Credit union · NCUA insured
Mission City Federal Credit Union Savings Rates
Mission City Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Mission City Federal Credit Union’s savings rates compare
Compared with banks and credit unions near San Jose, CA, where Mission City Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mission City Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Secondary Shares
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Mission City Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.84%
- $100,000 balance$100,0001.21%
- QualifiedQualified0.84%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mission City Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Mission City Money Market Account
0.84%APY on $10,000
Tiered, variable rate account. Interest is paid at tier rates on balances within each tier. Limit one Money Market Account per account number.
| Part of the balance | Rate on that part |
|---|---|
| $2,000 – $10,000 | 1.05% |
| $10,000 – $100,000 | 1.25% |
| $100,000 – $250,000 | 1.60% |
| $250,000 and up | 2.40% |
On $10,000 the tiers blend to about 0.84% APY, earning $84 a year.
Regular Shares
0.10%APY
A $10.00 minimum balance in your Regular Share (Savings) Account represents you as a member/owner and maintains your Mission City FCU membership. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.10% | $10 |
Secondary Shares
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.10% | $10 |
Special-purpose accounts
Holiday Club
1.05%APY on $10,000
Earn a 2.00% APY on balances up to $5,000 and 0.10% APY thereafter.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 2.00% |
| $5,000 and up | 0.10% |
On $10,000 the tiers blend to about 1.05% APY, earning $105 a year.
Vacation Club
1.05%APY on $10,000
Earn a 2.00% APY on balances up to $5,000 and 0.10% APY thereafter.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 2.00% |
| $5,000 and up | 0.10% |
On $10,000 the tiers blend to about 1.05% APY, earning $105 a year.
Who can join Mission City Federal Credit Union
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.
Membership information collected October 5, 2026.