Point Loma Credit Union

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

9420 Farnham St, San Diego, CA 92123

Website

(888) 495-3400

Data Source: NCUA, December 31, 2016


Point Loma Credit Union was founded in 1948. Headquartered in San Diego, California, Point Loma 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). Point Loma 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, Point Loma Credit Union services 37,745 members through its 6 offices and branches and 108 full-time and 11 part-time employees. It has $478,909,142 of total assets and $39,212,813 of net worth. Based on its asset size and net worth ratio, Point Loma Credit Union is classified as a Well Capitalized medium large credit union.

Point Loma 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. Point Loma Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Point Loma 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
0.0200
0.0000
0.0000
Savings
0.0200
0.1000
0.1200
Money Market
0.0200
0.1900
0.2500
Certificate Deplit
0.3800
0.5500
0.5800
IRA
0.3800
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
15.6000
10.0400
9.9900
Unsecured Line of Credits
11.3200
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
5.3100
3.0000
3.3300
Used Car Loans
6.3100
3.7400
4.5000
1st Mortgage Real Estates
4.4300
4.0300
4.2500
Other Real Estates
5.8100
4.7400
4.7000

Point Loma 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 Point Loma 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
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
Yes
No
View Account History
Yes
No

As a community financial institution, Point Loma Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Carlsbad Branch
6971 El Camino Real
Carlsbad, CA 92009
Phone:760-804-9040

El Cajon Branch
780 Jamacha Rd
El Cajon, CA 92019
Phone:619-401-9422

Kearny Mesa Main Office
9420 Farnham St
San Diego, CA 92123
Phone:888-495-3400

National City Branch
3003 Highland Ave Ste C
National City, CA 91950
Phone:619-336-0300

Rancho Bernardo
10413 Craftsman Way Ste 102
San Diego, CA 92127
Phone:858-485-0812

Sports Arena Branch
3777 Sports Arena Blvd
San Diego, CA 92110-5131
Phone:619-226-7100

(858) 495-3416

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  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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