Use your home's equity to finance a kitchen remodel, a home office upgrade, consolidate debt, or whatever else excites you for a lower rate than most credit cards. Packed with features, benefits, and perks, these new checking accounts will provide you with the highest level of security, as well as ways to support local businesses while saving money!.
We've been a part of San Diego for decades, and we've had employees and members stay with us for just as long. All that heritage is an important foundation for our new journey. Though all economists expect inflation numbers to rise in the near term, there are different views on the potential long-term effects.
We've been a part of San Diego for decades, and we've had employees and members stay with us for just as long. All that heritage is an important foundation for our new journey. Though all economists expect inflation numbers to rise in the near term, there are different views on the potential long-term effects.
Services
We're proud to be a part of San Diego, full of one-of-a-kind communities and diverse and passionate doers. At MyPoint Credit Union, we want to help these doers - individuals, families, local businesses and everyone in-between - do more of the things they love in the city they call home. For over 70 years, we've been helping our members make the most out of their finances so they can live life on their own terms.
Members can bank at other credit unions who are a part of the CO-OP network, giving you access to nearly 30,000 surcharge-free ATMs and 5,600 shared branches nationally for easy access to your money wherever you go. Text* a Zip Code to 91989 to find nearby ATMs or call 888-748-3266 to find a location by telephone.
MyPoint Credit Union has been serving its Members since 1948 by providing financial guidance to those who Live, Work or Worship in San Diego and Riverside counties. Offering competitive rates to our Members is just one way we're helping them become financially sound. At MyPoint Credit Union we know the importance of saving for a financial emergency.
MyPoint Credit Union knows the importance of providing resources for your financial journey. Financial decisions can be confusing, demanding, and sometimes challenging and we want to help you understand all the options so you can earn more, save more, and enjoy more! Find answers here about MyPoint Credit Union membership and financial services.
Reviews (20)
Andrew D.
Sep 29, 2021
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I've been with MyPoint for a little over 2 years but since Day 1, John Tanner has given me the greatest, easiest and most human experience I've ever gotten in customer service. I contact John whenever I'm in need of any needs financially and he's always been ready to help and give me full closure on any questions I have along with all my options. Outside of that he's always made every interaction with MyPoint seamless and I appreciate it because I'm still young and new to banking with credit unions and finances alone and he's helped mature me and what I know about
Jan H.
Jun 22, 2021
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Gabriel F.
Aug 16, 2020
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Alice Z.
Jun 14, 2020
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I have banked with (PLCU then) MyPoint since 1986. In these many years I have noticed customer service/tellers service has gone down considerably. The tellers in the bank could care less and online I get scripted replies to messages. I HATE the new look of their new website, it is not user friendly at all. Half the time I struggle to even login, like today for instance! Since I'm in deep with many accounts there I most likely won't change but hope any new clients with take a second look before becoming a member. Sad.
The Honest Truth
Jan 24, 2020
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Gregg Lloyd
Sep 19, 2018
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I. L.
Nov 22, 2017
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I had an outstanding customer experience at 4s Ranch branch of the Point Loma Credit Union and was impressed by the collective effort of John, David, Cheyenne to make sure that I am delighted as a valued member. I was against a tight loan approval deadline and John took me without an appointment and managed to get my loan done the same day in parallel with back to back appointments on his calendar. The whole experience was customer focused every step of the way. David followed up by making sure that the check was received by the dealership and kept me informed every step of the day. Thank
Jose Jimenez
Aug 16, 2017
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Wendy Hicks
Jun 05, 2017
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While I have always been treated well as a customer in the branches there is no way to contact any of the branches via telephone. The 'phone system is designed in such a way that a person can never get through to speak to any representative. Keep this in mind if you contemplate using Point Loma Credit Union...
Michael O.
Feb 16, 2017
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Jessica Miller
Jan 24, 2017
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Elf Wyatt
Aug 15, 2016
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Mike G.
Jul 16, 2016
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Wendy P.
Jul 10, 2016
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Vetten
Jun 22, 2016
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Luana C.
Apr 06, 2016
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Eric Alizada
Oct 01, 2014
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Very disappointed with this bank. I got a car loan from them in 2011, and I almost paid it off. I have been making double payments every month just to pay off the loan quicker and earn a good relationship with this bank. But when recently I came to them for personal loan, they just turned me away and ignored the fact that I have been loyal customer and never missed a payment even by a day. I did not expect this kind treatment. In couple of months I paying off the loan and never coming back to this bank. So if you are thinking that once you start relationship with this bank and maintain it, they
John P.
Dec 12, 2011
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Do not get a house loan here. No one who bought a house from point Lima credit union qualifies for any government programs that might help someone save their home. They rather foreclose on a house than help them keep it. My interest is 6.25 percent. Current rates are around 4. Since I owe more than what my condo is worth, they will not let me refinance. Re-fi could help me save my condo. They tell me I am too big of risk to re-fi. Does that make sense? So, all other banks participate in government programs except credit unions. Stay away from them.
James G.
Apr 20, 2011
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I've had problem after problem with this bank. Latest example, deposited $200.00 CASH, not a check, into the ATM (located at the branch by the way). This was done on the 15th to cover a bill that would automatically come out on the 19th. Well there still holding my cash on the 20th, 5 days later, so they covered the bill and charged me 31.00 "courtesy pay fee", while their holding my money that covers the bill. It's always blamed on a "third party processor". Am I the only one who thinks this is unacceptable.
The tellers are fine, this isn't about them. But
The tellers are fine, this isn't about them. But
Andrew M.
Sep 16, 2010
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I am not a member of PLCU but another San Diego CU. And, boy, I'm so/very/extremely glad that PLCU is here.
Point Loma CU is the only CU in this area and it is a member of "co-op network" - which means their ATM saves me tons of money on frivolous charges like withdrawing my own money. See (!!!) the triangle on 2nd last panel on top of ATM. http://www.yelp.com/biz_photos/sFlCami_9iqWnHd5LQMcEQ?select=-L1Da_guu2PvPyZeIRR-rw Yes, that's what makes it special.
And of course I ditched Banks in favor of CUs long ago. CUs always have a personal appeal and are closer to
Point Loma CU is the only CU in this area and it is a member of "co-op network" - which means their ATM saves me tons of money on frivolous charges like withdrawing my own money. See (!!!) the triangle on 2nd last panel on top of ATM. http://www.yelp.com/biz_photos/sFlCami_9iqWnHd5LQMcEQ?select=-L1Da_guu2PvPyZeIRR-rw Yes, that's what makes it special.
And of course I ditched Banks in favor of CUs long ago. CUs always have a personal appeal and are closer to
