Mission Federal Credit Union

What a horrible bank. They treat you like you are beneath them, they screw up transactions and then charge you to fix them, and they are not members of the CU group (just their ATMs). I’ve banked with them for over 5 years and now I’m moving all my accounts. Don’t deal with this bank, go somewhere else.

Mission Federal Credit Union is where I have my primary bank account. I’ve had other secondary accounts elsewhere, but ended up closing most of them because what was the point? I have always had the best customer service at this bank to this day.
Their facility is always kept immaculate. They have this nifty coin redemption machine on site too. It’s nothing like the filthy ones you see at many grocery stores. Plus, there’s no service fee, if you are an MFCU member.
Today, I stopped in to deposit a check into my account. My Teller (#1905), Araceli, was quick, efficient, and friendly. I loved that she made the transaction so effortless on my part.
After my deposit, Araceli directed me to a comfortable seating area, in which I only sat for maybe 30 seconds. Brittney, a Financial Services Representative, took over to handle a separate transaction and some paperwork for me. I just had to answer a few questions and she gracefully handled the rest. I can’t believe it only took about 5 minutes tops!
I will continue banking here for many years to come.

We’ve been banking with mission fed for about 5 years now. I physically go into the bank maybe once every 3 months. Every time, including today, they tell
Me what they can’t do. The customer service is terrible. They can’t make my statements go only online. It can only be done from online-​why do you have people working there if they can’t help you? Wouldn’t you think they would want to save the paper and postage too? Their coin machine is broken. She told me to go to mission valley. She can’t help me. There were three tellers standing there with no one in line and you can’t help me? With a baby in my arms? I get it– you don’t want to roll coins. I had maybe $ 10 worth… Maybe. Thanks again for the terrible customer service. Will not continue to bank with you.

I’ve been banking with MFCU for 10 years now. They do an OK job, but they still are trying to figure out the Internet. They modernized their web page, but they still don’t understand how to reply to email. I sent them an email recently and didn’t receive a reply until 8 days later, and it wasn’t very helpful.
With their new web page my Quicken suddenly stopped working. There was no warning to customers, no status page on their web site, nothing. I ended up searching their web site and found some material about it, but it wasn’t entirely accurate. There’s still issues using Quicken with them.
I may move to another credit union. One that understands the Internet and how reply to email in a timely manner. I rarely go into the bank so these issues are important to me.

Mission Fed now charges an $ 8/​month fee for small business owners holding less than $ 2500 in their account. For a credit union… WAY TO KEEP THE LITTLE GUY DOWN!!! This was why I left big banks. Sigh, is there no where to turn?

Never go to this location. The customer service was horrendous. I arrived at 3:30pm and waited in the teller line to speak to someone (no one greeted me). After waiting for 15 minutes, I talked to a teller and let her know I wanted to open an account. I left work early to make sure I got there in ample time since they closed at 5pm.
After waiting for about another 15 minutes, I was greeted by a blonde lady and asked me what I needed. I told her that I wanted to open an account (it was about 4:15pm at this point). She told me that I needed to leave and come back another day when they had time or make an appointment. I guess they are not in the business of service and opening accounts!
I told her that I left work early to come there and I wouldn’t mind waiting to open an account. Clearly she was more concerned about leaving on time but she told me that I was too late to open account. Clearly, I got there at 3:30pm and waited for about 45 minutes total before she told me that.
I decided to rush down to Mission Valley and the branch there helped me out an account! I obviously will NEVER go to the Clairemont branch again. Trust me, if you want bad service and a lack of professionalism, then please go to Clairemont. They seemed more concerned about closing on time then helping customers!

I’ve been a customer for a few years. They have great deals on car loans, equity loans. And the customer service has been fairly good on the phone. But I was treated pretty rudely today signing a lot of paperwork for a sizable home equity loan. There were some major credit report errors that concerned me and I understood I’d have to deal with that elsewhere, but I had a question on why the liabilities listings skipped a page. You know, signing off on a big loan is stressful enough, but when the information is incorrect on the form, I’m still told to sign off that it is correct, AND the form itself doesn’t quite make sense, well, I had concerns. And frankly, those concerns could have been cleared up in about 30 seconds by explaining the discrepancies in the form appearing to jump over a page. I was told to «figure it out on your own time, there is still a lot to do here». That’s either rude or unprofessional. And undeserved. I was fully aware of the nature of the tasks at hand and my responsibilities I needed to address outside the bank. I manage 25 people myself on a daily basis and understand time constraints and frustration on a manager’s end when dealing with something that might be exasperating. But please, don’t rush through something because you’re in a hurry (because you’re not managing your time?) at the expense of customer service.

I’ve been using Mission Federal Credit Union for several years, and am very pleased with them. I usually go to this branch (Clairemont Mesa and Clairemont Drive). The tellers are always friendly and courteous (though sometimes understaffed on the lunch hour), but the outstanding employee is Patricia who has been there quite a while. She greets me by name and has taken great care of me over the years. I hope management knows how lucky they are to have a standout employee such as Patricia.
The Credit Union itself is quite responsive — after the Target breach, they issued me a new debit card on the spot, and were issuing new cards to all the members coming in who were concerned. I was in and out in five minutes with a new card, despite there being ten to twenty others also getting new cards at the same time.
Their service is far more personal than a normal banking institution, and I’ve never had any problems.

Been members for many years. I agree that it just is not personal anymore. They talked us into fixing our mortgage at 6+% just before the real estate meltdown. When we tried to take advantage of lower rates, we just made too much money. When the HARP program 1&2 arrived, too bad for you. «Our success is at your expense» is the motto. Very disappointed in this outfit.

Good service, line can move a little slow at times. Other times you fly in and out. Cool drop box for checks outside.

I had a bad experience with this place. A loan that I wasn’t even trying to get turned into this huge headache! I just went in to open a checking account and he (Miguel) was telling me that I prequalified for a $ 10k credit card at 1.99% and after HOURS of BS on a valuable sunny Friday afternoon, it turns out they will only approve $ 5k and refused to send a monthly statement unless I paid $ 7 a month. He later calls me and I have to go back again to sign papers and I get attitude from this guy because I ask how long it will take (I don’t want to waste another half day). I walked out because they wouldn’t send statements AND because of the attitude. I planned on transferring my accounts over to this bank but not after this credit card fiasco. There are several things they could have done to make me a happy customer. One, approved the card for $ 700 more so I could pay off a whole credit card balance and also they could have waved the statement fee (I’m sure it would not be that big of a deal) and he could have saved the attitude of course. He did not seem at all interested in doing whatever he could to make it happen and he was the one that told me I was guaranteed a credit card with a $ 10k limit in the first place. Maybe it was because his loan commission was cut in half — I have no idea how those things work. I will keep $ 25 in the checking for Paypal only and I would never use this credit union for a loan, mortgage, or anything else I needed. It was just not a good experience.

I like the bank because of what it offers its customers but sometimes they are just plain understaffed and the line can grow, grow and grow…
Online banking works great too! Don’t know what these others are saying maybe they don’t know how to use the internet or forget how to!?!

Today is ½/​12. I’m extremely annoyed they didn’t update their Holiday schedule online. The 2011 schedule that is posted says they didn’t close last year for New Years but no humans are working their 1 – 800 number and I need to know if the branches are open. No indication they are closed anywhere on the website, yet it’s impossible to contact anyone to confirm. Hey Mission, why are you making this so difficult?

Just like any other bank, they be tryin to make a name for themselves. There are so many major banks around and Mission Fed. is still afloat.
I started banking with Mission Fed because of credit card difficulties and had to get another account. I thought since I was living in San Diego, eh why not!!!
I haven’t had any problems with this bank. except for the overdraft fees, but that’s all customer doing right??? They’ve got auto loan deals, CDs, checking, savings, etc. Like any other bank, they just doin their thang. You go Mission Fed!
SYU asks «Where’s my money!!!» pom pom

This review is more about their general services than one specific branch. I’ve been banking here for over 20 years, even though I’ve since moved from San Diego.
They’re online banking is HORRIBLE. If it’s a Sunday, you’ve got a ⁵⁰⁄₅₀ shot at getting to your account (notice I’m writing this on a Sunday, grrrrr…) Very annoying.

Horrible!!! I applied for a refinance with Mission Fed, with high hopes. We opened an application and after about three to four weeks the loan officer said we were ready for the appraisal. I then paid the $ 400 for the appraisal and then weeks go by. Eventually some new guy called me saying he need copies of documents I had already submitted. Then weeks go by and a new loan officer requests copies of the SAME documents that last guy just asked for. Now it’s been weeks after the original 45-​day rate lock period and finally, the loan officer says she’s concerned about me qualifying based on my debt to income ratio. Long story short, I learned that they use last years taxes, regardless of the current situation. For me, that meant the four months I spent remodeling one of my rental properties is being used against me because a) my income for the property was for 8 of the 12 months of the year and b) my expense were about $ 20K for the year, so they think this property is a huge sink on my finances in their «income» calculations. Had I just let th property be and rented it out as is, they wouldn’t be doing this to me. It makes no sense that I substantially improved the property and made the place even more likely to remain rented out and then want to ignore that.
What bothers me most, is I think it’s fine for a bank to make the rules on who they loan their money to, but why did we order the appriasal if they already knew my income long before I wasted the money on that. Thx for wasting my money Mission Fed!
I happily bank with Wells Fargo for 15+ years, have never had a problem with their mortgage underwriters (I’ve closed four loans with them).
Stay away from Mission Fed!

I’ve been a member of Mission Federal Credit Union since about 1984, and my wife has been a member for even longer — her mom helped start it up many years ago. Before this branch moved to Clairemont, it used to be in Pacific Beach which was super convenient to where I lived in PB. Back in the «good-​old days,» service at Mission Fed was very personal — the manager Joni (no longer with this branch) and her tellers knew ALL their customers. It was a real, old-​fashioned, small-​town bank. That is no longer the case. As Mission Fed has grown, it’s become a nameless, faceless organization that looks at its customers as a number (preceded by a $) instead of as people. You know you’re in trouble when your CREDIT UNION is running ads ²⁴⁄₇ on the local television stations and sponsoring every community event it can get its hands on. My wife and I have been extremely disappointed by this trend at Mission Fed and are currently shopping for a new bank.