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MyPoint Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 84th largest credit union in the state of California. It is also the 642nd largest credit union in the nation. It was established in 1948 and as of September of 2024, it had grown to 118 employees and 27,465 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

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Health
B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68377
Year Chartered1948
Employees118
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD2.8%
Annual Interest Income$19.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$626.8MM$687.5MM
LoansQ3 2024vs Q3 2023$487.6MM$468.4MM
DepositsQ3 2024vs Q3 2023$552MM$610.6MM
Equity CapitalQ3 2024vs Q3 2023$57.1MM$55.5MM
Loan Loss AllowanceQ3 2024vs Q3 2023$1.5MM$1.6MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$407K$336K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not MyPoint Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-IRA Savings
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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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$25kUltra Rewards Checking
OTHER TIERS: 0.02% → $25k+
0.02%*$10k*-MyVIP Checking
OTHER TIERS: 0.01% → $1k - $10k

MyPoint Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-5 Month CD Special
3.75%$1k-5 Month LIQUID CD Special
3.75%$1k-Business 5 Month LIQUID CD Special
3.59%$1k-8 Month CD
3.25%$1k-7 Month CD
2.78%$50$25k1 Year Add-on CD
2.58%$1k-18 Month CD
2.52%$1k-3 Year CD
2.52%$1k-5 Year CD
2.27%$1k-4 Year CD
2.18%$1k-2 Year CD
2.10%$1k-6 Month CD
2.00%$1k-3 Month CD

MyPoint Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$1k-5 Month IRA Special
3.75%$1k-5 Month LIQUID IRA Special
3.59%$1k-8 Month IRA
3.25%$1k-7 Month IRA
2.78%$50-1 Year IRA CD
2.58%$1k-18 Month IRA CD
2.52%$1k-3 Year IRA CD
2.52%$1k-5 Year IRA CD
2.27%$1k-4 Year IRA CD
2.18%$1k-2 Year IRA CD
2.10%$1k-6 Month IRA
Locations


MyPoint Credit Union Locations
Branch Office3003 Highland Ave Ste 102National City, CA 91950
Branch Office9420 Farnham StSan Diego, CA 92123
Branch Office16763 Bernardo Center DrSan Diego, CA 92128-2586
Branch Office780 Jamacha RdEl Cajon, CA 92019
Branch Office2610 El Camino Real Unit ACarlsbad, CA 92008-1214
Branch Office3777 Sports Arena BlvdSan Diego, CA 92110-5131
Branch Office3773 30th St Suite GSan Diego, CA 92104

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