Credit union · NCUA insured
Mission Fed Credit Union CD Rates
Top CarrotMission Fed Credit Union’s best CD rate is 4.00% APY on an 11-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Mission Fed Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where Mission Fed Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mission Fed Credit Union
4.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $366
Promo Certificates
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
Mission Fed Credit Union CD score
81
CD score
Higher than 57% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.00%
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 Fed Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promo Certificates
Up to 4.00%APY · 2 terms
Must meet membership and account criteria. Maximum combined Promo Certificate deposits of $1,000,000 per household. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity; withdrawals reduce earnings. Penalties apply for early withdrawals. Automatically renews into standard certificate closest like term at prevailing dividend rate unless instructed otherwise.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsOpen with new or existing money | 3.85% | $159 |
| 11 months11-Month Flex: Unlimited deposits allowed during certificate term up to maximum deposit amount, earning dividends from day of deposit | 4.00% | $366 |
Standard Certificates
Up to 3.10%APY · 8 terms
Must meet membership and account criteria. Certificate accounts with a specific term earn opening APY until end of term. APYs assume dividends remain on deposit until maturity. Penalties apply for early withdrawals.
| Term | APY · $2,000 and up | APY · $10,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 2.70% | 2.75% | 2.80% | 2.70%2.75% from $10k2.80% from $100k | $67 |
| 6 months | 3.05% | 3.10% | 3.15% | 3.05%3.10% from $10k3.15% from $100k | $151 |
| 12 months | 3.05% | 3.10% | 3.15% | 3.05%3.10% from $10k3.15% from $100k | $305 |
| 18 months | 2.45% | 2.50% | 2.55% | 2.45%2.50% from $10k2.55% from $100k | $370 |
| 24 months | 2.45% | 2.50% | 2.55% | 2.45%2.50% from $10k2.55% from $100k | $496 |
| 36 months | 1.95% | 2.00% | 2.05% | 1.95%2.00% from $10k2.05% from $100k | $596 |
| 48 months | 1.95% | 2.00% | 2.05% | 1.95%2.00% from $10k2.05% from $100k | $803 |
| 60 months | 1.95% | 2.00% | 2.05% | 1.95%2.00% from $10k2.05% from $100k | $1,014 |
Who can join Mission Fed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships or attends school in San Diego County is eligible for membership.
Employers and groups
- Employees of Mission Fed Credit Union are eligible for membership.
- Volunteers or members of partner organizations are eligible for membership.
Family and household
- Immediate family members or household members of an existing member are eligible for membership.
Membership information collected October 5, 2026.