Mission Credit Union Encinitas CA | Affordable Vehicle Loans & Top Checking

Introduction

Welcome to Mission Credit Union, your trusted financial partner located at 294 N El Camino Real, Encinitas, CA 92024. Since our establishment in 1961, we have proudly served the community and built strong relationships with our members. With a total membership of over 311,684, we are dedicated to providing personalized banking services tailored to meet your needs. At Mission Credit Union, we understand that financial well-being is key to achieving your dreams. That's why we offer a wide range of products including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Our total assets stand at an impressive $6,580,197,052, reflecting our commitment to helping you grow your financial future. Our leadership team is committed to transparency and excellence. Under the guidance of CEO Doug Wright and Board President Scott Patterson, we strive to create an environment where our members feel valued and supported. We also take pride in our dedicated staff of 676 employees, who are here to assist you from Monday through Saturday. Whether you're looking for a new car loan or planning for retirement, Mission Credit Union has the resources and expertise to help you succeed. You can reach us at (858) 524-2850 for any inquiries or visit our website at missionfed.com for more information about our services. While members can visit us at 294 N El Camino Real, official correspondence should be sent to the same address. We invite you to stop by or call us today let's work together toward your financial goals!

Branch History & Mission

Commitment to Service

At Mission, our operating hours are designed to accommodate your busy lifestyle: 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 4:00 pm. We also offer convenient ATM access for easy cash withdrawals and account management on-the-go. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address at 294 N El Camino Real, Encinitas, CA 92024 if different from the branch address. Our commitment extends to embracing digital advancements that make banking easier than ever. With online banking services available along with mobile payments and e-statements, managing your finances has never been simpler or more accessible.

Join Us

As we look toward the future, we remain steadfast in our mission: empowering individuals and families through exceptional financial services while nurturing a strong sense of community. We invite you to become part of the Mission family today. Experience the benefits of membership by visiting us at Mission or call us at (858) 524-2850 for more information on how we can serve you better. Join us on this journey as we continue to grow together!

Our Journey

Mission was founded with a clear vision: to provide accessible financial services that empower members to take control of their finances. Since opening our doors in 1961, we've reached significant milestones. Today, we proudly hold over $6.58 billion in total assets. This growth reflects our commitment to offering valuable services such as personal banking options including checking and savings accounts as well as auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our mission goes beyond numbers. We aim to create lasting relationships with our members by being a reliable source of guidance and support. Through various outreach programs and partnerships within the community, we strive to uplift those around us and promote financial literacy. We are here to educate our members about money management while providing them with the tools needed for success.

Branch Location & Accessibility

Get in Touch!

If you have any questions or need assistance before visiting us, don't hesitate to give us a call at 858-524-2850. Our friendly staff is eager to help you with whatever you need! Come experience the community-focused service at Mission Federal Credit Union where your financial well-being is our priority. We look forward to welcoming you soon!

Nearby Landmarks and Accessibility

Our branch is situated near popular spots such as the stunning beaches of Encinitas and the lively downtown area, making it a breeze to stop by while enjoying your day out. We take pride in ensuring that everyone can visit us comfortably, so our location features ADA-compliant access and convenient parking options. While members can visit us at 294 N El Camino Real, official correspondence should be sent to the same address for consistency.

Operating Hours and Services

We understand that your time is valuable. That's why we offer flexible operating hours to accommodate your busy schedule. Our lobby is open 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 4:00 pm. Feel free to drop by during these hours for personal banking services like checking and savings accounts, auto loans, mortgage options, and more. For those who prefer self-service options, we have an ATM available on-site for easy cash withdrawals and balance checks. While we do not offer drive-thru banking at this location, our team is always ready to assist you inside with any of your banking needs.

Member Eligibility

Becoming a member of Mission is like joining a family that truly cares about your financial well-being. To be eligible, you need to either live, work, worship, or attend school in the areas we serve. We believe that everyone deserves access to quality financial services, and we're here to help you every step of the way. At Mission, you'll enjoy a variety of benefits, including personalized service, competitive rates on loans and savings accounts, and access to community events. Getting started is easy! If you're ready to open an account, just visit us at 294 N El Camino Real Encinitas Ca 92024 or check out our online application process by following this link: https://digitalservices.missionfed.com/apps/mfcuolb/#_frmenrollnow . If you have any questions or need assistance, feel free to call us at (858) 524-2850. For more detailed eligibility information, visit our membership page at http://www.MissionFed.com/membership/ . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing for Growth

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 That Work

In today's fast-paced world, having efficient payment options is crucial. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine seamlessly accepting payments from customers through various channels, which not only boosts sales but also enhances customer satisfaction. Located at 294 N El Camino Real Encinitas Ca 92024 in Encinitas, CA, we invite you to explore how our tailored solutions can empower your business to thrive. Reach out today at (858) 524-2850 and let's grow together!

Comprehensive List Of Services

Digital Convenience

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking features that allow you to manage your accounts from anywhere. With secure access to your finances, you can check balances, transfer funds, and even pay bills right from your phone or computer. Plus, our ATM services ensure that cash withdrawals are just a few taps away.

Lending Solutions

In addition to personal loans for everyday expenses or debt consolidation, we offer credit cards that come with rewards programs because who doesn't love earning points on purchases? These options allow you to enjoy benefits while managing your spending. For small business owners, we understand that having access to funds is crucial. Our business banking services include merchant services and business loans, helping you operate smoothly and grow your business effectively.

Member Support

At Mission, member service is at the heart of what we do. Our friendly staff is always ready to assist you over the phone at (858) 524-2850 or in person during our convenient operating hours: Monday-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 4:00 pm. We invite you to explore all that we have to offer and discover how our comprehensive range of services can enhance your financial life. Visit us at Encinitas today or check out our website for more information on opening an account or accessing any of our financial products. Your financial wellness starts here!

Personal Banking Services

One of the cornerstones of our offerings is personal banking. We provide various options, including checking and savings accounts, designed to help you manage your money effectively. For those looking to purchase a vehicle, our auto loans and vehicle financing solutions make it simple to get behind the wheel without breaking the bank. Imagine driving off in your dream car while knowing you secured a competitive rate! If you're considering buying a home or refinancing an existing mortgage, our mortgage loans can guide you through the process. We aim to make this significant decision as straightforward as possible, offering personalized support every step of the way.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services are available 24/7, giving you the freedom to check your balance, transfer funds, and pay bills on your schedule. Whether you're at home or on the go, you'll find that managing your accounts is simple and straightforward. Plus, with options like electronic signature authorization, signing documents has never been easier or safer. For those who prefer going paperless, e-statements are also available at Mission. This not only helps you stay organized but also contributes to a greener planet by reducing paper waste. And if you're looking to make payments even easier, our mobile payments feature allows you to send and receive money quickly and securely right from your smartphone. Our mobile application takes this a step further, offering you complete control over your finances anytime, anywhere.

Stay Connected with Person-to-Person Transfers

Need to split the bill for dinner or send money to a friend? Our person-to-person transfer service makes it easy! With just a few taps on your phone or clicks on our website, you can send money directly from your account without any hassle. At Mission, we prioritize security in all our digital banking features. Your information is protected with advanced encryption technology, ensuring that your personal data remains safe while using our services. In summary, our digital and online banking solutions provide unmatched accessibility and ease of use. Whether it's checking balances, making payments, or transferring funds, everything is designed with you in mind. Embrace the convenience of modern banking today with Mission!

Financial Strength

Growing Membership Trust

Total Share and Deposit Accounts stand at 680,726, showing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments): $12,471,975 further highlight our robust financial standing. 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 294 N El Camino Real Encinitas Ca 92024 or call (858) 524-2850 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Operational Efficiency

Our operational efficiency is evident 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.

Reinvestment in Member Services

With $777,979,315 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $29,284 in used auto loans and $4,584,871,764 in total loans and leases.

Strong Financial Health

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 commitment to financial stability is reflected in our net worth ratio of $1,204, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 financing options for both new and used vehicles, ensuring you can find the perfect fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $712,165,011 provide the capital needed to grow and expand. We offer tailored solutions that support small businesses in achieving their operational goals. Our loan products are backed by performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in learning more about eligibility or refinancing options, don't hesitate to reach out. For personalized assistance or questions about our loan offerings, feel free to contact us at (858) 524-2850 or visit us at our branch located at 294 N El Camino Real Encinitas Ca 92024 in Encinitas, CA. Let's work together to find the right financing solution for you!

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. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is ready to guide you through each step of the process.

Unsecured Credit Card Loans

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. These cards provide an excellent way to handle unexpected expenses while building your credit.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced 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 using verified data ensures that users receive fair and transparent offers. Each loan comparison reflects current market rates, allowing for a clear view of available options.

MISSION FEDERAL CREDIT UNION - Encinitas, CA