Source: https://www.missionfed.com/savings/certificates/
Read: 2026-10-22T10:08:38.000Z

Share Certificates | Mission Fed Credit Union Skip to content
Competitive Rates. Flexible Terms.
### Share Certificates
Open Account
# 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
Open Account Discover your potential earnings by exploring our Share Certificate options below.
### 11-Month Flex Promo Certificate
$500 opening deposit
Limited-time offer
Add deposits during term, ideal for getting in the habit of saving
### 5-Month Promo Certificate
$500 opening deposit
Limited-time offer
Open with new or existing money and start earning more today.
### 12-Month Term Certificate
$2,000 opening deposit
Steady growth
Reach your savings goals by locking in a great rate for longer
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 If the dividends are withdrawn prior to maturity, the APY will be lower.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.
Flex Certificate: You may make unlimited deposits, up to the maximum deposit amount, 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.
## Certificate Promos
### Looking for a competitive rate? Check out our Promotional Certificates.
See All Rates
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Term | Balance | APY
11-Month Flex | $500 - $1,000,000 | 4.00%
5-Month | $500 - $1,000,000 | 3.85%
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.
Flex Certificate: Minimum opening deposit of $500. You may make unlimited deposits, up to the maximum deposit amount, 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. Penalties for early withdrawal apply. Additional deposits are not available for Business Accounts.
Federally Insured by NCUA
Dividend Rates & Disclosures
## Term Certificates
### Competitive dividend rates and flexibility. Open a Certificate today.
See All Rates
Open Account
Term | $2K Minimum APY | $10K Minimum APY | $100K Minimum APY
3 months | 2.70% | 2.75% | 2.80%
6 months | 3.05% | 3.10% | 3.15%
12 months | 3.05% | 3.10% | 3.15%
18 months | 2.45% | 2.50% | 2.55%
24 months | 2.45% | 2.50% | 2.55%
36 months | 1.95% | 2.00% | 2.05%
48 months | 1.95% | 2.00% | 2.05%
60 months | 1.95% | 2.00% | 2.05%
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
#### 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.
##
### Money Market Accounts
Mission Fed’s Money Market accounts are designed for both short-term and longer-term savings needs, depending on your lifestyle and budget.
Learn More
##
### Retirement Accounts
Raymond James located at Mission Fed Credit Union provides financial planning services because we believe everyone deserves a healthy financial future. Our investment services team provides personalized financial planning based on your retirement goals and timeline.
Learn More
### 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 withdrawal apply. Advertised APYs and terms are subject to change without notice. Restrictions apply.
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