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Mission in the Community

It’s Banking That’s Good for You.
And Good for San Diego.

At Mission Fed, we are passionate about taking care of our community and committed to partnering with local nonprofit organizations that contribute to the well-being of the people who live, work, and play in San Diego.

We are equally as passionate about our members and their financial well-being. To support our members path toward financial wellness, Mission Fed provides access to free financial wellness resources including; financial literacy and education, financial counselors, and online tools.

Thank you for your interest in Mission Fed and connecting with us in the community! The following special offers are available to you when you become part of the Mission Fed family:

  • Mission Money: $100 one-time deposit to Spending or Checking Account1
  • Special Rate Savings Account: 2.25% APY2, liquid account, no minimum balance required
  • Auto Loan Rate Discount: 0.25% off APR3 and first payment may be deferred up to 90 days4
  • Credit Card Special Offers: Preferred Platinum or Preferred Platinum Rewards Cards
    • Preferred Platinum: $200 cash bonus5 plus 1.99% intro APR for 12 months on purchases and balance transfers posted within the first 90 days for new Mission Fed Credit Cards6. After that your APR will be 9.90%-16.90% for purchases and 11.90%-17.90% for balance transfers.
    • Preferred Platinum Rewards: 20,000 Bonus Reward points ($200 cash value)5, plus 1.99% intro APR for 12 months on purchases and balance transfers posted within the first 90 days for new Mission Fed Credit Cards6. After that your APR will be 10.90% -17.90% for purchases and 11.90%-17.90% for balance transfers.

Schedule a virtual appointment to open your account today!
 

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Must meet membership and account criteria. Loans and accounts subject to approval; restrictions apply. Subject to change. May not be combined with other promotional offers. Offer is non-transferable. Mission Fed employees and family members are not eligible.

  1. Account must be opened by December 31, 2023 with the Mission Money promo and cannot be opened online or by phone. New member must be 18 or older, the primary signer, and cannot be a signer on a Mission Fed account within the last 12 months. Minimum opening deposit: $5 for Easy Checking, Breeze Spending or Smart Checking. $500 minimum balance required to earn 0.03% Annual Percentage Yield on Smart Checking as of 4/1/2023; withdrawals and fees may reduce earnings. Must have a minimum of five (5) eligible member-initiated transactions completed and posted to the account within 90 days of account opening. Eligible transactions: ACH, cash, or check deposits and withdrawals; debit card purchases; online or mobile banking transfers; and bill payments. Upon satisfaction, $100 will be deposited to the new Checking Account on the 91st day of account opening. Bonus is considered interest and reported as required by law. Consumer Fee Schedule
  2. Minimum opening deposit of $1.00. APY is anticipated to remain in effect until 6/30/2024; however, rate subject to change without prior notice. After 6/30/2024, the dividend rate and APY will revert to the standard savings account rate in effect at that time. Withdrawals and fees could reduce earning.
  3. Auto loan application must be received within 90 days from Checking Account opening. Discount is not applicable on our lowest published auto loan rate. Valid on models 4 years old and newer. View Auto Loan rates.
  4. Deferment available for qualified borrowers. Interest accrues during deferment. If a Special Rate Savings is funded by ACH, the funds are not available for immediate withdrawal within 60 days from the opening date. If you choose to withdraw from the account, the funds will be returned to the account that originated the ACH deposit (processing delays may apply). Special Rate Savings is not available for IRA accounts. Additional restrictions apply for Business Special Rate Savings accounts.
  5. $200 CASH VALUE BONUS: Must apply by 6/30/23 and must have $1,000 in net purchases within the first 90 days. For Preferred Platinum Rewards Cards $200 worth of rewards points and for Preferred Platinum Cards $200 statement credit will be credited approximately 120 days after account opening. Qualifying transactions exclude in-branch cash advances, traveler’s check purchases, balance transfers, overdraft protection advances, convenience checks, fees, and ATM transactions. This offer cannot be combined with other Mission Rewards points promotions. Restrictions may apply.
  6. Offers are available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 12 months on the Platinum Preferred Rewards Card and the Platinum Preferred Card. APRs are current as of 04/26/23. Introductory APR will apply on purchases and balance transfers posted within the first 90 days of account opening, ending on the closing date of the first billing cycle after the account is open for is for 12 months on the Platinum Preferred Rewards Card and the Platinum Preferred Card. Standard APRs apply for cash advances also: Preferred Platinum Rewards 12.90% – 17.90%, Preferred Platinum 11.90% – 17.90%. Balance transfer and cash advance fee is 2% of the amount of each item ($2 minimum). The foreign transaction fee is 1% of the amount of each transaction in U.S. Dollars. Late payment fee up to $25 for the first late payment in any 6 month period then up to $35 for each additional late payment with in the same 6 month period. Returned payment fee up to $22. Maximum $20,000 balance transfer per member and must be conducted using a Cashier’s Check issued by a Mission Fed branch or the Contact Center. Electronic balance transfers do not qualify.