Credit union · NCUA insured
Mission Fed Credit Union Savings Rates
Top CarrotMission Fed Credit Union’s best savings rate is 2.15% APY on $10,000, with its Special Rate Savings. Rates checked October 16, 2026.
How Mission Fed Credit Union’s savings 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
2.15%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $215
Special Rate Savings
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
Mission Fed Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.15%
- $10,000 balance$10,0002.15%
- $100,000 balance$100,0002.25%
- QualifiedQualified2.15%
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 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.
Ultra Money Market
Up to 2.40%APY
Must meet membership and account criteria. Account free with an average daily balance of $25,000 or more each month; otherwise, a $15 monthly fee applies. Not available for IRA accounts or Business accounts. Limit one Ultra Money Market share per member account. If funded by ACH, funds are not available for immediate withdrawal within 60 days from the opening date.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $99,999Monthly fee of $15 waived with an average daily balance of $25,000 or more each month. | 2.25% | — | Monthly fee of $15 waived with an average daily balance of $25,000 or more each month. |
| $100,000 – $249,999Monthly fee of $15 waived with an average daily balance of $25,000 or more each month. | 2.25% | — | Monthly fee of $15 waived with an average daily balance of $25,000 or more each month. |
| $250,000 and upMonthly fee of $15 waived with an average daily balance of $25,000 or more each month. | 2.40% | — | Monthly fee of $15 waived with an average daily balance of $25,000 or more each month. |
Sources (3)
All captured Sep 16, 2026
Special Rate Savings
2.15%APY
Available to qualified members only. Not available for IRA accounts. Cannot be opened via Mobile or Online Banking. If funded by ACH, funds are not available for immediate withdrawal within 60 days from opening date (funds returned to originating ACH account if withdrawn). Additional non-ACH contributions permitted within first 60 days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny Balance. No minimum daily balance requirement or maximum balance cap. Rate may change after account opening.Any balance | 2.15% | $215 | Any Balance. No minimum daily balance requirement or maximum balance cap. Rate may change after account opening. |
Sources (3)
All captured Sep 16, 2026
Money Market
0.03%APY
Must meet membership and account criteria. Average daily balance requirement of $2,500; no dividends are earned on balances less than $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $49,999No dividends earned on balances less than $2,500. | 0.03% | $3 | No dividends earned on balances less than $2,500. |
| $50,000 and up | 0.05% | — |
Sources (3)
All captured Sep 16, 2026
Standard Savings Account
0.03%APY
Must meet membership and account criteria. Limit 7 Standard Savings per member. Can be used for Checking or spending overdraft protection.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAny Balance. No monthly fee or minimum balance requirements, other fees may apply.Any balance | 0.03% | $3 | Any Balance. No monthly fee or minimum balance requirements, other fees may apply. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Youth Savings
5.00%APY
For children 0 – 17 years old. Minors under age 16 require a person of majority age (18 and older) to be joint on the account. Ages 16 & 17 with valid government-issued ID do not require a parent/guardian joint signer.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Mission 2 $ave program: available to minors aged 0-12 on the first $500 on deposit.Up to $500 | 5.00% | — | Mission 2 $ave program: available to minors aged 0-12 on the first $500 on deposit. |
Education Savings Account
0.03%APY
Must meet membership and account criteria.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.03% | $3 |
Sources (1)
- missionfed.com/rates · captured Sep 16, 2026
IRA Savings Account
0.03%APY
Must meet membership and account criteria. Available as Traditional, Roth, and SEP IRA wrappers. Annual contribution limits apply. Early withdrawal penalties may apply per IRS rules. No application, administrative or maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and SEP IRAs wrapper.Any balance | 0.03% | $3 | Traditional and SEP IRAs wrapper. |
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.