Certificates

When it comes to growing your savings, our Share Certificates offer a winning combination of competitive rates and flexibility. Whether you’re planning for a major purchase, building your emergency fund, or looking to grow your money over time, our Share Certificate options are designed to help you get there.

Why Consider a Share Certificate?

• Competitive Rates: Looking for a better return on your investment? Our Share Certificates provide a competitive dividend rate, ensuring your hard-earned money works harder for you.
• Peace of Mind: With a fixed term, you’ll know exactly when your investment matures. No surprises—just steady growth.
• Flexible Terms: Whether it’s a short-term boost or a long-term strategy, we’ve got options for your savings goals.
• Higher Dividends: Share Certificates often outperform standard savings accounts, helping you maximize your earnings.

Ready to get started?

Opening a Certificate is easy and convenient:

• Click the link below to open an account online
• Call 800.500.6328
• Visit your favorite branch

Discover your potential earnings by exploring our Share Certificate options below.

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 If the dividends are withdrawn prior to maturity, the APY will be lower.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 at the closest like term at the prevailing dividend rate unless you tell us otherwise.

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: You may make unlimited deposits to Standard and Retirement Flex certificates during the certificate term. Any deposits made will start earning dividends from the day of deposit. Additional deposits are not allowed to Business Account Flex Certificates.

New to Mission Fed? Watch our video to see how easy it is to join and open your Certificate online.

Estimate how much you could earn on your savings!

Looking for higher rates and more flexibility?

If you’re looking for higher rates, but also like flexibility, consider using your funds to open several certificates with different terms to reach your savings goals. You may have heard this referred to as “laddering” your certificates. For example, if you have $50,000 in a Money Market Account, you could open a:

• 1-year Term Certificate with $10,000
• 2-year Term Certificate with $10,000
• 3-year Term Certificate with $10,000
• 4-year Term Certificate with $10,000
• 5-year Term Certificate with $10,000

If rates go up, you have some flexibility with certificates maturing at different times. Take a look at our rates and calculate your dividends for your account to decide what would work best for you.