FALL 2026
We love our Members!
Member Appreciation Day on August 15 was an opportunity to bring the whole Mission City family together. We appreciate you joining us for an incredible day of food and fun. Events like these are our way to say thanks to our members while we celebrate shared achievements and deepen our connections with the community.
Serving our members and strengthening our community is at the heart of everything we do, and we value any opportunity to listen to member stories, gather valuable feedback, and reinforce the personal bonds that keep us moving forward.
While Member Appreciation Day only comes once a year, we’re grateful for our members every day. Your ongoing support inspires us to work even harder to make our credit union and our community the best it can be.
Unlock your home’s value in retirement
Your house isn't just a roof over your head; it's a powerful financial tool. Partnering with Mission City allows you to put your home’s hard-earned value to work, turning your equity into the cash you need today for living expenses, home improvements, repairs, consolidating bills, and more.
It’s no surprise that home values in the bay area have skyrocketed over the years. But if you’ve been living here for a while, you might be surprised by what your home is worth now — and what you can do with that value, even after retirement. A fast, local Home Equity Loan from Mission City is one of the smartest ways to free up extra cash when life calls for it.
Because the loan is backed by your home, the interest rates are typically much lower than what you’d get with credit cards or standard personal loans. That makes a home equity loan a fantastic tool for tackling big-ticket items. Want to finally remodel that kitchen? Replace the roof? Add a room? Pay off high-interest credit cards? Your home’s equity lets you pay for major expenses without draining your savings.
At Mission City, we know the bay area real estate market inside and out. We can evaluate your property quickly, streamline underwriting, and get funds into your account fast. Plus, working with Mission City means you get real, face-to-face service. We’ll sit down with you to build a plan that fits your family's budget, offering predictable monthly payments so there are never any surprises.
Message from the CEO
Is a college degree still worth it in the age of AI?
With the cost of tuition continuing to rise and the advancement of powerful AI technology, many students and parents have begun to question the value of a college education.
For the 2025–26 academic year, College Board reported average published tuition and fees of $11,950 for in-state students at public four-year colleges and $45,000 at private nonprofit four-year institutions. It’s clear that college is a major investment, especially once families also consider books, housing, transportation, and other living expenses.
However, employment and income trends continue to favor college graduates. The Economist magazine estimates around 1 million new AI-related jobs created in the US, far exceeding the roughly 200,000 layoffs attributed to AI. In addition, college graduates consistently earn significantly higher median income and experience lower unemployment rates compared to high school graduates.
Furthermore, a degree provides far more than textbook knowledge—it cultivates critical thinking, ethical judgment, adaptability, and emotional intelligence. There will always be a place for college graduates with the human skills and judgement needed for complex situations.
Of course, a college degree is not automatically worth the cost for every student and every major. But with careful consideration and planning, a college degree can still be a strong long-term investment.
Mission City is committed to helping our students and their families with resources and solutions to help manage education costs effectively. We believe in the power of education and our young members’ ability to help shape a brighter future.
Families preparing for education expenses can review student loan options through Mission City Federal Credit Union’s student loans page.
Kamil Sakici
Chief Executive Officer,
Mission City Federal Credit Union