MyPoint Credit Union El Cajon CA | Affordable Auto Loans & ATM Access

Introduction

Welcome to Mypoint, your trusted financial partner located at 780 Jamacha Rd, El Cajon, CA 92019. Since our establishment in 1948, we have dedicated ourselves to serving the financial needs of our community with integrity and commitment. With a robust membership of 27,465 individuals, we pride ourselves on offering personalized services that cater to your unique financial journey. At Mypoint, we understand that every member's financial goals are different. That's why we provide a wide range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. Our total assets stand strong at an impressive $626,829,425, ensuring that we have the resources to support you effectively. Whether you're looking for a new car or planning to invest in your future home, we've got you covered. Under the leadership of our CEO, Matt Rhead, and Board President, Jane White, our team of 128 employees is here to assist you every step of the way. We believe in building lasting relationships with our members and making a positive impact in the community we serve. While members can visit us at our branch for face-to-face service, official correspondence should be directed to our mailing address at 780 Jamacha Rd, El Cajon, CA 92019. With total deposits amounting to $7,414,805 and a solid net worth of $57,603,402, you can trust that your finances are in safe hands. We invite you to explore what Mypoint has to offer by visiting our website at www.mypointcu.com or calling us at 619-401-9422. Join us today and let's build a brighter financial future together!

Branch History & Mission

Welcome to Mypoint, a beacon of community support and financial empowerment in El Cajon, CA. Since opening our doors in 1948, we have grown alongside our members, evolving from a small credit union into a trusted financial partner for over 27,000 individuals and families. Our journey has been marked by a commitment to service, innovation, and the unwavering belief that everyone deserves access to quality financial resources. Located at 780 Jamacha Rd, El Cajon, CA 92019, Mypoint is more than just a place for banking; it's a hub for community connection. We are proud to provide services that meet the diverse needs of our members from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. While you can visit us at this address, any official correspondence should be sent to the same location. At Mypoint, we recognize that our mission extends beyond offering financial products. We are dedicated to making a positive impact in our community through outreach programs and partnerships that foster growth and opportunity for all. Our total assets currently stand at an impressive $626,829,425 an indication of our stability and commitment to serving you better every day. Our mission is simple: to empower our members with the tools they need to achieve their financial goals while building strong relationships within the communities we serve. We believe in transparency and accessibility; that's why we offer digital banking options that include online banking, mobile payments, and person-to-person transfers all designed to make managing your finances easier. In addition to providing essential services such as ATM access and shared branch transactions with partner credit unions, we also ensure ADA compliance so that everyone can comfortably access our facilities. We understand that convenience matters; although we do not currently offer drive-thru banking services, our lobby hours are designed with flexibility in mind: 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 4:00 PM. As we look toward the future, we invite you to join us on this exciting journey. Whether you're looking for a new bank or simply exploring your options, Mypoint is here to help you navigate your financial path. Experience firsthand how we prioritize your needs while fostering community growth. Connect with us today by calling 619-401-9422 or visit our website at Mypoint for more information on membership opportunities. Together, let's build a stronger future!

Branch Location & Accessibility

Welcome to Mypoint's El Cajon Branch, conveniently located at 780 Jamacha Rd, El Cajon, CA 92019. Nestled in the heart of San Diego County, our branch is easily accessible for all your banking needs. Whether you're just down the street or coming from nearby landmarks like the popular Parkway Plaza Shopping Center, you'll find us right where you need us. At Mypoint, we prioritize your convenience. Our branch features ample parking and is designed with accessibility in mind, ensuring that everyone can visit us comfortably. While members can stop by our branch for personal service, official correspondence should be directed to the same address: 780 Jamacha Rd, El Cajon, CA 92019. We understand that life gets busy, which is why we offer flexible operating hours. You can visit us 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 4:00 PM. If you have questions or need assistance outside these hours, don't hesitate to give us a call at 619-401-9422; we're always here to help! For added convenience, our branch offers ATM services for quick cash withdrawals and basic account transactions. While we currently do not have drive-thru banking available, we do participate in shared services with partner credit unions, allowing you access to a wider range of services across various locations. We invite you to come by and experience all that Mypoint has to offer! Whether you're looking for personal banking options like checking accounts or auto loans, or business services including merchant services and business loans, our friendly team is ready to assist you. Visit us today at Mypoint's El Cajon Branch!

Member Eligibility

At Mypoint, we believe that everyone deserves access to financial support and a community that cares. Joining us is simple! If you live, work, worship, or attend school in the San Diego area, you're already eligible to become a member. Our doors are open to individuals and families who want to take charge of their financial future with personal banking solutions tailored just for you. With a wide array of services from checking accounts to auto loans and credit cards, being a part of Mypoint means gaining access to resources that help you thrive. Ready to get started? You can find all the specific eligibility criteria by visiting our website at http://www.mypointcu.com/learn/membership . If you have any questions or need assistance during the process, feel free to call us at (619) 401-9422. We're here to guide you every step of the way as you embark on your journey with us at Mypoint, located at 780 Jamacha Rd El Cajon Ca 92019. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer robust merchant services that simplify transactions and enhance customer experiences. Imagine being able to accept payments seamlessly from various platforms all while managing your finances efficiently. Our tools are designed to save you time and help you focus on what really matters: growing your business. Located at 780 Jamacha Rd El Cajon Ca 92019 in El Cajon, CA, we're here to partner with you on your journey toward success. If you're ready to explore our business banking options or need assistance, give us a call at (619) 401-9422 today!

Tailored Loan Solutions

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

Access Anytime, Anywhere

In today's fast-paced world, having access to your finances at all times is essential. That's why we prioritize digital banking features such as mobile payments and person-to-person transfers. These tools allow you to manage your money easily and securely from any device. Whether you're visiting us in person at 780 Jamacha Rd El Cajon Ca 92019 or using our digital services, we strive to ensure that your banking experience is both easy and enjoyable. If you're ready to explore what Mypoint can do for you or if you have any questions about our services, don't hesitate to reach out! Give us a call at (619) 401-9422, or visit us online at El Cajon Branch. Join us today and discover how we can help you achieve your financial goals!

Business Banking Support

For our business members, we understand how crucial it is to have reliable banking support. Our business banking services include merchant services and business loans designed to help local enterprises thrive. We are committed to supporting your business goals every step of the way.

Loans for Every Need

When it comes to financing, our team understands that life brings different opportunities and challenges. That's why we provide a variety of loan options. If you're considering buying a new car, our auto loans and vehicle financing options are here to help you get behind the wheel without breaking the bank. For those looking to invest in property, we offer mortgage loans and refinancing solutions that can make homeownership a reality. Personal loans and debt consolidation are also available for members seeking to streamline their finances or cover unexpected expenses. Plus, don't forget about our credit cards with rewards, which provide benefits every time you make a purchase.

Personal Banking Solutions

Managing your finances has never been easier with our personal banking services. We offer checking and savings accounts tailored to fit various lifestyles. Need quick access to funds? Our ATM services allow for convenient cash withdrawals and balance checks whenever you need them. With features like online and mobile banking, you can handle your banking tasks from the comfort of your home or on-the-go.

Shared Services for Members

As part of the larger credit union network, we also offer basic shared branch transactions for partner credit union members. This means you can make deposits and withdrawals even if you're away from our branch! Our commitment extends beyond just one location we're here for you wherever you may be.

Digital & Online Banking

Convenient Online Services

With our 24/7 online banking services available at https://www.mypointcu.com/ , you can access your accounts anytime, anywhere. Check balances, transfer funds, and pay bills without having to visit a branch. Plus, our e-statements feature allows you to receive your account statements electronically, saving paper and making it easier for you to keep track of your finances.

Mobile Banking at Your Fingertips

For those who prefer banking on the move, our mobile application is here to help. With features like mobile payments and person-to-person transfers, sending money to friends or family has never been easier. Just a few taps on your smartphone, and you're done!

Security You Can Trust

We prioritize your security with robust protection measures in place. While we currently do not offer electronic signature authorization, rest assured that your personal information is safeguarded through advanced encryption protocols. This means you can manage your accounts confidently, knowing that your data is secure. Whether you're looking for quick access to your accounts or the ability to make payments from wherever you are, Mypoint has the tools you need for effective money management. Join us today and experience the convenience of modern banking!

Financial Strength

Community Trust

Total Share Accounts stand at 60,836, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $483,073.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 118 full-time employees and 10 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our 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.

Reinvestment for Growth

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 members' financial goals across various sectors with $3,516 in used auto loans and $487,645,441 in total loans and leases.

Savings and Member Focus

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.

Your Partner in Financial Success

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 780 Jamacha Rd El Cajon Ca 92019 or call (619) 401-9422 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in financing a brand-new vehicle or a reliable used car, we have options that can work for you.

Business Loans

If you're a business owner, you'll be pleased to know that our outstanding commercial loans totaling $77,848,663 provide the capital needed to grow and expand your business. We understand that each business has its own set of challenges and opportunities; thus, our loan products are structured to support your unique vision. If you're considering refinancing or need more information about eligibility options, feel free to reach out to us at (619) 401-9422 or visit us at 780 Jamacha Rd El Cajon Ca 92019 in El Cajon, CA. Our team is ready to assist you with any questions and guide you through our application processes. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Mypoint, we're committed to providing our members with accessible and affordable loan solutions that make financial success attainable.

Credit Lines

For those who prefer more flexibility, our credit lines are designed to give you access to funds when necessary. With a total of $71,972,497 available, you can feel secure knowing that financial support is just a click away.

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 provide competitive rates and flexible terms to help you navigate the home-buying process with ease.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, but our unsecured credit card loans can help. We also offer flexible terms on these loans, with a total of $9,662,001 in loans helping members manage their finances effectively. Enjoy the convenience of having funds available whenever you need them.

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 adherence to recognized standards guarantees that users receive fair and transparent offers. Each loan listing is updated regularly to reflect current market conditions, helping users avoid outdated or misleading information.

MYPOINT CREDIT UNION