Business Details
50+ Years
experience
Your Trusted San Diego Credit Union for Personalized Financial Solutions
MyPoint Credit Union has been a cornerstone of the San Diego community for over 75 years, dedicated to empowering members through personalized financial solutions. As a member-owned institution, we prioritize the financial well-being of our clients over profit, offering competitive rates, low fees, and a wide range of services tailored to individual and business needs. Our commitment to transparency, community engagement, and innovative digital tools ensures members can manage their finances conveniently and securely.With a team of experienced professionals and a focus on ethical practices, we provide federally insured deposits and specialized programs like green energy loans, first-time homebuyer support, and small business solutions. Our mission remains steadfast: to help members live life on their own terms by delivering exceptional service and fostering long-term financial success.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Business Banking
Personal Loans
Home Equity Lines
Investment Services
Digital Banking
Details
- Year established: 1948
Highlights and features
- Member-owned structure prioritizing client needs over profits
- Competitive rates on loans and high-yield deposit accounts
- 75+ years serving San Diego communities with local expertise
- 24/7 digital banking with mobile deposit and security features
- Federally insured deposits up to $250,000 per member
Associations and certifications
- NCUSIF
What people say
Remember my name
Extra mile
Positive experience
Helpful staff
Competitive rates
Services
Checking Accounts
MyPoint offers multiple checking account options including High-Yield, MyVIP, and Business Checking. Features include free bill pay, mobile banking, and nationwide ATM access. Accounts earn competitive dividends while providing fraud protection and early direct deposit access. Business accounts include merchant services and Autobooks integration for streamlined financial management.
Auto Loans
Competitive auto loan programs with rates starting at 5.34% APR for new and used vehicles. Special financing options include green auto loans for energy-efficient vehicles and refinancing programs. Members receive free CARFAX reports and access to the Costco Auto Program for prearranged pricing on vehicle purchases.
Mortgage Loans
Comprehensive mortgage solutions including first-time homebuyer programs with 5% down payments. Offerings range from conventional first mortgages to jumbo loans and adjustable-rate mortgages. HELOC options provide flexible credit lines secured by home equity for renovations, debt consolidation, or major expenses.
Credit Cards
Visa credit card portfolio featuring low introductory APRs (as low as 2.99%) and rewards programs. The MyPremium Perks Visa offers cashback, travel rewards, and merchandise through a points system. Secured and student card options help build credit with no annual fees.
Business Banking
Tailored business banking solutions including checking accounts, money market accounts, and merchant services. Features like Autobooks integration automate invoicing and payment processing. Commercial lending options cover equipment financing, real estate, and green energy projects with dedicated relationship managers.
People
Matthew Rhead
President/Chief Executive Officer
Matthew Rhead leads MyPoint Credit Union with over 25 years of financial services experience, focusing on member-centric innovation and community development. He champions financial literacy programs and sustainable banking practices while maintaining the credit union's local roots.
Peter S. Butler
Senior Vice President, Operations/Chief Operating Officer
Peter Butler oversees daily operations and strategic implementation, ensuring efficient service delivery across all branches. With expertise in financial operations, he maintains the credit union's commitment to technological advancement and regulatory compliance.
Simeon Tabakov
Senior Vice President, Finance/Chief Financial Officer
Simeon Tabakov manages financial strategy and risk management, maintaining fiscal health while developing member-focused financial products. His background in credit union finance ensures competitive rates and sustainable growth for the institution.
Questions
How do I become a MyPoint Credit Union member?
Membership requires living, working, or worshiping in San Diego or Riverside County. Visit a branch, call 888-495-3400, or apply online with proper ID and a $5 membership fee.
What digital banking features are available?
Access mobile banking with bill pay, mobile deposit, account transfers, real-time alerts, and 24/7 account access through our secure online platform and mobile app.
Do you offer business banking services?
Yes, we provide business checking, merchant services, commercial loans, and Autobooks integration for small businesses with dedicated support and competitive rates.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 per individual through the National Credit Union Share Insurance Fund (NCUSIF).
What loan payment options exist?
Make payments through SmartPay from any financial institution, in-branch, by mail, or via our mobile app with same-day processing available before 6 PM PST.
How do I report a lost card?
Call 888-241-2510 (US) or 909-941-1398 (international) immediately to report lost or stolen cards and request emergency card replacement.
