--- title: "Mission City Credit Union Rates (Nov 2026): CDs to 3.80%" description: "Mission City Credit Union rates today: savings & CDs up to 3.80% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Mission City Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/mission-city" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mission City Credit Union Rates (Nov 2026): CDs to 3.80% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **15 Year Fixed / 75% CLTV** 15 year fixed | — APR | 7.500% | — | Standard | | **10 Year Fixed / 70% CLTV** 10 year fixed | — APR | 7.000% | — | Standard | Mission City Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Up to 48-Month New Auto Loan** auto_new_48mo | — APR | 5.240% | 48 mo · new | Standard | | **Up to 48-Month Used Auto Loan** auto_used_48mo | — APR | 5.490% | 48 mo · used | Standard | | **Up to 60-Month New Auto Loan** auto_new_60mo | — APR | 5.740% | 60 mo · new | Standard | | **Up to 60-Month Used Auto Loan** auto_used_60mo | — APR | 5.990% | 60 mo · used | Standard | | **Up to 72-Month New Auto Loan** auto_new_72mo | — APR | 5.990% | 72 mo · new | Standard | | **Up to 84-Month New Auto Loan** auto_new_84mo | — APR | 6.240% | 84 mo · new | Standard | | **Up to 72-Month Used Auto Loan** auto_used_72mo | — APR | 6.240% | 72 mo · used | Standard | | **Up to 84-Month Used Auto Loan** auto_used_84mo | — APR | 6.490% | 84 mo · used | Standard | | **New/Used Boats, RVs, etc. (Up to 84 Months)** boat_any_84mo | — APR | 7.990% | 84 mo · any | Standard | | **Up to 48-Month Motorcycle Loan** motorcycle_any_48mo | — APR | 8.240% | 48 mo | Standard | | **New/Used Boats, RVs, etc. (Up to 120 Months)** boat_any_120mo | — APR | 8.490% | 120 mo · any | Standard | | **Up to 60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 8.740% | 60 mo | Standard | | **Up to 72-Month Motorcycle Loan** motorcycle_any_72mo | — APR | 8.990% | 72 mo | Standard | | **New/Used Boats, RVs, etc. (Up to 180 Months)** boat_any_180mo | — APR | 8.990% | 180 mo · any | Standard | | **Up to 84-Month Motorcycle Loan** motorcycle_any_84mo | — APR | 9.240% | 84 mo | Standard | Mission City Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Lines of Credit (HELOC) (70% CLTV)** heloc_variable | — APR | 6.500% | — | Standard | | **Home Equity Lines of Credit (HELOC) (75% CTLV)** heloc_variable | — APR | 7.000% | — | Standard | | **75% CTLV** heloc | — APR | 7.000% | — | Standard | | **Home Equity Loans: 2nd Lien Fixed Rate (10 Year Fixed / 70% CLTV)** heloc_fixed | — APR | 7.500% | — | Standard | | **Home Equity Loans: 2nd Lien Fixed Rate (15 Year Fixed / 75% CLTV)** heloc_fixed | — APR | 8.250% | — | Standard | Mission City Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Signature/Debt Cancellation Loan (Up to 36 Months)** personal_unsecured_36mo | — APR | 9.990% | 36 mo | Standard | | **Share-Secured Loan** personal_secured | — APR | 10.240% | — | Standard | | **Signature/Debt Cancellation Loan (Up to 48 Months)** personal_unsecured_48mo | — APR | 10.490% | 48 mo | Standard | | **Signature/Debt Cancellation Loan (Up to 60 Months)** personal_unsecured_60mo | — APR | 10.990% | 60 mo | Standard | Mission City Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Rewards Credit Card** credit_card_rewards | — APR | 12.490% | — | Standard | Mission City Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **$2,000 - $9,999.99** savings | 1.05% APY | 1.05% | — | Standard | | **$10,000.00 - $99,999.99** savings | 1.25% APY | 1.25% | — | Standard | | **$100,000 - $249,999.99** savings | 1.60% APY | 1.60% | — | Standard | | **$250,000 And Up** savings | 2.40% APY | 2.40% | — | Standard | | **Mission City High Yield Checking*** checking | 3.00% APY | 3.00% | — | Standard | | **6-Month Fixed Rate** cd_6mo | 3.50% APY | 3.50% | 6 mo | Standard | | **12-Month Fixed Rate** cd_12mo | 3.55% APY | 3.55% | 12 mo | Standard | | **24-Month Fixed Rate** cd_24mo | 3.60% APY | 3.60% | 24 mo | Standard | | **36-Month Fixed Rate** cd_36mo | 3.80% APY | 3.80% | 36 mo | Standard | Mission City Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **70% CLTV** other | — % | 6.500% | — | Standard | Mission City Credit Union other rates as of November 13, 2026 Savings and certificate yields up to 3.80% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/mission-city) , verified from [Mission City Credit Union's official website](https://www.missioncityfcu.org/) Loading branch locator… ## About Mission City Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $164.3M Founded 1959 Locations reported 1 NCUA charter 13131 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Meriwest** Santa Clara Financial Center · Santa Clara · CA · 95050 About 0.5 miles away](https://rateapi.dev/credit-unions/california/meriwest) [**Keypoint** Santa Clara Branch · Santa Clara · CA · 95051-0734 About 1.8 miles away](https://rateapi.dev/credit-unions/california/keypoint) [**Star One** Branch - Stevens Creek · San Jose · CA · 95117 About 1.9 miles away](https://rateapi.dev/credit-unions/california/star-one) [**Mirastar** Corporate Office · San Jose · CA · 95110 About 2.1 miles away](https://rateapi.dev/credit-unions/california/mirastar) [**Provident** Branch Office · San Jose · CA · 95110-1322 About 2.2 miles away](https://rateapi.dev/credit-unions/california/provident) [**Technology** Corporate Office · San Jose · CA · 95131-2018 About 2.5 miles away](https://rateapi.dev/credit-unions/california/technology) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Mission City Credit Union Membership eligibility from Mission City Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Mission City Credit Union's website. Check the membership page below to confirm whether you qualify. - Location santa clara — CA Verified from [Mission City Credit Union's membership page](https://www.missioncityfcu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Mission City Credit Union Geography 1 county · Family 3 11 published paths to membership, last verified August 27, 2026, quoted from Mission City Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - City Of Santa Clara, CA - Santa Clara County, CA - Santa Clara, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Santa Clara County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling “Immediate family members of existing Mission City FCU members are eligible for membership. (Immediate family is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.)” > [source ↗](https://www.missioncityfcu.org/membership/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling) of a member - Family of a member household member “If you live in the same household of an existing Mission City FCU member, you are eligible for membership. (Household is defined as persons living in the same residence maintaining a single economic unit.)” > [source ↗](https://www.missioncityfcu.org/membership/) - Family member (household member) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships “Immediate family members of existing Mission City FCU members are eligible for membership. (Immediate family is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.)” > [source ↗](https://www.missioncityfcu.org/membership/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Mission City Credit Union? Yes No ## Work at Mission City Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Mission City Credit Union ranks against California peers. - See which AI assistants fetched Mission City Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=mission-city&state=california&code=CA&name=Mission%20City%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Mission City Credit Union offer? Mission City Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Mission City Credit Union rates updated? RateAPI verifies Mission City Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Mission City Credit Union's rate data? Rate data is collected directly from Mission City Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Mission City Credit Union's best CD rate? As of November 13, 2026, Mission City Credit Union offers savings and certificate (CD) yields up to 3.80% APY. ### Who can join Mission City Credit Union? Mission City Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 1 county for Mission City Credit Union, each quoted from Mission City Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Mission City Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.missioncityfcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Mission City Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Mission City Credit Union curl "https://api.rateapi.dev/credit-unions/california /mission-city " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Mission City Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/mission-city Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp