No stored Google rating available.
MyPoint Credit Union is a San Diego-based credit union offering checking, savings, certificates, loans, and credit cards with competitive rates and local branch access.
Data compiled from public sources
MyPoint Credit Union is a community-focused financial institution based in San Diego, California, serving the local area with multiple branch locations including a Carlsbad branch. As a federally insured credit union, MyPoint operates under NCUA supervision with deposits insured up to $250,000 per individual depositor through the National Credit Union Share Insurance Fund (NCUSIF). The institution positions itself as a member-owned alternative to traditional banks with an emphasis on personalized service and local decision-making.
MyPoint offers a comprehensive suite of consumer financial products including high-yield checking accounts (up to 3.25% APY), savings accounts, certificates of deposit (CDs and IRAs with 3.00% APY on 18-month terms), auto loans (rates as low as 5.34% APR), home equity lines of credit, solar and green living loans (7.49% APR), credit cards including the MyPoint Perks Visa with introductory 2.99% APR, and mobile banking with check deposit capabilities. The credit union also advertises rate claims to verify across product categories and offers online banking, business online banking, and loan payment portals for member convenience.
MyPoint differentiates itself through its local San Diego community presence, emphasis on member service quality, and listed offerings like solar loans aligned with the region's green living interests. The website highlights staff responsiveness and personalized attention, with member testimonials praising specific loan officers and branch staff. The institution promotes financial wellness through educational content on financial health checkups, security reminders, and overdraft avoidance tips, positioning itself as a reported local alternative to national banks.
As a credit union, MyPoint operates under cooperative membership principles with lower operating costs that theoretically translate to rate claims to verify. However, membership eligibility may be restricted (the website mentions becoming a member but details are in a popup), and as a regional institution with limited branch locations, it serves primarily San Diego County residents. The specific membership eligibility criteria and any geographic restrictions are not fully listed on the public-facing website.
This is state-level context for Credit Unions consumers in San Diego, CA. It does not confirm that Mypoint or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Mypoint processed 268 mortgage applications in 2023, with 64.2% recorded as approved across 2 states.
268
Applications
64.2%
Approval Rate
$153K
Avg Loan
2
States Served
Based on 268 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Mypoint offers 12 services including High-yield checking accounts (up to 3.25% APY), Savings accounts with competitive rates, Certificates of Deposit (CDs) and IRA CDs (3.00% APY on 18-month terms), Auto loans (rates from 5.34% APR), Home equity lines of credit, and 7 more.
Mypoint has profile signals associated with San Diego County residents seeking local, community-focused banking with personalized service, Auto buyers looking for rate claims to verify below 5.5% APR without national bank overhead, Homeowners interested in solar loans or green living financing options, Savers prioritizing high-yield checking and CD rates over large national bank convenience.
Key strengths: Federal NCUA insurance protection up to $250,000 per depositor; High-yield checking account offering up to 3.25% APY; Competitive auto loan rates starting at 5.34% APR. Areas to consider: Membership eligibility criteria not clearly disclosed on website (may have geographic or employment restrictions typical of credit unions); Limited branch network compared to national banks—San Diego region only.
In the Credit Unions category, comparable providers include CommonWealth Central Credit Union, Los Angeles Federal Credit Union, San Francisco Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
MyPoint Credit Union is profile signals for San Diego-area residents who prioritize local relationship banking, rate claims to verify, and listed products like solar loans, and who value credit union structure over national bank convenience. The main caveat is that membership eligibility may be restricted by geography or other criteria (typical for credit unions but not fully listed here), and the limited branch network makes it unsuitable for those needing broad geographic access.
CommonWealth Central Credit Union is a federally-insured credit union offering online banking, loans, and member services through multiple locations.
Google rating from 107 reviews
Profile signals: Local community members with access to CommonWealth Central Credit Union branches, Consumers seeking lower-cost banking alternatives through credit union membership
Los Angeles Federal Credit Union is a member-owned financial cooperative offering banking, lending, and investment services to the LA area since 1936.
Google rating from 182 reviews
Profile signals: Los Angeles-area residents eligible for credit union membership seeking rate claims to verify on vehicle and home loans, Members interested in community-focused banking with reinvestment in local programs and scholarships
San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.
Google rating from 1,077 reviews
Profile signals: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Mypoint and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.