MyPoint Credit Union Carlsbad CA | Affordable Auto Loans & ATM Services

Introduction

Welcome to Mypoint, your trusted financial partner in Carlsbad, California. Since our establishment in 1948, we have been dedicated to serving our community with a personal touch and a commitment to your financial well-being. Located at 2610 El Camino Real Unit A, Carlsbad, CA 92008, our branch is more than just a place for transactions; it's where relationships are built and dreams are nurtured. With over 27,465 members and total assets of $626,829,425, Mypoint stands strong as a reliable credit union. Our financial services range from checking and savings accounts to auto loans, mortgages, and business banking solutions all designed to meet the diverse needs of our community. We take pride in managing total deposits of $7,414,805 and having a net worth of $57,603,402, ensuring that your money is not just safe but also working for you. While members can visit us at our branch address, official correspondence should be sent to the same address listed above. Our friendly team of 128 employees, led by CEO Matt Rhead and Board President Jane White, is here to assist you with any questions or concerns. You can reach us at 760-730-9116 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 10:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. At Mypoint, we believe in making a positive impact on our community. With a focus on member satisfaction and support for local businesses evident in our net member business loan balance of $81,449,206 we strive to empower every individual who walks through our doors. Explore our website at www.mypointcu.com for more information about our services or stop by the branch today. Join us in experiencing what it means to be part of a community-focused credit union that truly cares about its members!

Branch History & Mission

Community Focus

At Mypoint, community involvement is part of our DNA. We actively participate in local events and sponsor programs aimed at improving the quality of life in Carlsbad. Our shared service center availability also allows members from partner credit unions to access basic transactions seamlessly. With operating hours designed for your convenience Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 10:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM we ensure that you can reach us when it matters most. Plus, with ATM availability on-site, accessing your funds is quick and easy.

Join Us!

As we continue this journey together, we invite you to become part of the Mypoint family. Experience firsthand how we blend tradition with innovation while staying committed to serving our community's best interests. Visit us today or call us at (760) 730-9116 for more information about membership opportunities or any of our services! Together, let's build a brighter financial future in Carlsbad!

Our Journey

Since our inception, Mypoint has focused on providing exceptional financial services tailored to the needs of our members. We started with a mission to serve our local community by offering accessible banking solutions, and we have continuously evolved to meet the changing needs of our members. Our dedication to personal service and community engagement has led us to form partnerships that strengthen our outreach efforts and enhance the lives of those we serve. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we embrace technology with online banking and mobile payment options. This commitment ensures that our members can manage their finances conveniently while enjoying personalized support from our team.

Our Mission

The mission of Mypoint is simple yet powerful: we aim to empower individuals and families by providing them with the financial tools they need to thrive. We believe in fostering financial literacy and inclusivity within our community. Our members are at the center of everything we do, guiding us in shaping products and services that truly resonate with their needs. Whether you're looking for help with budgeting or seeking financing for your dream vehicle, we're here for you every step of the way. While members can visit us at 2610 El Camino Real Unit A Carlsbad Ca 92008, official correspondence should be sent to 2610 El Camino Real Unit A, Carlsbad, CA 92008-1214.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated in San Diego County, our branch is just a stone's throw from popular landmarks like the Carlsbad Village and the scenic beaches of Southern California. Whether you're coming from home or work, you'll appreciate the ease of access to our location. We offer ample parking for your convenience and ensure that our facilities are ADA compliant, featuring ramps and accessible entrances so everyone can bank with ease.

Operating Hours and Services Offered

At Mypoint, we pride ourselves on being there for you when you need us. Our lobby hours are designed to fit your busy schedule: we're open Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 10:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Need cash? We have an ATM available for quick withdrawals right at our branch. Our team is here to assist you with a variety of services tailored for both personal and business banking needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards you're sure to find what you need under one roof. Plus, we proudly participate in shared services, allowing members of partner credit unions to conduct basic transactions with us.

Visit Us Today!

We invite you to stop by the Mypoint Carlsbad Branch today or give us a call at 760-730-9116 if you have any questions. Our friendly staff is eager to help you achieve your financial goals!

Member Eligibility

Becoming a member of Mypoint means joining a warm and welcoming community that truly values its members. If you're looking to enhance your financial journey, you're in the right place! At Mypoint, membership is open to individuals who live, work, worship, or attend school in our local area. This inclusive approach ensures that our community remains connected and supportive. For those interested in more specific eligibility criteria, we encourage you to visit our detailed resource at http://www.mypointcu.com/learn/membership . Getting started with us is simple! You can open your account easily by visiting our branch located at 2610 El Camino Real Unit A Carlsbad Ca 92008, or give us a call at (760) 730-9116 for assistance. We're here to help you every step of the way as you explore the benefits of being part of Mypoint. Join us today and discover how we can support your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine a local coffee shop that accepts payments quickly and easily while tracking inventory seamlessly. Our merchant services provide just that helping you manage transactions effortlessly so you can focus on what you do best: serving your customers. Located at 2610 El Camino Real Unit A Carlsbad Ca 92008 in Carlsbad, CA, we're here to empower your business dreams. Let's work together to create a brighter financial future for your enterprise! For more information, call us at (760) 730-9116 or visit our website at https://www.mypointcu.com/ .

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $184 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $38 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $77,848,663, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick cash? With our accessible ATM & Cash Withdrawal Services, you can easily access your funds whenever needed. Plus, if you're part of a partner credit union, you can enjoy basic shared branch transactions like deposits and withdrawals without any hassle. In today's fast-paced world, convenience is key. That's why we pride ourselves on offering top-notch digital banking features along with traditional services. Whether it's managing accounts online or making mobile payments, we strive to enhance your banking experience. If you're ready to explore how our services can benefit you, don't hesitate to reach out! Call us at (760) 730-9116, visit us at 2610 El Camino Real Unit A Carlsbad Ca 92008, or check out our website at Carlsbad Branch for more information about membership eligibility and how we can assist you in achieving your financial goals!

Auto Loans & Vehicle Financing

Looking to buy a new car? Our Auto Loans & Vehicle Financing services make it easy for you to get behind the wheel without breaking the bank. We offer competitive rates and flexible terms tailored to your budget. Whether you're eyeing a shiny new model or a reliable used vehicle, we've got financing options that will suit your needs.

Business Banking

For our entrepreneurial members, we offer specialized Business Banking services including Merchant Services and Business Loans. Starting or growing your business is easier when you have the right financial partner by your side.

Credit Cards with Rewards

Take advantage of our Credit Cards with Rewards, which allow you to earn points for every dollar spent. It's not just about making purchases; it's about getting something back in return! Picture yourself earning rewards that can lead to exciting travel opportunities or cash back on everyday purchases.

Mortgage Loans & Refinancing

Your dream home is within reach with our Mortgage Loans & Refinancing services. If you're ready to purchase a house or refinance your current mortgage, our friendly staff will guide you through every step of the process. Imagine finally having a place to call your own with manageable monthly payments.

Personal Banking

Managing your money should be straightforward and convenient. That's why we offer various Personal Banking options including Checking and Savings Accounts designed to help you save for the future while enjoying easy access to your funds. Imagine being able to check your balance or make transactions anytime from anywhere through our robust Online & Mobile Banking features. You can even set up alerts to keep track of your spending!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation options are designed to help you navigate those challenges without stress. Whether it's funding a big purchase or consolidating existing debt, we provide solutions that can bring peace of mind.

Digital & Online Banking

Key Features

Our online banking services, accessible at https://www.mypointcu.com/ , provide you with the tools you need for real-time account management. You can check balances, transfer funds, and pay bills all in one place. Plus, we offer e-statements, so you can view your account statements electronically saving paper while keeping everything organized. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. And if you're on the go, our mobile application allows you to manage your accounts right from your smartphone. You can even make mobile payments effortlessly, ensuring you're always prepared for any purchase.

Security and Accessibility

Your security is a top priority for us. We use robust measures to protect your information while making sure our services are user-friendly. Although we don't currently support electronic signature authorization, rest assured that every transaction is secure. With 24/7 online banking access, you're never far from your finances. Whether it's the middle of the night or during a lunch break, you can log in whenever you need to check on things or make transactions. In summary, Mypoint is committed to providing accessible and secure digital banking solutions tailored just for you. Experience the convenience today!

Financial Strength

Committed Team Ready to Serve You

We take pride in having 118 full-time employees and 10 part-time employees who are dedicated to providing exceptional service. With their expertise, you can be assured of receiving personalized support tailored to your needs.

Investing in Your Future

With $56,976,237 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,516 in used auto loans and $487,645,441 in total loans and leases.

Member-Centric Focus

Our focus on our members is reflected in the fact that we have a total of 60,836 share and deposit accounts. This demonstrates a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $483,073, showcasing our commitment to supporting your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mypoint is your trusted partner. Visit us at 2610 El Camino Real Unit A Carlsbad Ca 92008 or call (760) 730-9116 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Robust Financial Health

With a net worth of $57,603,402, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $918 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Savings Options

Members' savings are secured through $164,302,504 in share certificates and $70,790,760 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,081,506 in used vehicle loans and $24,743,046 in new vehicle loans already helping members get on the road. We provide financing options tailored to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $77,848,663 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in today's economy. Whether you're looking for personal financing or business solutions, Mypoint has the right loan for you. Visit us at our branch located at 2610 El Camino Real Unit A Carlsbad Ca 92008 or give us a call at 760-730-9116 for more information about our offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you find the best lending solution for your needs!

Credit Lines and Unsecured Credit Cards

We understand that flexibility is key when it comes to managing expenses. That's why we offer total credit lines of $71,972,497 and flexible terms on unsecured credit card loans, with a total of $9,662,001 in loans helping members manage their finances effectively. These options allow you to tackle unexpected expenses without added stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $63,701,028, make buying or refinancing simple. We also offer refinancing options to help you secure better terms or access cash from your home's equity.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach ensures fair and transparent offers, allowing users to compare loans without the influence of misleading information.

MYPOINT CREDIT UNION - Carlsbad, CA