# Mission Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/mission-federal-credit-union
Institution: Mission Federal Credit Union (NCUA 14384)
Aliases: Mission Fed, Mission Federal
Status: live
Last verified: 2026-10-22T10:08:38.000Z (October 22, 2026)
Official source: https://www.missionfed.com/savings/certificates/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Certificate | standard | 3 months | $100,000 | 2.80% | Not ZIP-priced | −1.50% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 3 months | $10,000 | 2.75% | Not ZIP-priced | −1.54% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 3 months | $2,000 | 2.70% | Not ZIP-priced | −1.59% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| 5-Month Promo Certificate | promotional | 5 months | $500 | 3.85% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 6 months | $100,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 6 months | $10,000 | 3.10% | Not ZIP-priced | −1.30% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 6 months | $2,000 | 3.05% | Not ZIP-priced | −1.35% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| 11-Month Flex Promo Certificate | promotional | 11 months | $500 | 4.00% | Not ZIP-priced | −0.54% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 12 months | $100,000 | 3.15% | Not ZIP-priced | −1.42% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 12 months | $10,000 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 12 months | $2,000 | 3.05% | Not ZIP-priced | −1.52% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 18 months | $100,000 | 2.55% | Not ZIP-priced | −2.17% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 18 months | $10,000 | 2.50% | Not ZIP-priced | −2.22% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 18 months | $2,000 | 2.45% | Not ZIP-priced | −2.27% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 24 months | $100,000 | 2.55% | Not ZIP-priced | −2.32% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 24 months | $10,000 | 2.50% | Not ZIP-priced | −2.37% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 24 months | $2,000 | 2.45% | Not ZIP-priced | −2.42% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 36 months | $100,000 | 2.05% | Not ZIP-priced | −2.90% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 36 months | $10,000 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 36 months | $2,000 | 1.95% | Not ZIP-priced | −3.00% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 48 months | $100,000 | 2.05% | Not ZIP-priced | −2.93% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 48 months | $10,000 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 48 months | $2,000 | 1.95% | Not ZIP-priced | −3.03% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 60 months | $100,000 | 2.05% | Not ZIP-priced | −2.96% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 60 months | $10,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |
| Term Certificate | standard | 60 months | $2,000 | 1.95% | Not ZIP-priced | −3.06% | 2026-10-22T10:08:38.000Z | [Snapshot 222](https://apyledger.com/snapshots/222) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.