APY
0.03%
As of Nov 1, 2026. Rates are variable.
Mission · Checking account
Mission Smart Checking
$1 a year for an everyday customer. $7 a month. $5 to open.
- A year, everyday customer
- $1
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer's page · missionfed.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · missionfed.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · missionfed.com
The source states this figure; we have no exact sentence on file yet.
Offer
Bonus
$5 deposited within 90 days
Mission Smart Checking · Mission · for new customers
Ends Dec 31, 2026Meet it within 90 daysNew customers only
“Mention this offer and open an account by December 31, 2026, with at least five eligible member-initiated transactions posted to the account within 90 days of account opening.”The bank’s page, checked Nov 1, 2026
Features
- Bill pay
- Branch access
- Check writing
- Contactless card
- Debit card
- Free checks
- Interest bearing
- ITIN accepted
- Live chat
- Minor accounts
- Mobile check deposit
- Online opening
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $500missionfed.com, checked Nov 1, 2026
- To earn the APY
- at least $500.00 on depositmissionfed.com, checked Nov 1, 2026
Fees
- Monthly fee
- $7 a monthmissionfed.com, checked Nov 1, 2026
- Ways to avoid the monthly fee
- Any one of these:
- maintain a monthly direct deposit of $500 or more
- maintain an average daily balance of $1,500
- Minimum to open
- $5missionfed.com, checked Nov 1, 2026
- ATM network
- CO-OP ATMs nationwidemissionfed.com, checked Nov 1, 2026
- ATMs in the network
- 30,000missionfed.com, checked Nov 1, 2026
Who can open it
- Where
- Near its branchesmissionfed.com, checked Nov 1, 2026
- Membership
- Membership required:
- Anyone who lives, works, worships or attends school in San Diego County
- Volunteers or members of partner organizations
- Immediate family members or a household of an existing member
- Employees of Mission Fed Credit Union
- Minimum age
- 13missionfed.com, checked Nov 1, 2026
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees