MyPoint Credit Union San Diego CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mypoint, your trusted financial partner located at 9420 Farnham St, San Diego, CA 92123. Established in 1948, we have proudly served our community for over seven decades. With a commitment to providing exceptional member services, we currently support 27,465 members with a wide range of financial solutions. At Mypoint, we understand that each member has unique needs. That's why we offer personalized banking options including checking and savings accounts, auto loans, mortgage refinancing, and business banking services. Our total assets stand at an impressive $626,829,425, ensuring that we have the resources to help you achieve your financial goals. Our dedicated team of 128 employees, led by CEO Matt Rhead and Board President Jane White, is here to assist you every step of the way. Whether you need advice on loans where we've issued a total of 18,126 or want to explore our credit card options with rewards, we're ready to guide you. While you can visit us at our branch for all your banking needs, official correspondence should be sent to our mailing address: 9420 Farnham St, San Diego, CA 92123. We invite you to take advantage of our online and mobile banking services for added convenience. With total deposits reaching $7,414,805 and a net worth of $57,603,402, Mypoint remains financially strong and committed to your success. If you're looking for a place that genuinely cares about its members and their financial well-being, look no further. Ready to start your journey with us? Give us a call at 888-495-3400 or visit our website at mypointcu.com today!

Branch History & Mission

Our Mission

Our mission at Mypoint is clear: We strive to empower our members by offering personalized financial solutions that foster growth and security. We believe that every member deserves access to quality banking services that cater to their unique needs. Whether it's personal banking with checking and savings accounts or business banking solutions like merchant services and loans, we are here to help you succeed. In addition to our financial offerings, we actively engage in community outreach initiatives. We understand that our success is intertwined with the well-being of those around us. Through various partnerships and outreach programs, Mypoint aims to uplift and support local organizations while promoting financial literacy. While members can visit us at 9420 Farnham St San Diego Ca 92123, official correspondence should be sent to 9420 Farnham St, San Diego, CA 92123. Our operating hours are Monday through Friday from 8:00 AM to 4:30 PM (Main Office) and from 9:00 AM to 6:00 PM (Kearny Mesa Branch), making it convenient for you to reach us whenever you need assistance. With ATM availability and shared service center options, accessing your funds has never been easier. We also prioritize digital advancements by offering online banking and mobile payment options that keep your finances at your fingertips. We invite you to join Mypoint today! Experience the difference of being part of a credit union that truly cares about its members. Together, let's build a brighter financial future for you and our community! For more information or to become a member, visit us online at Mypoint or call us at 888-495-3400.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our branch is fully ADA compliant, ensuring that everyone can access our services easily. Parking is available nearby, so you can park without hassle while visiting us.

Call to Action

Have questions or need assistance? Don't hesitate to reach out! You can call us at (888) 495-3400 or simply drop by our branch during operating hours. We look forward to welcoming you at Mypoint soon!

Operating Hours

Our doors are open Monday through Friday from 8:00 AM to 4:30 PM at the main office and until 6:00 PM at the Kearny Mesa Branch. We understand that life can be busy, which is why we strive to accommodate your schedule.

Services Offered

At Mypoint, we provide a wide range of services tailored for your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. If you're a business owner, explore our merchant services and business loans too! Plus, enjoy the convenience of online and mobile banking whenever you need it.

Member Eligibility

Becoming a member of Mypoint is like opening the door to a welcoming community that truly cares about your financial well-being. If you're wondering whether you can join us, the good news is that many people qualify! Generally, eligibility includes those who live, work, or worship in our local area or are related to someone who is already a member. We aim to make membership accessible and beneficial for everyone. Not only will you enjoy competitive rates on loans and savings, but you'll also be part of a supportive network focused on helping you achieve your financial goals. To learn more about specific eligibility criteria and see if you fit the bill, check out our detailed guide at http://www.mypointcu.com/learn/membership . When you're ready to open an account and start enjoying all the perks of membership, feel free to reach out by calling us at (888) 495-3400 or visit us at our branch located at 9420 Farnham St San Diego Ca 92123. We can't wait to welcome you into the Mypoint family!

Business Banking & Commercial Services

Commercial Loans Tailored for Growth

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 That Make Transactions Easy

Imagine a day where your payments process smoothly, allowing you to focus on what really matters growing your business. Our merchant services provide the tools you need to accept payments seamlessly, whether online or in-person. From credit card processing to mobile payment solutions, we have you covered. Visit us at 9420 Farnham St San Diego Ca 92123 in San Diego, CA or call us at (888) 495-3400 to learn more about how we can support your business's financial journey.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our Business Banking services include Merchant Services and Business Loans that cater specifically to small businesses. Whether you're looking to expand or simply need funds for everyday operations, we're here to help your business thrive.

Convenient Access Anytime

In today's fast-paced world, convenience is key. That's why we offer Online & Mobile Banking options so you can manage your accounts on the go. Whether you're making deposits, checking balances, or transferring funds between accounts, it's all just a few taps away on your smartphone. Our ATM & Cash Withdrawal Services ensure that access to cash is always available when you need it.

Credit Solutions

Managing debt can feel overwhelming, but our Personal Loans & Debt Consolidation services are designed to provide relief. By consolidating debts into one manageable loan, you can regain control of your finances. Plus, don't forget about our Credit Cards with Rewards program! These cards not only make purchases easier but also reward you for everyday spending perfect for those who enjoy benefits like cash back or travel points.

Home Financing Options

For those looking to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services can guide you through the process. We know that securing a mortgage can be daunting, but our friendly team is here to simplify things and help you find the right solution for your budget.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for future goals, our personal banking services are tailored just for you. We offer Checking and Savings Accounts that make it easy to manage your day-to-day expenses while also growing your savings. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options come with competitive rates, ensuring that driving away in your dream car is within reach.

Shared Branching Benefits

We know how important flexibility is for our members. That's why we participate in Basic Shared Branch Transactions, allowing partner credit union members to perform essential transactions like deposits and withdrawals at our location. This means even more access and convenience for everyone! If you'd like more information about any of these services or if you're ready to get started with us today, feel free to reach out at (888) 495-3400. We're excited to assist you with all your financial needs at Kearny Mesa Main Office! Visit us soon and discover how we can help you secure a brighter financial future.

Digital & Online Banking

At Mypoint, we know that convenience and security are essential for your banking needs. That's why we offer a variety of digital and online banking services designed to make managing your finances easier than ever. With 24/7 access to your accounts through our online banking platform, you can check balances, pay bills, and transfer funds whenever you need to right from the comfort of your home or on the go. Explore our robust online banking features at https://www.mypointcu.com/ . Whether you're looking to view your e-statements or set up mobile payments, we've got you covered. Our e-statements make it easy to keep track of your finances without cluttering your mailbox, while our mobile payments feature allows you to make purchases quickly and securely with just a tap on your smartphone. For those who like to stay connected, our mobile application is available for download, putting all the power of banking right in your pocket. You can manage accounts, deposit checks, and even send money with person-to-person transfers all in real time. No more waiting in lines or dealing with paperwork; everything is just a few clicks away. We prioritize your security and privacy too. While we currently don't offer electronic signature authorization for documents, we ensure that all transactions are safeguarded with top-notch security protocols so you can bank with peace of mind. With our digital and online banking services, accessing your funds and managing your financial life has never been easier. Join us at Mypoint today and discover how simple it can be to stay on top of your banking needs!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 60,836, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $483,073, demonstrating our capacity to meet your needs effectively. 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 9420 Farnham St San Diego Ca 92123 or call (888) 495-3400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Operational Efficiency

Our financial performance speaks volumes about our operational efficiency; our $0 reflects our ability 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.

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 commitment to your financial success is reflected in our lending capacity; with $3,516 in used auto loans and $487,645,441 in total loans and leases, we support members' financial goals across various sectors.

Solid Foundation

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.

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 and competitive interest rates that make it easier for you to drive off in your ideal vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $77,848,663 provide the capital needed to grow and expand. Whether you're looking for funds to start a new venture or expand an existing one, we can help find the right solution for you. At Mypoint, we pride ourselves on offering personalized service and competitive rates that help you make informed decisions. If you're considering refinancing or want more information about eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (888) 495-3400, or visit us at our branch located at 9420 Farnham St San Diego Ca 92123 in San Diego, CA. 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 assist you on your journey toward financial success!

Credit Lines and Unsecured Loans

For those who need additional flexibility, we offer credit lines with a total of $71,972,497 available to help you manage cash flow effectively. We also provide unsecured credit card loans, with a total of $9,662,001 in loans helping members manage their finances effectively. These products come with flexible terms tailored to fit your lifestyle.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is ready to guide you through the process.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool empowers users to make informed choices about their borrowing needs. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that all offers presented are fair and transparent. According to the latest results from the NCUA, LendMesh's commitment to using verified sources fosters trust among users looking for reliable loan options. One of the standout features of LendMesh is its emphasis on Verified Data. All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh maintains a strict policy against Sponsored Listings; lenders are not prioritized based on paid promotions. This means users receive truly unbiased results tailored to their needs. LendMesh also provides Real-Time Rate Comparisons, which means users have access to up-to-date loan rates from multiple institutions at any moment. This feature is crucial for making timely decisions and securing the best possible rates. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this highlight the real-world benefits of using LendMesh as a comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

MYPOINT CREDIT UNION