Loan Rates
Car, 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 Car Rates
| Term | APR as low as | Monthly Payment Per $1,000 |
|---|---|---|
| Up to 48 Months | 5.24% - 13.99% | $23.14 - $27.32 |
| Up to 60 Months | 5.74% - 14.49% | $19.21 - $23.52 |
| Up to 72 Months | 5.99% - 11.74% | $16.57 - $19.42 |
| Up to 84 Months | 6.24% - 9.99% | $14.72 - $16.60 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
Used Car Rates
| Term | APR as low as | Monthly Payment Per $1,000 |
|---|---|---|
| Up to 48 Months | 5.49% - 14.24% | $23.25 - $27.45 |
| Up to 60 Months | 5.99% - 14.74% | $19.33 - $23.65 |
| Up to 72 Months | 6.24% - 11.99% | $16.69 - $19.54 |
| Up to 84 Months | 6.49% - 10.24% | $14.84 - $16.73 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
New/Used Boats, RVs, etc.
| Term | APR as low as | Monthly Payment Per $1000 |
|---|---|---|
| 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 Per $1000 |
|---|---|---|
| Up to 48 Months | 8.24% - 16.99% | $24.53 - $28.85 |
| Up to 60 Months | 8.74% - 17.49% | $20.63 - $25.12 |
| Up to 72 Months | 8.99% - 14.74% | $18.02 - $21.00 |
| Up to 84 Months | 9.24% - 12.99% | $16.21 - $18.19 |
72 Months - minimum amount financed $25k
84 Months - minimum amount financed $35k
VISA® Card Rates
| Card Type | APR | Description |
|---|---|---|
| Rewards Credit Card | Low variable rate as low as 12.49% | No annual fee $25,000 maximum limit |
| Share Secured | Low variable rate as low as 10.24% | No annual fee $25,000 maximum limit |
Share Secured Rates
| Term | APR | Description |
|---|---|---|
| 4 year max | 3.00% above share dividend rate | Fixed Rate |
Signature/Debt Cancellation Loan
| Type | APR as low as | Monthly Payment Per $1000 |
|---|---|---|
| Up to 36 Months | 9.99% - 16.99% | $32.26 - $35.65 |
| Up to 48 Months | 10.49% - 17.49% | $25.60 - $29.11 |
| Up to 60 Months | 10.99% - 14.99% | $21.74 - $23.78 |
| * $50,000 maximum loan amount | ||
Home Equity Line of Credit
| Term | APR as low as |
|---|---|
| 70% CLTV | 6.50% - 8.50% |
| 75% CTLV | 6.99% - 7.99% |
| Borrow up to $1,000,000 | |
Home Loans: 1st Lien (70% - 80% CLTV or less)
| Type | APR | Monthly Payment Per $1000 |
|---|---|---|
| 10 Year Fixed / 70% CLTV | 7.00% - 8.00% | $11.61 - $12.13 |
| 15 Year Fixed / 75% CLTV | 7.50% - 9.00% | $9.27 - $10.14 |
| Borrow up to $500,000 | ||
Home Loans: 2nd Lien (70% - 80% CLTV or less)
| Type | APR | Monthly Payment Per $1000 |
|---|---|---|
| 10 Year Fixed / 70% CLTV | 7.50% - 8.50% | $11.87 - $12.40 |
| 15 Year Fixed / 75% CLTV | 8.25% - 9.75% | $9.70 - $10.59 |
| 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 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 | 3.30% |
| 12-Month Fixed Rate | $2,500.00 | 3.35% |
| 24-Month Fixed Rate | $2,500.00 | 3.40% |
| 24-Month Jumbo Fixed Rate | $100,000.00 | 3.45% |
| 36-Month Fixed Rate | $2,500.00 | 3.60% |
| 36-Month Jumbo Fixed Rate | $100,000.00 | 3.65% |
*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 | 1.05% |
| $10,000.00 - $99,999.99 | $10,000.00 | 1.25% |
| $100,000 - $249,999.99 | $100,000.00 | 1.60% |
| $250,000 and up | $250,000 | 2.40% |
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 | 2.00% |
| Holiday Club* | $5.00 | 2.00% |
*Vacation/Holiday Club earn a 2.00% APY on balances up to $5,000 and 0.10% APY thereafter
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.
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