Loan & Savings Rates

Loan Rates

Auto, Boat, RV, Motorcycle Refinance

TermAPR as low asDescription
90 Days No PaymentsMeet or beat your current rate!Not available for existing Mission City FCU loans

New/Used Vehicles Rates

TermAPR as low asMonthly Payment / $1000.00
Up to 72 Months5.99% - 12.99%$16.57 - $20.07
Up to 84 Months6.49% - 13.49%$14.84 - $18.46
Current as of November 15, 2024 *APR=Annual Percentage Rate.

Electric/Plug-in Hybrid Vehicles

TermAPR as low asMonthly Payment / $1000.00
Up to 72 Months5.74% - 12.74%$16.45 - $19.94
Up to 84 Months6.24% - 13.24%$14.72 - $18.32
Current as of November 15, 2024 *APR=Annual Percentage Rate.

New/Used Boats, RVs, Motorcycles, etc.

TermAPR as low asMonthly Payment / $1000.00
Up to 120 Months7.24% - 14.24%$11.74 - $15.69
Up to 180 Months38.24% - 15.24%$9.70 - $14.17
Up to 240 Months48.49% - 15.49%$8.68 - $13.55
Current as of November 15, 2024 *APR=Annual Percentage Rate.

VISA® Card Rates

Card TypeAPRDescription
Credit Card10.99%No annual fee $25,000.00 maximum limit
Share Secured10.99%No annual fee $25,000.00 maximum limit
Current as of November 15, 2024 *APR=Annual Percentage Rate.

Signature Rates

APRMonthly Payment / $1000.00
Line of Credit9.50% - 16.50%$21.01 - $24.58
Closed End9.50% - 16.50%$21.01 - $24.58
Current as of November 15, 2024 *APR=Annual Percentage Rate

Share Secured Rates

TermAPRDescription
5 year max5.00% above share dividend rateFixed Rate
Current as of November 15, 2024 *APR=Annual Percentage Rate

Debt Cancellation Loan

TypeAPR as low asMonthly Payment / $1000.00
Up to 60 months8.99%$20.76
*$25,000 maximum loan amount
Current as of November 15, 2024 *APR=Annual Percentage Rate.

Home Equity Line of Credit

TypeAPR as low asDescription
Line of Credit8.25%• 25 year term, 10 year draw period, 15 year repayment period
• $500K maximum
Rates as low as Prime + 0.50%. Current as of November 15, 2024 *APR=Annual Percentage Rate.

Home Loans: 1st Lien

TypeAPRMonthly Payment / $1000.00
10 Year Fixed6.00% - 13.00%$11.11 - $14.93
15 Year Fixed6.25% - 13.25%$8.58 - $12.82
20 Year Fixed6.50% - 13.50%$7.46 - $12.09
Borrow up to $500,000
Current as of November 15, 2024 *APR=Annual Percentage Rate.

Home Loans: 2nd Lien (70% LTV or less)

TypeAPRMonthly Payment / $1000.00
10 Year Fixed7.25% - 14.25%$11.74 -$15.68
15 Year Fixed7.50% - 14.50%$9.28 - $13.66
70% LTV or less, up to $500,000
Current as of November 15, 2024 *APR=Annual Percentage Rate.

Home Loans: 2nd Lien (70 - 80% LTV)

TypeAPRMonthly Payment / $1000.00
10 Year Fixed7.50% - 14.50%$11.88 - $15.83
15 Year Fixed7.75% - 14.75%$9.42 - $13.83
70.01% - 80% LTV, up to $500,000
Current as of November 15, 2024 *APR=Annual Percentage Rate

Savings Rates

Yield Plus Checking

AccountMinimum to earn dividendAPY*
Yield Plus Checking*$0.00 3.00%
Current as of November 15, 2024 *APY=Annual Percentage Yield.
*To earn dividends, do the following between each monthly cycle: at least 10 debit/credit transactions (Non-ATM), have at least 1 regular direct deposit for $100 or more, be enrolled in estatements. 3.00% APY dividends are paid when all monthly qualifications are met based on your average daily balance up to $10,000 and 0.10% APY thereafter.

Share Certificates

AccountMinimum to earn dividendAPY
6-Month Fixed Rate$2,500.00 2.75%
12-Month Fixed Rate$2,500.00 4.00%
24-Month Fixed Rate$2,500.00 4.00%
24-Month Jumbo Fixed Rate$100,000.00 4.05%
36-Month Fixed Rate$2,500.003.50%
Current as of November 15, 2024 *APY=Annual Percentage Yield.
*Penalties may be applied for early withdrawals. Contact one of our member service representatives for more details.

Money Markets

AccountMinimum to earn dividendAPY
$2,000 - $9,999.99$2,000.00 0.75%
$10,000.00 - $99,999.99$10,000.00 1.10%
$100,000 and up$100,000.00 1.20%
Current as of November 15, 2024 *APY=Annual Percentage Yield.
The Mission City Money Market Account is a tiered, variable rate account. Interest is paid at tier rates on balances within each tier. The required minimum opening deposit is $2,000. Ongoing APYs and tiers may change at any time without notice. Limit one Money Market Account per account number.

Savings (Share) Accounts

AccountMinimum to earn dividendAPY*
Regular Shares$10.00 0.10%
Secondary Shares$5.00 0.10%
Vacation Club$5.00 0.10%
Holiday Club$5.00 0.10%
Current as of November 15, 2024 *APY=Annual Percentage Yield. Rates are subject to change after account opening without notice.

Financial Resources for Whatever

As the only financial institution founded and operating exclusively inside of Santa Clara City boundaries, we're committed to the people and future of this community.