MyPoint Credit Union National City CA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Mypoint, your trusted partner in financial well-being! Located at 3003 Highland Ave Ste 102, National City, CA 91950, our branch has been serving the community since 1948. We are proud to be a member-focused credit union with a commitment to helping you achieve your financial goals. With over 27,000 members and assets totaling $626,829,425, we have the resources and expertise to support you in every aspect of your banking journey. At Mypoint, we understand that financial decisions can be daunting. That's why our friendly team is here to provide personalized service tailored to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we have a wide range of services designed just for you. Our total deposits currently stand at $7,414,805, reflecting our dedication to building a strong foundation for our members' futures. While members can visit us at our branch location, official correspondence should be sent to 3003 Highland Ave Ste C, National City, CA 91950. We also offer convenient online and mobile banking services so that you can manage your finances anytime, anywhere. Our leadership team is committed to fostering a supportive environment for our members. Led by CEO Matt Rhead and Board President Jane White, we strive to create meaningful relationships within the community. Our team of 128 employees is ready to assist you with any questions or concerns you may have. Come visit us or give us a call at 619-336-0300 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 4:00 PM. At Mypoint Credit Union, we're not just about banking; we're about building a brighter future together!

Branch History & Mission

Community Engagement

Over the years, we have continually sought ways to give back. Our outreach programs connect us with various organizations and initiatives aimed at improving lives within our community. Whether it's through educational workshops or sponsorship of local events, we remain committed to making a positive impact. In addition to traditional banking services, we embrace digital advancements that make banking more accessible for everyone. Our online and mobile banking platforms allow members to manage their finances conveniently from anywhere while ensuring compliance with ADA standards for inclusivity.

Join Us Today!

As we look towards the future, we invite you to become part of the Mypoint family. Experience firsthand the benefits of being a member of a community-focused credit union where your financial success is our top priority. For more information about joining us or to explore our services further, please reach out at (619) 336-0300 or visit us online at https://www.mypointcu.com/ . We can't wait to welcome you!

Our Mission

At Mypoint, our mission is simple yet profound: we strive to empower our members by providing exceptional financial services while supporting the local community. We believe in fostering relationships built on trust and transparency, ensuring that each member feels valued and understood. Our goal is not just to provide banking services but also to enhance the overall quality of life for everyone in our area. We offer a wide range of services tailored to meet the needs of our diverse membership. From personal banking options like checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we are here to help you achieve your financial goals. Additionally, our business banking services ensure that local entrepreneurs have the support they need to thrive.

Branch Location & Accessibility

Welcome to the Mypoint National City Branch, your friendly neighborhood credit union located at 3003 Highland Ave Ste 102, National City, CA 91950. We're proud to be nestled in the heart of San Diego County, making it easy for our members to access financial services conveniently. Whether you're coming from nearby landmarks like Kimball Park or the National City Plaza, you'll find us just a short drive away. At Mypoint, we believe that banking should be as easy as possible. Our branch offers ample parking and is designed with accessibility in mind, featuring ADA-compliant entrances and ramps. Although we do not have drive-thru banking available, our inviting lobby is open to serve you with a smile. Our operating hours are designed to fit your busy schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 10 AM to 6 PM, and Saturday from 9 AM to 4 PM. Whether you need assistance with personal banking, auto loans, or business services, our dedicated team is here to help. For those who prefer digital convenience, we offer ATM services for quick cash withdrawals and balance checks right at your fingertips. If you need any official correspondence sent our way, please note that it should go to our mailing address at 3003 Highland Ave Ste C, National City, CA 91950. Ready to experience hassle-free banking? Feel free to stop by our National City Branch or give us a call at 619-336-0300. We look forward to serving you!

Member Eligibility

Joining the Mypoint community means stepping into a world of support and financial empowerment. At Mypoint, located at 3003 Highland Ave Ste 102, National City, CA 91950, we warmly welcome anyone who shares our commitment to building a better financial future together. To be eligible for membership, you typically need to live or work in the areas we serve or have family members who are already part of our credit union family. We believe that everyone deserves access to exceptional financial services and a community that truly cares. For detailed eligibility criteria, feel free to visit our resource page at http://www.mypointcu.com/learn/membership . Opening an account with us is easy and straightforward, paving the way for you to enjoy benefits like lower loan rates and personalized service tailored just for you. If you're ready to take this step towards membership or have any questions, don't hesitate to give us a call at 619-336-0300. We're here to help you every step of the way!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer comprehensive merchant services tailored to your needs. Whether you're processing payments online or at a physical location, our solutions are designed to simplify transactions and improve cash flow. Picture this: your customers can pay effortlessly while you focus on what matters most growing your business. Discover how Mypoint, located at 3003 Highland Ave Ste 102 National City Ca 91950 in National City, CA, can help propel your business forward. For more information or to get started, call us at (619) 336-0300 today!

Comprehensive List Of Services

Business Banking Services

Business owners will find valuable resources at Mypoint as well. Our business banking services, including merchant services and business loans, are crafted to help your business thrive. Whether you're starting a new venture or looking to expand an existing one, we're here to guide you every step of the way.

Convenient Digital Access

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking features that allow you to manage your accounts from anywhere at any time. With options for ATM access and cash withdrawal services, getting your money when you need it is simple and hassle-free. Members can also take advantage of basic shared branch transactions, allowing deposits and withdrawals through partner credit unions making it even easier to access your funds across locations.

Get In Touch!

Our commitment to serving our members doesn't stop at offering great products; it's about providing exceptional service in a welcoming environment. Feel free to reach out to us at (619) 336-0300 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 4:00 pm or visit us at 3003 Highland Ave Ste 102 National City Ca 91950. At Mypoint, we're excited to partner with you on your financial journey. Explore our services today!

Personal Banking Solutions

Managing your finances has never been easier with our personal banking services. We offer checking and savings accounts that help you save for your future while keeping your money accessible. Need a vehicle? Our auto loans and vehicle financing options are flexible and designed to fit various budgets, making it easier for you to hit the road in style. If you're considering buying a home or refinancing your current mortgage, our mortgage loans provide competitive rates and personalized service. In times of unexpected expenses, our personal loans and debt consolidation options can help ease the burden, allowing you to manage your finances more effectively. For those who enjoy rewards, we also provide credit cards with rewards, giving you benefits on everyday purchases that can really add up over time.

Digital & Online Banking

Key Features

Need to send money quickly? Our person-to-person transfers feature allows you to send funds to friends or family with just a few taps on your smartphone. Whether you're splitting a bill or sending a gift, it's fast and hassle-free. We also offer e-statements, so you can keep track of your transactions without the clutter of paper statements. Enjoy peace of mind knowing that your information is secure while having easy access to your financial history whenever needed. If you're always on the move, our mobile payments option makes it easy to make purchases using just your phone. Forget fumbling for cash or cards simply tap and go! While we currently do not support electronic signature authorization, our commitment to security remains strong, ensuring that every transaction is protected. At Mypoint, we strive to provide a safe and straightforward banking experience tailored for today's busy lifestyles. Join us today and discover how our digital banking tools can enhance your financial journey!

Financial Strength

Growing Together

With total share accounts reaching 60,836, it's clear that more members trust us with their finances every day. This growing membership base strengthens our ability to serve you effectively while maintaining funds available for lending and investments at $483,073. 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 3003 Highland Ave Ste 102 National City Ca 91950 or call (619) 336-0300 to learn more about how we can help you achieve your financial goals.

Investing Back into Member Services

We believe in reinvesting in our community. With $56,976,237 in undivided earnings, we continually enhance our banking tools, lending options, and security measures to serve you better. Our lending capacity is illustrated by our substantial support for members' financial goals currently holding $3,516 in used auto loans and $487,645,441 in total loans and leases.

Operational Efficiency

Our dedication to operational efficiency is reflected in our $0, which enables us to keep offering competitive loan rates and solid financial products tailored for your needs. We also pride ourselves on having 118 full-time employees and 10 part-time employees who are always ready to assist you with their knowledge and expertise.

Security for Your Savings

Your 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' needs; with non-member deposits at $0, we focus on providing you with better loan rates, lower fees, and exclusive perks designed just for you.

Solid Financial Foundation

With a net worth of $57,603,402, we are proud to showcase our robust financial health. This strong net worth allows us to offer better rates, lower fees, and enhanced member services that you can rely on. Our commitment to maintaining a net worth ratio of $918 demonstrates our solid capital foundation, ensuring that we can continue providing loans and competitive savings rates even in uncertain economic times.

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 flexible terms that can fit your budget, making it easier than ever to drive off in your desired vehicle.

Credit Lines and Unsecured Loans

For those needing access to cash for various expenses, our credit lines are available with a total of $71,972,497 ready for use. Plus, we offer flexible terms on unsecured credit card loans, with a total of $9,662,001 in loans helping members manage their finances effectively. This way, you can handle unexpected costs without straining your budget.

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 competitive rates and personalized service, ensuring you feel confident throughout the process.

Refinancing Options

If you're considering refinancing an existing loan, we have options that could lower your monthly payments and save you money over time. Our team can walk you through eligibility requirements and help determine if refinancing is the right choice for you. For business owners, our outstanding commercial loans totaling $77,848,663 provide the capital needed to grow and expand your operations. We're here to support local businesses by offering tailored financing solutions. At Mypoint, we're committed to helping you navigate your financial journey. For more information about our loan offerings or to discuss which option might be best for you, please reach out at (619) 336-0300 or visit us at 3003 Highland Ave Ste 102 National City Ca 91950 in National City, CA. Your financial success is our priority! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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MYPOINT CREDIT UNION