MyPoint Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

mypointcu.com

888-495-3400

9420 Farnham St
San Diego, CA 92123

MyPoint Credit Union is headquartered in San Diego and is the 82^nd largest credit union in the state of California. It is also the 639^th largest credit union in the nation. It was established in 1948 and as of March of 2025, it had grown to 123 employees and 27,241 members at 7 locations. MyPoint Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

MyPoint Credit Union is open to those who live, work, or worship in San Diego or Riverside Counties in California. Immediate family may also join.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68377
Year Chartered	1948
Employees	123
Primary Regulator

Profit Margin
Return on Assets - YTD	0.03%
Return on Equity - YTD	0.35%
Annual Interest Income	$6.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$652.7MM$657.8MM
Loans	Q1 2025vs Q1 2024	$514.8MM$471.1MM
Deposits	Q1 2025vs Q1 2024	$574.7MM$581.4MM
Equity Capital	Q1 2025vs Q1 2024	$56.8MM$56.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$1.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.1MM$516K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MyPoint Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$2.5k^*	-	Looney Tunes Savings Club
OTHER TIERS: 0.02% → $0 - $2.5k
0.03%^*	$2.5k^*	-	Savings Account
OTHER TIERS: 0.01% → $0 - $300 \| 0.02% → $300 - $2.5k

MyPoint Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Money Management
OTHER TIERS: 0.05% → $1k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k

MyPoint Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.69%	$0	-	Attorney Client Trust Account
3.25%^*	$75k^*	-	High-Yield Checking
OTHER TIERS: 2.25% → $15k - $30k \| 2.50% → $30k - $50k \| 2.75% → $50k - $75k
0.30%^*	$0	$25k	Ultra Rewards Checking
OTHER TIERS: 0.02% → $25k+
0.02%^*	$10k^*	-	MyVIP Checking
OTHER TIERS: 0.01% → $1k - $10k

MyPoint Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$1k	-	5 Month CD Special
3.35%	$1k	-	5 Month LIQUID CD Special
3.35%	$1k	-	Business 5 Month LIQUID CD Special
3.15%	$1k	-	5 Year CD
3.07%	$1k	-	4 Year CD
3.00%	$1k	-	3 Year CD
2.84%	$1k	-	8 Month CD
2.75%	$1k	-	7 Month CD
2.63%	$50	$25k	1 Year Add-on CD
2.58%	$1k	-	18 Month CD
2.18%	$1k	-	2 Year CD
2.10%	$1k	-	6 Month CD
2.00%	$1k	-	3 Month CD

MyPoint Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$1k	-	5 Month IRA Special
3.35%	$1k	-	5 Month LIQUID IRA Special
3.15%	$1k	-	5 Year IRA CD
3.07%	$1k	-	4 Year IRA CD
3.00%	$1k	-	3 Year IRA CD
2.84%	$1k	-	8 Month IRA
2.75%	$1k	-	7 Month IRA
2.63%	$50	-	1 Year IRA CD
2.58%	$1k	-	18 Month IRA CD
2.18%	$1k	-	2 Year IRA CD
2.10%	$1k	-	6 Month IRA
0.15%	$0	-	IRA Savings

Locations

MyPoint Credit Union Locations
Branch Office	3003 Highland Ave Ste 102	National City, CA 91950
Branch Office	9420 Farnham St	San Diego, CA 92123
Branch Office	16763 Bernardo Center Dr	San Diego, CA 92128-2586
Branch Office	780 Jamacha Rd	El Cajon, CA 92019
Branch Office	2610 El Camino Real Unit A	Carlsbad, CA 92008-1214
Branch Office	3777 Sports Arena Blvd	San Diego, CA 92110-5131
Branch Office	3773 30th St Suite G	San Diego, CA 92104

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