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Mypoint

9420 Farnham St, San Diego, CA 92123
NCUA Insured3.8 (42 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1948

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

9420 Farnham St

San Diego, CA 92123

Service Area

This credit union is located in San Diego and serves members in the CA area. Currently serving 27,526 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.09%

Used Auto Loan

5.99%

Personal Loan

13.75%

Credit Card APR

14.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

3.8

42 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Kimberly Matthes

Kimberly Matthes

4 months ago

I've been with PLCU for 30 years. While the claim is they are the same credit union under a different name, I don't buy it. The customer service has changed, very robotic and impersonal, almost a "stick to the script" feel. I left San Diego 20 years ago, but loved PLCU so much that I kept our long distance relationship. I am seriously reconsidering closing my account, it just isn't anywhere near the feel of PLCU. In response to, "Response from owner": Your response is exactly the condescending tone I was speaking about. I did not ask you to review and publicly respond to my personal interaction with MyPoint. You could have contacted me directly to discuss. The choice to be passive-aggressive in your response is low hanging fruit.

Joy Montellano-Daluraya

Joy Montellano-Daluraya

3 months ago

Noah at PLCU (Farmham office) had excellent customer service. He is very knowledgeable and kind. Definitely recommend seeing him if you have questions.

Trash_Mouth Vegan

Trash_Mouth Vegan

8 months ago

Every time I mess something up, they immediately fix it... that's not funny, but I'm laughing because it's true. They're always so friendly and thorough, and I greatly appreciate everyone at this location Update, I closed my accounts and took 3 stars. At this location, I've unfortunately been in contact with two of their staff members who were so rude and disrespectful, I walked out and no, I never wanted to walk back in. But I did, closed my accounts and took my cash, what a terrible disappointment that was

Angel Go

Angel Go

7 months ago

I came this morning to cash and open an account for my business. I needed 3 checks cashed and they denied me after showing proof I owned the busienss. Had more than 3 identification and proof of owner. Won't come back again.

Trent S

Trent S

3 years ago

They used to be better when PLFCU. They charged inactivity fees until they drained my account and closed it. No letter. No notification. Just took it and didn't tell me. Probably buried in their terms and conditions but pretty awful. It wasn't that much money but this will cost them a customer forever. Just pulled two other accounts from them. I'm far from poor, I just forgot about this account. MyPoint Credit Union = Not your money. Stay away! After you write a bad review, they will hide from the fact that they DID NOT notify me and make up stories about the law. The response, blaming the customer, should tell you everything about them. They will steal if they can hide behind policies and lies. Great organization.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).