WINTER 2026
Three Small Steps to Build Big Savings
- Debit Card Round Up - Save money as you shop by “rounding up” debit card purchases and depositing the funds into a designated checking or savings account. This program is totally free and has zero risk of overdrawing from your account. Enroll through online banking if you haven’t yet!
- Automatic Transfer - Set up your accounts for direct deposit and regular automatic transfers to help you put money aside on a regular basis, hassle free.
- Know more, save more - Install the ZOGO financial literacy app and earn real-world rewards while you learn. There are over 800 fun and interesting bite-size modules to explore on intelligently saving, spending, and managing money.
Four Quick Tips to Boost Your Credit Score
- Understand where your credit score comes from - Do you pay your bills on time? What is your outstanding debt? How long is your credit history? Have you applied for new credit lately?
- Make on-time payments - Paying your bills by the due date is very important to improve your credit score. Automatic payments may be helpful as long as you avoid overdrafting your account.
- Pay down account balances - A low credit limit can lead to a high utilization rate, even if you pay regularly. Consider multiple payments or paying shortly before your monthly statement date to keep your balance low throughout the month.
- Dispute inaccurate information on your credit report - You have the right to dispute inaccurate or fraudulent information on your credit report with the credit reporting agencies. This is especially important if you have been the victim of identity theft.
UPCOMING HOLIDAY CLOSURES
New Year’s Day
Thur., Jan.1, 2025
Birthday of Martin Luther King, Jr.
Mon., Jan. 17, 2026
President’s Day
Mon., Feb. 16, 2026
Recent Newsletters
__________
MAIN OFFICE
Phone: (408) 244-5818
www.MissionCityFCU.org
OFFICE HOURS
Mon-Fri: 9am-5pm
Member Services
1391 Franklin Street,
Santa Clara, CA 95050
Budgeting & Financial Wellness Tools
At Mission City FCU, empowering members is our top priority. To make budgeting easier and to help members improve their financial wellness, we give you full access to the tools:
- GreenPath financial wellness offers a variety of tools to help Mission City FCU members lead more financially healthy lives. They offer counseling and management services for Debt, Student Loans, Mortgages and more.
- Take charge of your 2026 financial goals with our personal financial management tool, MyFinances. This tool gives you a comprehensive view of your MCFCU accounts and accounts from other financial institutions. You can access MyFinances when you login to Online Banking. Track your spending, set up alerts, create a budget and more!.
Message from the CEO
Dear Mission City FCU members,
At Mission City FCU we’re entirely focused on delivering the best value to our members, and I’m excited to share with you some of the many ways we have worked to improve our members’ lives in 2025.
We are proud to say that we were able to save our members an average of $614, according to our 2025 Membership Benefits Report from America’s Credit Unions.
In January 2025 we launched our High-Yield Checking accounts, with no monthly fees, free Online/Mobile Banking, Mobile Check deposit and 30,000+ free ATMs.
We have one of the lowest NSF and Courtesy Pay fees in the market at $20, and we are further reducing these fees to just $14 in January 2026.
We’ve also been hard at work to improve security and reduce fraud risk by implementing secure measures such as Multi-Factor Authentication back in October 2025.
In April of 2025 we implemented WebChat through online banking to help you find answers fast.
We’ve recently launched a new and improved Community Connections Center on our website, with a local events calendar to help you find the best things to do in Santa Clara and plenty of good news on current and past events in our community.
These are just a few recent examples of the ways we have delivered value and connected to our members and our community. I am grateful for your support as we continue to make life in Santa Clara the best it can be!
Kamil Sakici
Chief Executive Officer,
Mission City Federal Credit Union