Back to Santa Clara credit unions

Mission City

1391 Franklin St, Santa Clara, CA 95050
NCUA Insured3.9 (25 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1959

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1391 Franklin St

Santa Clara, CA 95050

Service Area

This credit union is located in Santa Clara and serves members in the CA area. Currently serving 4,482 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.68%

Used Auto Loan

6.48%

Personal Loan

11.33%

Credit Card APR

9.68%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.9

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Soham S

Soham S

11 months ago

We were there just for a notary, but after waiting for more than 20 mins, they informed that it couldn't be done because of not having a savings account with them. Staffs are great, but they could have better service and organization.

Samantha

Samantha

3 years ago

Hi Mission City Bank! From your friendly neighbors across the way, can you please dim your flood lights or angle them down? There is no reason to have them shining up at the windows of your neighbors. Thank you.

Mohamed Nurahmed

Mohamed Nurahmed

2 years ago

Worst experience ever, especially the lady the one in the front. She’s so rude and disrespectful she profiled me . Louis convince me to apply for a personal loan through them, and after they run my credit and they get all of my information they declined me with no reason I asked them before they run my credit, and hurt my credit, if I am qualify, they say yes you are just so they can get the promotion or the commission out of me in the end after they declined me they say you’re not qualify without any reason I asked what’s the reason they refused to tell me I have the right to know what’s the reason of the declined, especially because they took all my information and they hurt my credit but I guess their goal was me opening an account with them. I will make sure to close it and I don’t want any business with them anymore most unprofessional bank I ever see.

Samantha Lou von Summer

Samantha Lou von Summer

9 years ago

The staff here has always treated me extremely well and have gone out of their way to be helpful. I have never had such wonderful banking experiences until going through Mission City FCU. Victoria, in particular, is always doing everything she can to help my family reach their financial goals and immediate needs. I love this credit union!

Kelly M. Marumoto

Kelly M. Marumoto

4 years ago

Recently visited with MCFCU about 2 issues. #1 credit card fraud. They were very helpful going over disputed charges and following thru with me to make sure each charge was reversed. #2 Purchasing CD's. Everything was patiently explained and all our question were answered regarding possible scenarios. We received excellent service from a patient and knowledgeable employee who spent about 45min with us as though there were nothing else she had to do. I'm so glad that my Mom is a member. She is in her mid 80's and gets to sad upset and confused when she receives impersonal personal service. This visit was a dream come true💐

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).