Best Credit Unions in San Diego, CA

Compare 15 credit unions companies serving San Diego, California. Average rating: 4.2/5.

15 Companies 15 Rated Payday: Legal

California Lending Regulations

California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.

Usury cap: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100 Agency: California Attorney General Consumer Protection

Top-Rated Credit Unions

Cabrillo Credit Union logo

Cabrillo Credit Union

San Diego-based credit union offering digital banking, mortgages, auto loans, personal loans, credit cards, and savings products to member-owners.

4.4/5
Contact BBB: NR

Best for: San Diego-area residents seeking member-owned financial institution with competitive rates and community partnerships, Consumers prioritizing robust digital banking security and fraud prevention measures

North Island Credit Union logo

North Island Credit Union

North Island Credit Union is a San Diego-based credit union serving the region with membership eligibility through employer partnerships, family relationships, and community council memberships.

4.4/5
Contact BBB: NR

Best for: San Diego-area residents who are family members of California Credit Union members seeking credit union benefits, Employees and retirees of partner organizations eligible for North Island membership

SchoolsFirst Federal Credit Union - San Diego - Mission Valley logo

SchoolsFirst Federal Credit Union - San Diego - Mission Valley

SchoolsFirst FCU is a federally chartered credit union serving school employees and their families in California with comprehensive banking, lending, and investment products.

4.4/5
Contact BBB: NR

Best for: School employees seeking specialized financial products and competitive rates tailored to educator finances, Families of school employees looking for full-service banking and investment solutions with member ownership benefits

Mission Fed Credit Union logo

Mission Fed Credit Union

Mission Fed Credit Union is a San Diego-based credit union offering checking, savings, auto loans, home loans, and ATM access through its Mission Valley branch and 30,000 nationwide fee-free ATMs.

4.3/5
Contact BBB: NR

Best for: San Diego residents and workers seeking convenient local banking with weekend branch access, Customers prioritizing fee-free ATM networks and 24/7 digital banking capabilities

MyPoint Credit Union North Park logo

MyPoint Credit Union North Park

San Diego-based credit union offering checking, savings, certificates, auto loans, home equity lines of credit, and credit cards to local members.

4.3/5
Contact BBB: NR

Best for: San Diego-area residents seeking competitive rates on checking and savings accounts, Local auto borrowers looking for APR rates below typical bank offerings

BluPeak Credit Union logo

BluPeak Credit Union

BluPeak Credit Union is a financial institution offering banking services including checking, savings, and branch/ATM access across multiple locations.

4.1/5
Contact BBB: NR

Best for: Members seeking a cooperative banking model with potential fee advantages, Consumers prioritizing local branch access and ATM availability

All Credit Unions in San Diego (15)

Cabrillo Credit Union logo

Cabrillo Credit Union

San Diego-based credit union offering digital banking, mortgages, auto loans, personal loans, credit cards, and savings products to member-owners.

4.4/5
Contact BBB: NR

Best for: San Diego-area residents seeking member-owned financial institution with competitive rates and community partnerships, Consumers prioritizing robust digital banking security and fraud prevention measures

North Island Credit Union logo

North Island Credit Union

North Island Credit Union is a San Diego-based credit union serving the region with membership eligibility through employer partnerships, family relationships, and community council memberships.

4.4/5
Contact BBB: NR

Best for: San Diego-area residents who are family members of California Credit Union members seeking credit union benefits, Employees and retirees of partner organizations eligible for North Island membership

SchoolsFirst Federal Credit Union - San Diego - Mission Valley logo

SchoolsFirst Federal Credit Union - San Diego - Mission Valley

SchoolsFirst FCU is a federally chartered credit union serving school employees and their families in California with comprehensive banking, lending, and investment products.

4.4/5
Contact BBB: NR

Best for: School employees seeking specialized financial products and competitive rates tailored to educator finances, Families of school employees looking for full-service banking and investment solutions with member ownership benefits

Mission Fed Credit Union logo

Mission Fed Credit Union

Mission Fed Credit Union is a San Diego-based credit union offering checking, savings, auto loans, home loans, and ATM access through its Mission Valley branch and 30,000 nationwide fee-free ATMs.

4.3/5
Contact BBB: NR

Best for: San Diego residents and workers seeking convenient local banking with weekend branch access, Customers prioritizing fee-free ATM networks and 24/7 digital banking capabilities

MyPoint Credit Union North Park logo

MyPoint Credit Union North Park

San Diego-based credit union offering checking, savings, certificates, auto loans, home equity lines of credit, and credit cards to local members.

4.3/5
Contact BBB: NR

Best for: San Diego-area residents seeking competitive rates on checking and savings accounts, Local auto borrowers looking for APR rates below typical bank offerings

BluPeak Credit Union logo

BluPeak Credit Union

BluPeak Credit Union is a financial institution offering banking services including checking, savings, and branch/ATM access across multiple locations.

4.1/5
Contact BBB: NR

Best for: Members seeking a cooperative banking model with potential fee advantages, Consumers prioritizing local branch access and ATM availability

California Coast Credit Union - Hillcrest Branch logo

California Coast Credit Union - Hillcrest Branch

California Coast Credit Union's Hillcrest branch is a full-service credit union location in San Diego offering checking, savings, loans, and ATM services to members in Southern California counties.

4.1/5
Contact BBB: NR

Best for: San Diego County residents and workers seeking convenient in-person banking with Saturday branch hours, Small business owners needing business checking, savings, and business loan services with personal relationship banking

California Coast Credit Union - Mira Mesa Branch logo

California Coast Credit Union - Mira Mesa Branch

California Coast Credit Union's Mira Mesa Branch is a full-service credit union offering checking, savings, auto loans, mortgages, and personal loans to San Diego County residents and workers in surrounding counties.

4.1/5
Contact BBB: NR

Best for: San Diego County residents and workers seeking accessible in-person credit union banking with extended hours, Borrowers shopping for auto loans, mortgages, or personal loans from a member-focused financial institution

California Coast Credit Union - University City Branch logo

California Coast Credit Union - University City Branch

California Coast Credit Union is a member-focused financial institution serving San Diego and surrounding counties, offering checking, savings, loans, credit cards, and mortgages with competitive rates.

4.1/5
Contact BBB: NR

Best for: San Diego and Southern California residents seeking member-focused banking with competitive loan rates, Consumers looking for complimentary financial advisory services bundled with standard banking products

California Coast Credit Union Clairemont Branch logo

California Coast Credit Union Clairemont Branch

California Coast Credit Union's Clairemont branch is a full-service credit union location in San Diego offering checking, savings, loans, and ATM services to members in eight Southern California counties.

4.1/5
Contact BBB: NR

Best for: San Diego County residents and workers seeking a full-service credit union with in-person branch support, Members across eight Southern California counties wanting fee-free ATM access and community banking services

California Coast Credit Union East Village Branch logo

California Coast Credit Union East Village Branch

California Coast Credit Union's East Village Downtown San Diego branch offers full-service banking including checking, savings, auto loans, mortgages, and credit cards to San Diego County residents.

4.1/5
Contact BBB: NR

Best for: San Diego County residents and employees seeking full-service banking with local branch access, Business owners in the seven-county service area needing business checking and loan products

California Coast Credit Union University Heights Branch logo

California Coast Credit Union University Heights Branch

California Coast Credit Union's University Heights branch in San Diego offers full-service banking including checking, savings, auto loans, mortgages, and credit cards to members in eight Southern California counties.

4.1/5
Contact BBB: NR

Best for: Residents and employees in San Diego, Riverside, Orange, Los Angeles, Ventura, Imperial, or San Bernardino counties seeking community-focused banking, Borrowers interested in credit union membership benefits like lower loan rates and fee-free ATM access

MyPoint Credit Union Kearny Mesa logo

MyPoint Credit Union Kearny Mesa

MyPoint Credit Union is a San Diego-based credit union offering checking, savings, certificates, auto loans, home equity lines of credit, and credit cards to local members.

4.1/5
Contact BBB: NR

Best for: San Diego area residents seeking local credit union banking with personalized service, Members prioritizing high-yield savings and checking accounts for competitive APY returns

Vons Credit Union logo

Vons Credit Union

Certified Federal Credit Union offers checking, savings, loans, and credit cards to eligible members. Member-owned institution providing traditional banking services with competitive rates.

4.1/5
Contact BBB: NR

Best for: Individuals who meet Certified Federal Credit Union membership eligibility requirements seeking competitive rates, Members wanting comprehensive banking services including checking, savings, loans, and credit cards in one institution

Wheelhouse Credit Union - Downtown San Diego logo

Wheelhouse Credit Union - Downtown San Diego

Wheelhouse Credit Union is a San Diego-based financial cooperative offering checking, savings, mortgages, auto loans, and investment services with competitive rates and member-focused perks.

4.1/5
Contact BBB: NR

Best for: San Diego-area residents seeking high-yield checking and savings accounts, Homebuyers interested in ARM mortgage products with introductory rates