Credit union · NCUA insured
MyPoint Credit Union
A $701.1M credit union headquartered in San Diego, CA, with 28,091 members and 7 branches in California. Best rates: CDs 4.25% and savings 0.10% APY.
MyPoint Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#24 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MyPoint Credit Union
MyPoint Credit Union is a member-owned financial institution serving members across San Diego and Riverside Counties in California.
Operating for over 75 years, the credit union operates seven branches across San Diego.
- Headquarters
- 9420 Farnham St, San Diego, CA 92123
- NCUA charter
- 68377
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, or worships in San Diego and Riverside Counties.
Family and household
- Immediate family members of existing members are eligible to join.
Branches
7 branches in California
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California
7 branches
- Kearny Mesa Main OfficeMain office9420 Farnham St, San Diego, CA 92123Directions
- Carlsbad Branch2610 El Camino Real Unit A, Carlsbad, CA 92008Directions
- El Cajon Branch780 Jamacha Rd, El Cajon, CA 92019Directions
- National City Branch3003 Highland Ave Ste 102, National City, CA 91950Directions
- North Park3773 30th St, Suite G, San Diego, CA 92104Directions
- Rancho Bernardo16763 Bernardo Center Dr, San Diego, CA 92128Directions
- Sports Arena Branch3777 Sports Arena Blvd, San Diego, CA 92110Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.55% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.27% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $105 | $76 | — |
- CapitalNet worth ratio8.55%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.27%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$105Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of MyPoint Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.