep 25, 20269.63%▲ from 9.26% Sep 18, 20269.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOC: Introductory Rate	6.99%	-	6.99%
Details As Low As; Fees: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Home Equity Interest Only HELOC: Introductory Rate	6.99%	-	6.99%
Details As Low As; Fees: $0 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan (2022 and newer)	-	-	4.99%	Up to 36 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2022 and newer)	-	-	4.99%	37 - 48 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2022 and newer)	-	-	4.99%	49 - 66 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2022 and newer)	-	-	5.24%	67 - 75 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2022 and newer)	-	-	5.24%	76 - 78 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2022 and newer)	-	-	6.24%	79 - 84 months
Details As Low As; Model Year: 2022 and newer Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2017 - 2021)	-	-	6.99%	Up to 36 months
Details As Low As; Model Year: 2017 - 2021 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2017 - 2021)	-	-	6.99%	37 - 48 months
Details As Low As; Model Year: 2017 - 2021 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2017 - 2021)	-	-	6.99%	49 - 66 months
Details As Low As; Model Year: 2017 - 2021 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Auto Loan (2017 - 2021)	-	-	7.24%	67 -75 months
Details As Low As; Model Year: 2017 - 2021 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	8.99%	84 months
Details As Low As; Model Year: 2017 and Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Recreational Vehicle Loan	-	9.49%	120 months
Details As Low As; Model Year: 2017 and Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Recreational Vehicle Loan	-	9.99%	180 months
Details As Low As; Model Year: 2022 and Newer Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Credit Card Rates

Product	Rate	APR
Preferred Platinum Mastercard	-	11.99%
Details Published APR range: 11.99% - 17.99%. Intro rate expires: 12 months; Intro 0% applies to purchases and balance transfers in the first 90 days; Regular APR: 11.99% - 17.99% for purchases; 11.99% - 17.99% for balance transfers Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 11.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Preferred Platinum Rewards Mastercard	-	12.99%
Details Published APR range: 12.99% - 17.99%. Intro rate expires: 12 months; Intro 0% applies to purchases and balance transfers in the first 90 days; Regular APR: 12.99% - 17.99% for purchases; 12.99% - 17.99% for balance transfers Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 12.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Premier World Mastercard	-	14.99%
Details Published APR range: 14.99% - 17.99%. Intro rate expires: 12 months; Intro 0% applies to purchases and balance transfers in the first 90 days; Regular APR: 14.99% - 17.99% for purchases; 14.99% - 17.99% for balance transfers Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - Fixed	10.24%	Up to 36 Months
Details As Low As; Rate Type: Fixed; Personal loan minimum $500 and maximum $30,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Personal Loans - Fixed	10.74%	37 - 48 months
Details As Low As; Rate Type: Fixed; Personal loan minimum $500 and maximum $30,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Personal Loans - Line of Credit	13.50%
Details As Low As; Rate Type: Variable; Rates range from a minimum of 13.50% to a maximum of 18%; adjusts quarterly based on current index rate plus 5%; Maximum total unsecured loan limit per member is $100,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Mission Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Fixed Rate 2nd TD 10 Year	9.00%	$750	9.428%
Details As Low As; Fixed Rate 2nd TD Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.43% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Fixed Rate 2nd TD 15 Year	9.00%	$750	9.312%
Details As Low As; Fixed Rate 2nd TD Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.31% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Fixed Rate 2nd TD 30 Year due in 15	9.99%	$750	10.208%
Details As Low As; Fixed Rate 2nd TD Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 10.21% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Line of Credit	-	-	13.50%
Details As Low As; Variable rate; Maximum total unsecured loan limit per member is $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Education	0.03%	-	0.03%
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%
Traditional and SEP IRAs	0.03%	-	0.03%
Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.79%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Mission Federal Credit Union’s Texas Ratio stayed near 0.44% in Q3 2023 to 0.79% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.3B	0.79%	5.0	A+
March 31, 2026	$7.2B	0.80%	5.0	A+
December 31, 2025	$7.2B	1.07%	5.0	A+
September 30, 2025	$7.0B	0.83%	5.0	A+
June 30, 2025	$6.9B	1.14%	5.0	A+
March 31, 2025	$6.8B	1.04%	5.0	A+
December 31, 2024	$6.6B	0.82%	5.0	A+
September 30, 2024	$6.6B	0.90%	5.0	A+
June 30, 2024	$6.6B	0.86%	5.0	A+
March 31, 2024	$6.6B	0.89%	5.0	A+
December 31, 2023	$6.2B	0.76%	5.0	A+
September 30, 2023	$6.1B	0.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mission Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Mission Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mission Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mission Federal Credit Union

Website https://www.missionfed.com

Address 10325 Meanley Dr, San Diego, CA 92131-3011

Phone 800-500-6328

Fax

President Malliga Tholandi

CEO Doug Wright

Full-Time Employees 657

Part-Time Employees 49

Branch Locations 34

ATM Locations 35

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.79%

Return on Assets (ROA)

0.5760%

Return on Equity (ROE)

4.6933%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

7,287,344,737

Total Amount of Shares and Deposits

6,349,596,454

Total Shares and Deposits < 1 Year

6,308,476,476

Total Shares and Deposits 1 3 Years

34,546,341

Total Shares and Deposits > 3 Years

6,573,637

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

435,944,061

Total Uninsured Shares and Deposits > $250K (F+J)

485,694,061

Total Insured Shares and Deposits > $250K (item 17 less item K)

5,863,902,393

Total Interest Expense (Sum of items 6 8)

67,344,852

Share Certificates

55,049

Number of Accounts for Share Drafts

259,675

IRA KEOGH Accounts

16,049

Number of Accounts for Regular Shares

371,254

All other shares

2,407

Non Member Deposits

Money Market Shares

33,882

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

964,475,258

Total Liabilities

6,452,083,669

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mission Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Mission Federal Credit Union

How many branches does Mission Federal Credit Union operate?

Mission Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Mission Federal Credit Union?

Yes, to access services at Mission Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Mission Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mission Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mission Federal Credit Union offer online and mobile banking?

Most modern institutions like Mission Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.missionfed.com.

Current Mission Federal Credit Union Rates

12-Month CD3.05%
18-Month CD2.45%
24-Month CD2.45%
60-Month CD1.95%
Savings2.15%
MMA2.40%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Mission Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mission Federal Credit Union Texas Ratio

Mission Federal Credit Union Health Trend

Mission Federal Credit Union CD Rates

Mission Federal Credit Union Savings Rates

Mission Federal Credit Union Money Market Rates

Mission Federal Credit Union Checking Rates

Mission Federal Credit Union Mortgage Rates

Mission Federal Credit Union Home Equity & HELOC

Mission Federal Credit Union Auto Loan Rates

Mission Federal Credit Union RV, Boat and Powersport Loan Rates

Mission Federal Credit Union Credit Card Rates

Mission Federal Credit Union Personal Loan Rates

Mission Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mission Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mission Federal Credit Union

How many branches does Mission Federal Credit Union operate?

Is a member application needed to join Mission Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Mission Federal Credit Union offer online and mobile banking?

Current Mission Federal Credit Union Rates

Compare to Other Credit Unions