Mission Credit Union El Cajon CA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Mission Credit Union! Located conveniently at 270 Fletcher Pkwy, El Cajon, CA 92020, we have proudly served our community since 1961. As a trusted partner in your financial journey, we are committed to providing personalized banking solutions tailored to meet the unique needs of our 311,684 members. At Mission, we believe that strong communities are built on trust and support. Our impressive financial foundation is evident with total assets amounting to a robust $6,580,197,052 and total deposits reaching $874,339,855. Whether you're looking for personal banking options like checking and savings accounts or planning for major life events with our mortgage loans and auto financing services, we've got you covered. Our experienced team is led by CEO Doug Wright and Board President Scott Patterson, both dedicated to ensuring your banking experience is smooth and rewarding. With a workforce of 676 employees, we prioritize exceptional service and community engagement every day. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 270 Fletcher Pkwy, El Cajon, CA 92020. We invite you to explore our range of services available online at Mission Credit Union or give us a call at (858) 524-2850 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Join us at Mission Credit Union today where your financial well-being is our top priority!

Branch History & Mission

Community Engagement

Our commitment goes beyond just banking; it extends into the heart of our community. We actively participate in local events and initiatives aimed at uplifting those around us. Whether through partnerships with local organizations or hosting educational workshops on financial literacy, we are dedicated to making a positive impact in El Cajon. While you can visit us at 270 Fletcher Pkwy El Cajon Ca 92020 for all your banking needs during our operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM you can also reach out anytime at (858) 524-2850 for inquiries or support. In addition to standard services like ATM access and drive-thru banking, we provide a wealth of resources tailored for both personal and business banking clients. We invite you to explore what makes Mission more than just a credit union but a true community partner. Join us today! Become part of the Mission family and discover how we can help you reach your financial dreams while being an active participant in making El Cajon an even better place to live. Visit us online at Mission Fed or start your membership here. Your journey toward financial empowerment starts now!

Our Mission

At Mission, our mission is simple yet powerful: to empower our members through accessible financial services while actively supporting the communities we serve. We believe that everyone deserves the chance to achieve their financial goals, whether it's saving for a home, financing a vehicle, or planning for retirement. We strive to make banking easy and approachable with services like personal banking accounts, auto loans, mortgages, and credit cards that reward your loyalty. We are proud to have invested in digital advancements that enhance your experience with us. With features like online and mobile banking, e-statements, and person-to-person payments, managing your finances has never been easier. Moreover, our branch is fully ADA compliant, ensuring that all members can access our services comfortably.

Branch Location & Accessibility

Convenient Access and Amenities

At our El Cajon branch, we prioritize your convenience. You'll find ample parking right outside, ensuring a hassle-free experience when you arrive. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances for all members. We understand that your time is valuable. That's why we offer both drive-thru banking and ATM availability for those who prefer to handle their transactions on the go. Our drive-thru service allows you to deposit or withdraw cash without leaving your vehicle, while our ATMs provide quick access to your funds anytime.

Operating Hours Tailored for You

Our operating hours are designed to fit your schedule. Visit us Monday through Thursday from 9:00 AM to 5:00 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 1:00 PM. Whether you need assistance during the week or a quick visit on Saturday morning, we're here to help.

Reach Out Anytime

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 858-524-2850. Our friendly staff is always ready to assist you with personal banking needs like checking and savings accounts, auto loans, mortgages, and more. While members can visit us at 270 Fletcher Pkwy, official correspondence should be sent to the same address. We look forward to welcoming you at our Mission branch!

Member Eligibility

Joining the Mission community is a wonderful step towards achieving your financial goals! To become a member, you simply need to meet certain eligibility criteria that are designed to ensure our services fit your needs. Generally, anyone who lives, works, worships, or attends school in the area surrounding 270 Fletcher Pkwy El Cajon Ca 92020 can apply for membership. We believe in inclusivity and are dedicated to supporting our members through personalized service and a variety of financial products tailored just for you. If you're ready to take this step, opening an account with us is straightforward and welcoming! For detailed information about eligibility, visit our website at http://www.MissionFed.com/membership/, where you can find all the specifics you need. When you're ready to join us, check out the account opening process at https://digitalservices.missionfed.com/apps/mfcuolb/#_frmenrollnow. If you have any questions or need assistance along the way, don't hesitate to give us a call at (858) 524-2850. We're excited to welcome you into our family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $399 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $30 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $712,165,011, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are designed to simplify transactions and enhance customer experiences. Imagine having the ability to accept payments on the go or managing your sales through a user-friendly platform. Our services can help streamline operations so you can focus on what you do best growing your business. Located at 270 Fletcher Pkwy El Cajon Ca 92020, El Cajon, CA, our team is here to guide you every step of the way. Connect with us today at (858) 524-2850 to explore how we can partner in your success!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash in a pinch? Our ATM and cash withdrawal services ensure you're never far from accessing your funds. We also provide basic drive-thru banking for deposits and simple transactions perfect for those busy days! At Mission, we strive to make banking accessible and convenient for everyone in El Cajon. If you're ready to explore these services further or have questions about how we can assist you, don't hesitate to reach out! Call us at 858-524-2850 or visit us online at www.MissionFed.com. We look forward to serving you!

Auto Loans & Vehicle Financing

For those looking to hit the road, our auto loans and vehicle financing options can get you behind the wheel without breaking the bank. Imagine driving off in your dream car while enjoying competitive rates and flexible terms tailored to fit your budget.

Business Banking Solutions

For entrepreneurs and small business owners, our business banking solutions, including merchant services and business loans, are designed to help you thrive. Imagine running your business smoothly with financial support tailored specifically for your needs.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase can bring you closer to exciting perks. Whether it's travel points or cashback on everyday purchases, we have options that enhance your spending power while rewarding you along the way.

Mortgage Loans & Refinancing

If homeownership is on your mind, check out our mortgage loans and refinancing services. We know buying a home is one of the biggest decisions you'll ever make, so we're here to guide you through every step of the process from finding the right loan to securing favorable terms that suit your financial goals.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone or clicks on your computer, you can check balances, pay bills, or transfer funds easily.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your daily finances effortlessly. Whether you're saving for a rainy day or planning a big purchase, our accounts come with features that make managing your money straightforward and stress-free.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options provide quick access to cash when you need it most. Picture consolidating high-interest debts into one manageable payment, making it easier for you to regain control over your finances.

Digital & Online Banking

Key Features

With features like electronic signature authorization, signing documents has never been simpler or more secure. You can say goodbye to printing and mailing paperwork just sign electronically from the comfort of your home. If you're looking to go green, you'll appreciate our e-statements availability. This feature allows you to receive your bank statements digitally, cutting down on paper waste while ensuring you stay organized and informed about your account activity. For those who love the convenience of mobile payments, Mission has got you covered! With our mobile payments feature, making purchases with your phone is quick and easy. Plus, our dedicated mobile application makes it simple to manage all aspects of your banking right from your smartphone. Need to send money to a friend or family member? Our person-to-person transfer option allows for quick and hassle-free transactions directly from your account. In addition to these features, our friendly team is always here to help if you have questions or need assistance navigating our digital offerings. Experience the ease of modern banking with Mission, where managing your money is just a click away!

Financial Strength

At Mission, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on our strong financial position, which is reflected in various metrics that demonstrate our commitment to serving you with confidence. With a net worth of $794,557,494, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,204 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $2,195,940,789 in share certificates and $548,946,797 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $150,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our financial strength is further supported by $777,979,315 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $29,284 in used auto loans and $4,584,871,764 in total loans and leases, our lending capacity supports members' financial goals across various sectors. While maintaining operational efficiency, our performance reflects positively with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 625 full-time employees and 51 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our net shares available for lending and investments stand at $12,471,975, while the total number of share accounts has reached an impressive 680,726, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mission is your trusted partner. Visit us at 270 Fletcher Pkwy El Cajon Ca 92020 or call (858) 524-2850 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $475,373,464 in used vehicle loans and $331,955,015 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make it easier for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $712,165,011 provide the capital needed to grow and expand. We understand that small businesses are vital to our community and are here to support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $346,696,907, make buying or refinancing simple. We can help you navigate the process and find a solution that works for you.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that could save you money on interest and lower your monthly payments. Speak with one of our loan specialists today for personalized advice based on your financial situation. At Mission in El Cajon (located at 270 Fletcher Pkwy), we're dedicated to providing straightforward solutions tailored to your financial needs. For more information about our loan products or to discuss eligibility options, please reach out at (858) 524-2850 or visit us online at Mission Fed. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $289,636,936 in loans helping members manage their finances effectively. Enjoy the convenience of having access to funds when you need them most.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users navigate their loan options confidently. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing verified information guarantees that users receive fair and transparent offers, allowing them to make informed financial decisions. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring that users have access to trustworthy information. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can trust that the options presented are genuinely competitive. LendMesh also provides real-time rate comparisons, featuring up-to-date loan rates from multiple institutions. This feature empowers users to compare various offers easily and select the one that best suits their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to find the best loan rates for your needs? Compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Mission