North Island Financial Credit Union

Rated star_ratedstar_ratedstar_ratedstar_rated_halfstar_normal by Credit Guide
Review based on 12 criteria Rating: 3.5 out of 5

PO Box 85833, San Diego, CA 92186

Website

(858) 769-7600

Data Source: NCUA, December 31, 2016


North Island Financial Credit Union was founded in 1940. Headquartered in San Diego, California, North Island Financial Credit Union is a state chartered and federally insured credit union, being chartered in California and insured through the National Credit Union Share Insurance Fund (NCUSIF). North Island Financial Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, North Island Financial Credit Union services 73,486 members through its 12 offices and branches and 222 full-time and 37 part-time employees. It has $1,258,849,045 of total assets and $142,241,876 of net worth. Based on its asset size and net worth ratio, North Island Financial Credit Union is classified as a Well Capitalized large credit union.

North Island Financial Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. North Island Financial Credit Union also provides an array of services to its members and local communities. North Island Financial Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of North Island Financial Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of California
Median of USA
Checking
0.0500
0.0000
0.0000
Savings
0.0500
0.1000
0.1200
Money Market
0.1000
0.1900
0.2500
Certificate Deplit
0.1000
0.5500
0.5800
IRA
0.1500
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
10.1500
10.0400
9.9900
Unsecured Line of Credits
6.9900
10.9900
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
5.7500
6.0200
New Car Loans
1.9900
3.0000
3.3300
Used Car Loans
1.9900
3.7400
4.5000
1st Mortgage Real Estates
3.2500
4.0300
4.2500
Other Real Estates
4.0000
4.7400
4.7000

North Island Financial Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by North Island Financial Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
Yes
Bill Payment
Yes
Yes
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
Yes
No
View Account History
Yes
No

As a community financial institution, North Island Financial Credit Union actively involves in local communities by prliding services such as financial counseling, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
5th & Laurel
2550 5th Ave Ste 100
San Diego, CA 92103
Phone:800-848-5654

Eastlake
884 Eastlake Pkwy Ste 1615
Chula Vista, CA 91914-4548
Phone:619-621-6010

El Cajon
301 N Magnolia Ave Ste 102
El Cajon, CA 92020-3994
Phone:619-656-7167

Encinitas
288 N El Camino Real Ste B
Encinitas, CA 92024-2865
Phone:858-769-7491

Headquarters
Main Office

5898 Copley Dr
San Diego, CA 92111
Phone:858-769-7600

Imperial Beach
1101 Palm Ave
Imperial Beach, CA 91932-1618
Phone:619-656-7150

Kearny Mesa
9119 Clairemont Mesa Blvd
San Diego, CA 92123
Phone:619-656-7211

La Mesa
7968 El Cajon Blvd
La Mesa, CA 91942-0605
Phone:619-656-7191

Mira Mesa
9420 Mira Mesa Blvd
San Diego, CA 92126
Phone:619-656-7216

North Island
Building 318 Nasni
San Diego, CA 92135
Phone:619-656-7156

Scripps-poway
10549 Scripps Poway Pkwy
San Diego, CA 92131
Phone:619-656-7240

South Bay
45 N Broadway
Chula Vista, CA 91910-1401
Phone:619-656-7273

(858) 769-7956

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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