Loan Rates
Auto, Boat, RV, Motorcycle Refinance
| Term | APR as low as | Description |
|---|---|---|
| 90 Days No Payments | Meet or beat your current rate! | Not available for existing Mission City FCU loans |
New/Used Vehicles Rates
| Term | APR as low as | Monthly Payment / $1000.00 |
|---|---|---|
| Up to 48 Months | 5.74% - 14.74% | $23.37 - $27.70 |
| Up to 60 Months | 6.24% - 15.24% | $19.44 - $23.92 |
| Up to 72 Months | 6.49% - 12.49% | $16.81 - $19.81 |
| Up to 84 Months | 6.74% - 10.74% | $14.97 - $16.99 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
Electric/Plug-in Hybrid Vehicles
| Term | APR as low as | Monthly Payment / $1000.00 |
|---|---|---|
| Up to 48 Months | 5.49% - 14.49% | $23.25 - $27.57 |
| Up to 60 Months | 5.99% - 14.99% | $19.33 - $23.78 |
| Up to 72 Months | 6.24% - 12.24% | $16.69 - $19.68 |
| Up to 84 Months | 6.49% - 10.49% | $14.84 - $16.86 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
New/Used Boats, RVs, etc.
| Term | APR as low as | Monthly Payment / $1000.00 |
|---|---|---|
| Up to 84 Months | 7.99% - 13.99% | $15.58 - $18.73 |
| Up to 120 Months | 8.49% - 14.49% | $12.39 - $15.82 |
| Up to 180 Months | 8.99% - 14.99% | $10.14 - $13.99 |
120 Months - minimum amount financed $35k
180 Months - minimum amount financed $55k
Motorcycles
| Term | APR as low as | Monthly Payment / $1000.00 |
|---|---|---|
| Up to 48 Months | 6.74% - 15.74% | $23.83 - $28.21 |
| Up to 60 Months | 7.24% - 16.24% | $19.91 - $24.45 |
| Up to 72 Months | 7.49% - 13.49% | $17.29 - $20.33 |
| Up to 84 Months | 2.74% - 11.74% | $15.46 - $17.51 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
VISA® Card Rates
| Card Type | APR | Description |
|---|---|---|
| Credit Card | Low variable rate as low as 10.99% | No annual fee $25,000.00 maximum limit |
| Share Secured | 10.99% | No annual fee $25,000.00 maximum limit |
Share Secured Rates
| Term | APR | Description |
|---|---|---|
| 5 year max | 5.00% above share dividend rate | Fixed Rate |
Signature/Debt Cancellation Loan
| Type | APR as low as | Monthly Payment / $1000.00 |
|---|---|---|
| Up to 36 Months | 10.24% - 17.24% | $32.38 - $35.77 |
| Up to 48 Months | 10.74% - 17.74% | $25.72 - $29.24 |
| Up to 60 Months | 11.24% - 15.24% | $21.86 - $23.92 |
| * $50,000 maximum loan amount | ||
Home Equity Line of Credit
| Term | APR as low as |
|---|---|
| 70% CLTV | 7.00% - 9.00% |
| 80% CTLV | 7.50% - 8.50% |
Home Loans: 1st Lien (70% - 80% CLTV or less)
| Type | APR | Monthly Payment / $1000.00 |
|---|---|---|
| 10 Year Fixed / 70% CLTV | 7.50% - 9.00% | $11.87 - $12.67 |
| 15 Year Fixed / 80% CLTV | 7.75% - 9.25% | $9.41 - $10.29 |
| Borrow up to $500,000 | ||
Home Loans: 2nd Lien (70% - 80% CLTV or less)
| Type | APR | Monthly Payment / $1000.00 |
|---|---|---|
| 10 Year Fixed / 70% CLTV | 7.50% - 9.00% | $11.87 - $12.67 |
| 15 Year Fixed / 80% CLTV | 7.75% - 9.25% | $9.41 - $10.29 |
| Borrow up to $500,000 | ||
Savings Rates
Mission City High Yield Checking
| Account | Minimum to earn dividend | APY* |
|---|---|---|
| Mission City High Yield Checking* | $0.00 | 3.00% |
*To earn dividends, do the following between each monthly cycle: at least 15 debit and/or credit card transactions per month, have at least 1 regular direct deposit for $500 or more, and 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
| Account | Minimum to earn dividend | APY |
|---|---|---|
| 6-Month Fixed Rate | $2,500.00 | 3.50% |
| 12-Month Fixed Rate | $2,500.00 | 3.50% |
| 24-Month Fixed Rate | $2,500.00 | 3.55% |
| 24-Month Jumbo Fixed Rate | $100,000.00 | 3.60% |
| 36-Month Fixed Rate | $2,500.00 | 3.60% |
*Penalties may be applied for early withdrawals. Contact one of our member service representatives for more details.
Money Markets
| Account | Minimum to earn dividend | APY |
|---|---|---|
| $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% |
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
| Account | Minimum to earn dividend | APY* |
|---|---|---|
| Regular Shares | $10.00 | 0.10% |
| Secondary Shares | $5.00 | 0.10% |
| Vacation Club | $5.00 | 0.10% |
| Holiday Club | $5.00 | 0.10% |
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.
