Mission Federal Credit Union

I have to say I love this branch! Jackie is always so friendly when I come in and she has remembers my son too. She always has a smile on her face, greets everyone she helps with curiosity, and let’s you know that not only does she appreciate doing business with you but extends the banks appreciation as well.
She is the reason that I come back to this branch time and time again! Thank you for having someone like her there.

Yolanda is amazing! My wife and I recently applied for a credit card as we are in the process of rebuilding our credit.
Yolanda was able to help us and we got approved!
Then, she pulled a rabbit out of her hat. She refinanced a car loan and because we got such a low interest rate, we will save $ 5,000 in interest!!!
I hope the powers that be realize what a great asset she is to the team. I am one of those needy, pesky clients but Yolanda always has the time to answer the 789 emails I send every day!
Well, not really 789.
More like 87… actually more like 290.
She is great! But not ordinary great, Tony the Tiger GRRRRRRRRREAAAAAT!

I’ve NEVER had an issue putting money on my wife’s account now out of nowhere this guy refuses because I don’t have the account number? Eff that all my info matches hers on that account.
At least Wellsfargo let’s me deposit money into my father’s account that lives 9 hours away with no matching account info.
Good job Mission you’re one step closer to having one less member because of people like in this branch.

Great experience. This was my first time coming to a credit union and everyone was great. I worked with Shelly, very personable, passionate, and knowledgeable. Very nice environment

I love Mission Federal but this branch is horrible. I walked up today at 5:02 on 10÷5÷15 please review your cameras and an employee ran up to the door and told me they closed two minutes ago and slammed the door. I understand that everyone wants to go home but that’s no way to treat your long term members. I also came into this branch before and the employees seemed very uninterested in helping, lethargic, drinking at their desks and unhappy. Go to Vista it’s worth the 2 minute commute down the 78.

Went in today to see what I can do about getting a personal loan. Met with amber and she didn’t even know we had a appointment scheduled today. I told her my situation and about me working with another loan officer a few days prior. She sat down and looked over what I was trying to accomplish loan wise with another loan officer. She barely talked to me the whole time and just said she resent my application for a personal loan. She didn’t even listen as to why I needed the loan and just sent it anyway. At that point I didn’t have a choice, but to wait and see the results. Most loan officers usually go over the loan with you. She didn’t do anything for me and go over anything with me. You can hear it in her voice and her demeanor that she had no interest in helping me. Dont worry it gets better!!! I had asked if what a co-​signer would do for me. She sent in my loan again just asking what a co-​signer would do for me to the underwriter without adding a cosigner. From my experiences with my first loan officer is someone that helped me and actually showed me what she wrote and helped me in every aspect to get me approved and accomplish my goals. Worst loan officer I’ve ever experienced, very shallow, and very fake customer service. She had the nerve to tell me that she’s been doing it a long time and from what she can see we won’t get approved, when she didn’t even try. At that point I was fed up! On top of that she says, but we can sit here and try every which way, but I know you won’t get approved. When I was just approved a few days ago for more than what I was asking. I wanted a personal loan and would get the car loan elsewhere. Not both loans in one place. Deaf to customers ears.

Went in today to cash my tax return and work check, at first they said they could not cash it cuz my wife wasn’t on my bank account and her name was on the tax return check. i thought shoot here comes s a headache ! But no they were quick about it and explained to me fully why my wife needed to be on the account, so I was glad with the explaination! the girl who helped us with getting my wife her name on the account and got her her debit card was really nice, helpful, quick and best of all a charger fan! We were out of there quick which was a plus! So all in all Mission Fed is a pleasure to have as a bank! Thank you to the girl who helped us! The charger fan! (so sorry I forgot your name)!!! The Luna’s

It’s very difficult to put a 1 star now for the SAN MARCOS branch since I would put a 5 star when DIANA was there… the new manager so unprofessional needs to be trained better. In all the years that we have done business with MISSION FED I have always had great service from Diana, Mary, Paty, and everyone there, but now it’s different I actually try not to go in unless I have to. Never had issues before that weren’t resolved as should be now it seems like the new manager doesn’t care well to bad for her loosing out on good customers.

We opened a new account a little over a week ago so I can’t speak from years of experience but our few transactions that we have made with them have been flawless. Steven Yen opened our account and he was above and beyond what you get these days from customer service. One thing that was mentioned is a hold on checks for the first 30 days of your account being opened, I panicked! We don’t have an excess of money to work with but he then re-​assured me that if it’s our payroll checks, as long as I went into the bank physically to deposit them or deposit them thru Direct Deposit, they would be accessible right away… phew! Also, they have teamed up with the ATMs that you see at ⁷⁄₁₁ and you can access them at NO CHARGE, a HUGE PLUS because there’s a ⁷⁄₁₁ on every corner. I research everything so when we were looking for a new bank I focused on credit unions, Mission Fed rated the highest in customer satisfaction and so far, I’m very happy!

I would like to say thanks to a well good job to the staff at the San Marcos Branch for making opening my safe deposit box easy. I been a member since 1998 and there has been a few changes in fees and policies but mission federal has always stepped up to help members. Great job!!!

After advising MFCU last week that I was in the middle of moving, that my late car payment was sent and the day they could expect to receive it, I was still called and harassed. Sadie was snarky with me yesterday on the phone, which added to my growing frustration with this rinky-​dink bank. Today I received another phone call from Marta that the payment was received but it was THREE DOLLARS underpaid, so I was threatened with repossession. This is not how I’d expect to treat a 10 year customer, and someone who’s paid the first 5 years of a 6 year loan without issue. I would recommend to anyone considering this credit union to use a real bank– I like Chase personally.

Someone high up at Mission called me to clear this up. I feel they went above and beyond to fix this situation. We have since refinanced our house through them. I am happy to see that they were concerned to take care of this situation. They made the refi very easy and stay with it every step of the way. Thank you Mission Federal! I am only sorry I didn’t update this sooner.

F this bank! I sell a popular product from a book around town here not going to say the name and a customer of mine wrote me a check drawn from her bank which is this POS place so I walked in to cash my check and they want to charge me $ 5 to cash it because I don’t bank with them that’s highway robbery! I didn’t ask for this woman to bank here or for this check i just need my money today to pay my company! Ridiculous being that this bank won’t «approve» me for an account with them which I found out years back, this bank can KISS MY ASS! I took my check back and told this b-​iatch to F off!

I would say this bank is average in every sense of the word, neither good nor bad just ok. I have seen great workers and so so workers. Service can vary based on what teller you get.

In general, I would not recommend this Credit Union. I currently have a mortgage refinance application that is sitting at almost 120 days and they have not made any progress on the loan, despite repeated followups. We have great credit, and simply wanted to switch from Wells Fargo but MFCU has made this a very ugly experience. they never return calls, they never follow up, they dodge your calls, etc. They do say that they’ll get your loan application within 90 days, but that’s clearly not the case.
Regarding the account, we had a hard time setting up an account with these guys. Apparently they have a poor relationship with Equifax and they are required by the Patriot Act to do a credit background check which came back empty. We have about an 820 score and despite repeated attempts, they could not get Equifax to send them a report. I brought in my Equifax report but «that’s not enough» so we waited a year to retry and open up the account. It works now, but they have ridiculous restrictions on account names and passwords so keeping track of my login I have to write down everywhere.
Going with MFCU does not feel like a step up from Wells Fargo… it definitely feels like a step down and that makes me sad.
Follow up: Once I posted this review on Unilocal,I was contacted by email the same day and strangely, my loan processing began to move along. Their PR lady was excellent and helped move things along. Still, we then signed papers about 1 ½ weeks later and then silence again; no word whatsoever. Then looked on line and noticed that they had setup a mortgage linked to my checking account (open up a browser and both accounts are then visible); still no word from the bank. Finally, on April 12^th, I receive letters in the mail from both Wells Fargo and Mission Fed saying that everything is final.
Never has a process kept me out of the loop this much. I’ve raised this to two star ONLY because the pr lady was great. Otherwise, this is a terrible experience.

Not that impressed with mission fed lately… been there 4 years. Customer service its lacking. Applied for an auto loan and never heard back if I was approved, and I currently have a loan with them! Considering USAA now. I hear great things about them.

Those of us old enough to remember what small, local banks were like will find it refreshing to join a credit union. After experiencing the friendliness, service and straightforward policies and fees, I really don’t know why people still use banks. Perhaps they’re so used to their bank $*%#ing on them that they don’t notice any more.
Mission Fed is big enough to have features and services of the big guys but not too big to lose its relationship with its members/​customers.
I’ve been with Mission Fed for a couple years now and have had a great experience. I STRONGLY advise leaving BoA, Wells Fargo, Chase, etc.

Today, ¼/​2011 the ATM Machine on the outside of the building was down at 4:30 PM. All members had to go inside to make a deposit or do a withdrawal. There was no sign that the ATM machine was down, nor was the machine closed down. I was told by the security officer who was at the door that I could go through the drive-​up to do a deposit. This «brand new» machine does not take deposits. Interesting that it will take withdrawals. I reported it to the main branch. Hopefully, some idiot will realize they need to put «Out of Order» signs up and test their new machine that was designed by another idiot that the machine needs to take deposits. By the way, if you are a co-​op member, which I am I cannot go inside the building to make a deposit. So, this credit union is useless. I was told that I could go to the Pt. Loma location and make an internal deposit. This, of course is only 1 to ½ hours drive from Vista.

Mission Fed has always been a great credit union, and it just got even better in my eyes! I had made a mistake with my online billpay, and the *other* company I was dealing with was not helpful (phone support in India), so I went into Mission Fed to see if they could resolve it on their end. Melanie, a teller, is always very cheerful and helpful, and when she had gone as far as she could to help me, she brought in the branch manager Diana. Diana spent 90 minutes helping me fix something that was my fault to begin with, and she even called the other institution’s stupid outsourced Indian phone support and strong-​talked them on my behalf. Kudos to Mission Fed for having such great customer service, and being so understanding and persevering!