Why choose a credit union?Credit unions are owned and operated by the people who use them. That’s why they’re dedicated to the things that really matter to you and your family. MyPoint Credit Union membership is available to everyone who lives, works or worships in San Diego and Riverside Counties. Plus, once you become a member, any of your immediate family members are also eligible to join.
Empowering members, not enriching investors
Opening a checking, savings or other account makes you a member. And that entitles you to receive a share of any surplus income as an annual dividend—money that banks pay to their outside stockholders.
Reducing fees and improving rates
Because credit unions aren’t obliged to make a profit for stockholders, they can afford to reduce or eliminate many fees. And they can offer better rates on savings and more attractive terms on loans. Of course, accounts are federally insured up to $250,000.
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Being there for you from coast to coast
Members can bank at other credit unions who are a part of the CO-OP network, giving you access to nearly 30,000 surcharge-free ATMs and 5,600 shared branches nationally for easy access to your money wherever you go.
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