Mission Federal Credit Union

Sr. Financial Services representative, Jacob Gonzales was my initial contact when I opened my account and has been very helpful ever since. I’m new to San Diego and had to start all over again because my bank doesn’t have branches here. I am very happy to finally join a credit union and Mission being a federal one, I am pleased that I can do my transactions anywhere in the country now! Thanks Jacob, for making my transition so easy! Looking forward to winning the lottery… no pressure ;-)

Initially I was excited to see what they offered and how they compared to SDCCU.
I’m looking to open an account with a credit union because they generally offer much better loan rates and there’s generally fewer hidden fees/​surcharges etc.
I inquired first over the phone for a auto refinance loan and was offered the same rate 1.49% with Mission Fed. and San Diego Co. Credit Union. Not bad, in fact pretty good.
I walked into the Little Italy branch and sat down with their rep. and discussed opening an account and refinancing my existing car loan.
He said that they’re having a «promotion» and that I could receive $ 50 back and also .25% off the APR. I told him that that would be a slam dunk for me then.
He said sure, that he would 1^st need approval from his supervisor. He then comes back and says he’s sorry but they can’t honor this promotion to me because I’ve already «opened» an account with them. I explained that I didn’t open an account but only got pre-​approved for the loan with them and SDCCU. His supervisor then comes in to explain how I don’t qualify for the promotion because I’ve already started the process. What? Where on the promotion flyer does it say anything about that? He said that in writing… uh…he was unable to find it because it doesn’t exist. All the promotional flyer says is «open a checking account with us and receive: $ 50 one-​time deposit, mortgage discount $ 300, auto loan rate discount 0.25% off APR, and credit card rewards: get 5,000 pts. an approved card.
That supervisor said that he would try to get me the best rate. But that rate would still be 1.49% I asked him why would they offer up a promotion and not deliver on it and he just defaulted to the say he couldn’t because I already initiated a loan over the phone.
After speaking to the Branch Manager, she very effectively articulated that the 1.49% IS a promotion and that the .25% promotion would not apply. That in effect you can’t use a promotion on an existing promotion. It makes sense to me although the flyer is misleading by not detailing that little caveat. And the guy on the phone never stated that the 1.49% is a promotion.
So, what’s supposed to be a better service unlike the «BIG Banks», their practices makes me skeptical.
I’ll take my business elsewhere thank you! San Diego Co. Credit Union it is.

Long story, short. Got here, within seconds got help. Service was excellent ! Dont regret coming ar all. By the way this location is new still !

I can not tell you how happy I was when I learned Mission Federal was opening up a branch in the heart of Little Italy near downtown San Diego. I am here often, especially on the weekends, and until now, it was always a pain trying to find a Credit Union near by to use, but now, all will be good, now that they have opened.
I stopped not only to make a cash withdraw for my weekend adventures, but to also welcome them to the neighborhood. The cash withdraw was a breeze and as usual, the customer service was top rate. I love their friendly demeanor yet professional attitude when I visit a Mission Federal Credit Union.
They are no doubt one of the best credit unions in town, and I look forward to visiting this branch, many times in the future. On a side note, it is a very good looking branch. They plan to have a 24 hour ATM available soon right inside the door. Hooray!