Credit union · NCUA insured
Mission City Federal Credit Union
A $164.3M credit union headquartered in Santa Clara, CA, with 4,517 members and 1 branch in California. Best rates: CDs 4.25% and savings 0.10% APY.
Mission City Federal Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#23 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mission City Federal Credit Union
Mission City Federal Credit Union is headquartered in Santa Clara, California, and is the only financial institution founded and operating exclusively inside Santa Clara city boundaries.
The credit union actively supports Santa Clara's education community, including local school districts, universities, colleges, and parochial schools.
- Headquarters
- 1391 Franklin St, Santa Clara, CA 95050-4710
- NCUA charter
- 13131
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Businesses and other legal entities located in the City of Santa Clara, California are eligible for membership.
- Persons who live, work, worship, or attend school in the County of Santa Clara are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) of existing Mission City FCU members are eligible for membership.
- Persons living in the same household (maintaining a single economic unit) as an existing Mission City FCU member are eligible for membership.
Other ways
- Persons who volunteer in the County of Santa Clara are eligible for membership.
Cost to join
- An initial opening deposit of $10 or more is required to open an account.
Branches
1 branch in California
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California
1 branch
- Main Branch 1Main office1391 Franklin St, Santa Clara, CA 95050Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.58% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio8.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.58%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Mission City Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.