Mission Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Mission Federal Credit Union's highest CD (share certificate) rate is 4.00% APY on an 11-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.95% to 3.15% APY.
Tracking began .
Mission Federal Credit Union CD & share certificate rates
| Term | Product | APY |
|---|---|---|
| 3 months | Term Certificate | 2.80%Verified October 22, 2026 |
| 3 months | Term Certificate | 2.75%Verified October 22, 2026 |
| 3 months | Term Certificate | 2.70%Verified October 22, 2026 |
| 5 months | 5-Month Promo Certificate Promotional | 3.85%Verified October 22, 2026 |
| 6 months | Term Certificate | 3.15%Verified October 22, 2026 |
| 6 months | Term Certificate | 3.10%Verified October 22, 2026 |
| 6 months | Term Certificate | 3.05%Verified October 22, 2026 |
| 11 months | 11-Month Flex Promo Certificate Promotional | 4.00%Verified October 22, 2026 |
| 12 months | Term Certificate | 3.15%Verified October 22, 2026 |
| 12 months | Term Certificate | 3.10%Verified October 22, 2026 |
| 12 months | Term Certificate | 3.05%Verified October 22, 2026 |
| 18 months | Term Certificate | 2.55%Verified October 22, 2026 |
| 18 months | Term Certificate | 2.50%Verified October 22, 2026 |
| 18 months | Term Certificate | 2.45%Verified October 22, 2026 |
| 24 months | Term Certificate | 2.55%Verified October 22, 2026 |
| 24 months | Term Certificate | 2.50%Verified October 22, 2026 |
| 24 months | Term Certificate | 2.45%Verified October 22, 2026 |
| 36 months | Term Certificate | 2.05%Verified October 22, 2026 |
| 36 months | Term Certificate | 2.00%Verified October 22, 2026 |
| 36 months | Term Certificate | 1.95%Verified October 22, 2026 |
| 48 months | Term Certificate | 2.05%Verified October 22, 2026 |
| 48 months | Term Certificate | 2.00%Verified October 22, 2026 |
| 48 months | Term Certificate | 1.95%Verified October 22, 2026 |
| 60 months | Term Certificate | 2.05%Verified October 22, 2026 |
| 60 months | Term Certificate | 2.00%Verified October 22, 2026 |
| 60 months | Term Certificate | 1.95%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (11 months). The standard rate for a similar term is 3.15% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $85 less per year. Check the account terms and set a reminder before maturity.
What are Mission Federal Credit Union's best CD rates by term?
Mission Federal Credit Union's best rate is 4.00% APY on 11 months, verified October 22, 2026.
- 3 mo2.80%
- 5 mo3.85%
- 6 mo3.15%
- 11 mo4.00%
- 12 mo3.15%
- 18 mo2.55%
- 24 mo2.55%
- 36 mo2.05%
- 48 mo2.05%
- 60 mo2.05%
How much interest could a Mission Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $33.322.70% APY · Term Certificate · Standard | $67.872.75% APY · Term Certificate · Standard | $169.662.75% APY · Term Certificate · Standard | $339.332.75% APY · Term Certificate · Standard |
| 6 months | $75.893.05% APY · Term Certificate · Standard | $154.243.10% APY · Term Certificate · Standard | $385.603.10% APY · Term Certificate · Standard | $771.213.10% APY · Term Certificate · Standard |
| 11 months | $183.264.00% APY · 11-Month Flex Promo Certificate · Promotional | $366.534.00% APY · 11-Month Flex Promo Certificate · Promotional | $916.324.00% APY · 11-Month Flex Promo Certificate · Promotional | $1,832.644.00% APY · 11-Month Flex Promo Certificate · Promotional |
| 12 months | $152.503.05% APY · Term Certificate · Standard | $310.003.10% APY · Term Certificate · Standard | $775.003.10% APY · Term Certificate · Standard | $1,550.003.10% APY · Term Certificate · Standard |
| 18 months | $185.042.45% APY · Term Certificate · Standard | $377.692.50% APY · Term Certificate · Standard | $944.212.50% APY · Term Certificate · Standard | $1,888.432.50% APY · Term Certificate · Standard |
| 24 months | $248.002.45% APY · Term Certificate · Standard | $506.252.50% APY · Term Certificate · Standard | $1,265.622.50% APY · Term Certificate · Standard | $2,531.252.50% APY · Term Certificate · Standard |
| 60 months | $506.891.95% APY · Term Certificate · Standard | $1,040.812.00% APY · Term Certificate · Standard | $2,602.022.00% APY · Term Certificate · Standard | $5,204.042.00% APY · Term Certificate · Standard |
How Mission Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 16 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Mission Federal Credit Union (this institution)11-Month Flex Promo Certificate · Promotional | 11 months | $500 | Coverage: CA | 4.00% | October 22, 2026 |
| Capital One (highest tracked APY for this term)360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Wells FargoSpecial Fixed Rate CD · Relationship | 11 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Nationwide; check eligibility | 4.10% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Mission Federal Credit Union on October 22, 2026.
About Mission Federal Credit Union
- Legal name
- Mission Federal Credit Union
- Regulator ID
- NCUA 14384
- Headquarters
- San Diego, CA
- Available in
- CA
- Total assets
- $7.3 billion
- Also known as
- Mission Fed, Mission Federal
- Website
- www.missionfed.com
Source: rates read from https://www.missionfed.com/savings/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Mission Federal Credit Union?
4.00% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Mission Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Mission Federal Credit Union's best CD rate compare with Treasury yields?
4.00% APY is −0.54% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Mission Federal Credit Union CDs insured?
Mission Federal Credit Union is a federally insured credit union (NCUA 14384). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Mission Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Mission Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Mission Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Mission Federal Credit Union before opening an account. This page is not financial advice.