Rates

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Available term and loan to value (LTV) may vary based on the type of recreational vehicle, model year, and dollar amount financed. Programs, rate, terms and conditions subject to change without notice. Up to 100% financing and is based on the lower of the Cash Price or Retail NADA for used RVs, or MSRP for new RVs. Rates and terms available on purchase, lease buyout or refinance. On refinances of Mission Fed loan, a fee may apply. First payment may be deferred up to 90 days for qualified members. Interest will accrue during the payment deferral period. Restrictions may apply. Loan amounts and terms based on age, mileage, and condition of vehicle. Restrictions apply.

Consumer Fee Schedule      Recreational Vehicle Loan Rates

Must meet membership and account criteria. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. All loans subject to credit approval. Programs, rate, terms and conditions subject to change without notice. Maximum credit card loan per member is $50,000. Maximum total unsecured loan limit per member is $100,000. Introductory offer is available for new Credit Cards. Balance transfers to pay any Mission Fed accounts are not permitted. For balance transfers to qualify for the 1.99% introductory APR, the balance transfer must be conducted by using a Cashier’s Check issued by a Mission Fed Branch or the Contact Center to a third-party creditor. Electronic balance transfers do not qualify. Maximum $20,000 in balance transfers per member. Restrictions apply.

Preferred Platinum Mastercard and Preferred Platinum Rewards Mastercard: 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. The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). The foreign transaction fee is 2% of the amount of each transaction in U.S. Dollars.

Premier World Mastercard: Introductory APR will apply on 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 The balance transfer and cash advance fee is 3% of the amount of each item ($3 minimum). There is no foreign transaction fee.

Platinum Credit Card Rates & Disclosures    Premier World Credit Card Rates & Disclosures    Consumer Fee Schedule

Must meet membership and account criteria. All loans subject to credit approval. APR = Annual Percentage Rate. APRs listed are our best rates. Your rate may be higher based on your credit history and other qualifying criteria. Personal loan minimum is $500 and maximum $30,000. Maximum total unsecured loan limit per member is $100,000. Restrictions apply.

Fixed:
The payment for a $5,000 at 10.24% for 36 months is $161.94.

Variable:
Variable rate loan, interest and payments may increase after consummation. Rates range from a minimum of 13.50% to a maximum of 18%. The rate will adjust quarterly on the first day of January, April, July and October based on the current index rate plus 5%.

Must meet membership and account criteria. Programs, rate, terms and conditions subject to change without notice. $5 minimum opening deposit. A savings account is required to establish membership. APY = Annual Percentage Yield. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Monthly fee waved if you maintain a monthly direct deposit of $500 or more OR maintain an average daily balance of $1,500 otherwise a $7 monthly fee apply. Restrictions apply.

Dividend Rates & Disclosures

Must meet membership and account criteria. Rate terms and conditions subject to change Programs, rate, terms and conditions subject to change without notice. APY = Annual Percentage Yield. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Restrictions apply. 

Standard savings: No monthly fee or minimum balance requirements, other fees may apply. $1.00 or more initial opening deposit required. Limit 7 Standard Savings per member. 

Special Rate Savings: Minimum opening deposit of $1,000.00 or more required. Special Rate Savings account is available to qualified members only. Program, rates, terms, and conditions are subject to change at any time without prior notice. Withdrawals and fees could reduce earnings. No minimum daily balance requirement or maximum balance cap. Rate may change after account opening. Special Rate Savings is not available for IRA accounts. Special Rate Savings account cannot be opened via Mobile or Online Banking. If a consumer 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). Additional non-ACH contributions may be made to the account within the first 60 days and are subject to standard availability. We reserve the right to limit the number of Special Rate Savings accounts that you may open at our discretion and without prior notice. Applicable fees may be found in our Consumer Fee Schedule. 

Special Rate Savings Additional Business Account Terms: Must meet membership and business account criteria. Special Rate Savings account cannot be opened via mobile or online banking. Applicable fees may be found in our Business Fee Schedule. 

Summer or Holiday Saver account: Summer Saver accounts mature on July 10th and Holiday Saver accounts mature on November 10th of each year. Monthly transfer from $20 – $500 per month set up at account opening are the only deposits allowed. Dividend penalties apply to early withdrawals. 

Youth savings requires: Accounts for minors under the age of 16 require a person of majority age (18 and older) to be joint on the account. Ages 16 & 17 with a valid government-issued ID do not require a parent / legal guardian joint signer. $1.00 or more initial opening deposit required. Minors aged 0-12 are eligible for the Mission 2 $ave program which earns 5% APY on the first $500 on deposit.

Money Market account: Average daily balance requirement of $2,500; no dividends are earned on balances less than $2,500.

Ultra Money Market: Minimum opening balance of $25,000. Account free with an average daily balance of $25,000 or more each month: otherwise, a $15 monthly fee applies. 

Dividend Rates & Disclosures

APY= Annual Percentage Yield. All rates and yields are anticipated and variable, unless otherwise stated, and may be adjusted without prior notice.

Certificate accounts with a specific term earn the opening APY until the end of the term, unless otherwise specified. Maximum combined Promo Certificate deposits of $1,000,000 per household. All certificate APYs assume dividends remain on deposit until maturity. If the dividends are withdrawn prior to maturity, the APY will be lower. Withdrawals, penalties and fees may reduce principal and earnings. Penalties will apply for early withdrawals. Additional penalties may be imposed by the IRS on IRA Certificates. All rates, terms, services and conditions are subject to change without notice. Certificate will automatically renew into a standard certificate closest like term at the prevailing dividend rate unless you tell us otherwise. New money is money that is not currently on deposit at Mission Fed; funds transferred from an existing Mission Fed account do not qualify as new money. Existing money are funds currently on deposit at Mission Fed.

Bump Rate Certificate – You may make a one-time request to adjust your dividend rate to the rate currently offered for our standard certificate of the same term; promotional rates are excluded from the bump rate option. The new rate will be effective the day the rate bump is requested through the maturity date listed on your certificate disclosure; requests must be made by calling or visiting a Mission Fed branch. The Bump Rate Certificate will automatically renew into a regular Certificate for the same term at the rate in effect at the time of renewal unless you tell us otherwise. All Annual Percentage Yields assume that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.
Bump Certificate not available for Business Accounts.

Flex Certificate: Minimum opening deposit of $500. You may make unlimited deposits during the Certificate term. Any deposits made will start earning dividends from the day of deposit. All APYs assume that dividends remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Additional deposits are not available for Business Accounts.

Federally Insured by NCUA

Dividend Rates & Disclosures

Must meet membership and account criteria. APY=Annual Percentage Yield. The annual percentage is anticipated and variable, unless otherwise stated Certificate accounts with a specific term earn the opening APY until the end of the term, unless otherwise specified. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Penalties for early withdrawals apply. Advertised APYs and terms are subject to change without notice. Restrictions apply.

Dividend Rates & Disclosures

Must meet membership and account criteria. APY=Annual Percentage Yield.  Rates, terms, and conditions subject to change without notice. APYs assume dividends will remain in the account. Withdrawals and fees may reduce earnings. Annual limits apply to combined contributions and may have income limit and other restrictions. Consult with a qualified tax advisor to understand your contribution limits. Restrictions apply.

Dividend Rates & Disclosures