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Dividend/Share Rates

Checking Account Rates
  Daily Balance Dividend Rate APY*
  $0.00 - $999.99 0.00% 0.00%
  $1,000.00 - $9,999.99 0.01% 0.01%
  $10,000.00 + 0.02% 0.02%
  Ultra Rewards Rates
  $0 - 25,000.00 0.35% 0.35%
  $25,000.01 + 0.02% 0.02%

Savings Account Rates
  Daily Balance Dividend Rate APY*
  $0.00 - $299.99 0.01% 0.01%
  $300.00 - $2,499.99 0.01% 0.01%
  $2,500.00 + 0.02% 0.02%

Holiday Club Account Rates
  Daily Balance Dividend Rate APY*
  $0.00 - $2,499.99 0.01% 0.01%
  $2,500.00 + 0.02% 0.02%

Looney Tunes Savings Club™
  Daily Balance Dividend Rate APY*
  $0.00 - $2,499.99 0.01% 0.01%
  $2,500.00 + 0.02% 0.02%

Money Management
  Daily Balance Dividend Rate APY*
  $0.00 - $999.99 0.00% 0.00%
  $1,000.00 - $9,999.99 0.01% 0.01%
  $10,000.00 - $24,999.99 0.01% 0.01%
  $25,000.00 - $49,999.99 0.01% 0.01%
  $50,000.00 - $99,999.99 0.02% 0.02%
  $100,000.00 + 0.02% 0.02%

Certificate Account Rates
Period of Investment Dividend Rate APY* Minimum Investment When
Dividend
Paid
3 months 0.02% 0.02% $1,000.00   Maturity
6 months 0.02% 0.02% $1,000.00   Maturity
1 year add-on** 0.05% 0.05% $50.00   Monthly
2 years 0.10% 0.10% $1,000.00   Monthly
3 years 0.46% 0.46% $1,000.00   Quarterly
4 years 0.66% 0.66% $1,000.00   Quarterly
5 years 0.85% 0.85% $1,000.00   Quarterly

Individual Retirement Certificate Rates
Period of Investment Dividend Rate APY* Minimum Investment When
Dividend
Paid
1 year 0.05% 0.05% $50.00 IRA 1 year
paid monthly
2 years 0.10% 0.10% $1,000.00 IRA 2 years
paid quarterly
3 years 0.46% 0.46% $1,000.00 IRA 3 years
paid quarterly
4 years 0.66% 0.66% $1,000.00 IRA 4 years
paid quarterly
5 years 0.85% 0.85% $1,000.00 IRA 5 years
paid quarterly
1 year 0.05% 0.05% $50.00 1 year ROTH IRA
2 years 0.10% 0.10% $1,000.00 2 year ROTH IRA
3 years 0.46% 0.46% $1,000.00 3 year ROTH IRA
4 years 0.66% 0.66% $1,000.00 4 year ROTH IRA
5 years 0.85% 0.85% $1,000.00 5 year ROTH IRA
1 year 0.05% 0.05% $50.00 1 year ROTH IRA
Transfer
2 years 0.10% 0.10% $1,000.00 2 year ROTH IRA
Transfer
3 years 0.46% 0.46% $1,000.00 3 year ROTH IRA
Transfer
4 years 0.66% 0.66% $1,000.00 4 year ROTH IRA
Transfer
5 years 0.85% 0.85% $1,000.00 5 year ROTH IRA
Transfer

Health / IRA Savings Account Rates
Account Type   Daily Balance Dividend Rate APY*
  Health Savings   $0.00 0.01% 0.01%
  Savings IRA   $0.00 0.01% 0.01%

Mortgage Rates

Point Loma Credit Union is
An Equal Housing Lender

Home loans are available on residential zoned properties located in California.  All applications are subject to lending criteria approval including, but not limited to, credit history, property approval, and loan to value.  Our Rate Lock Program allows your interest rate and points to be "Locked In" by you, at the time of application, for 45 days. The rate lock is for interest rate and points only and is subject to the credit union's approval of your creditworthiness, verification of the information provided on your application, and a satisfactory property appraisal. The interest rate may be subject to change if any information obtained during the processing or underwriting of your application differs from that which you provided and/or results in loan-level pricing adjustments. Factors that may result in pricing adjustments include, but may not necessarily be limited to, loan-to-value, credit score, property type, the presence of subordinate financing, and cash-out transactions. You will be informed of any such adjustments if and when they become known to us.

The Annual Percentage Rates (APRs) presented are for owner-occupied properties.  These rates are those extended to our most creditworthy applicants.  The APRs reflect fees of $383, which consist of $18 for flood determination, $65 for tax service, and a $300 processing fee.  The APRs also reflect any points (including origination and discount fees) listed.  All rates, terms and conditions presented are effective 4/24/14 and are subject to change without notice.  Loans with loan-to-value over 80% require mortgage insurance at the borrower's expense and are limited to a maximum of $850,000.

Flood, property hazard and/or mortgage insurance may be required and may result in a higher APR.  If the loan includes an escrow impound account, any changes to the cost of real estate taxes and insurance may affect the total monthly payment amount.

Please call the Real Estate Department at (858) 495-3400 for specific program terms, features and restrictions or for information about other available rates and programs.

Apply Online Now!

95% LTV Financing Available         

Fixed Rate Mortgages

Interest-Only
Maximum of
$4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
Interest-Only 4.250% - 8.000% 0.000% 4.256% - 8.008% $3.54 - $6.67
Payments are interest-only for the first three years before beginning full repayment (principal and interest) for the remaining term of the loan.  Maximum term is 30 years.  Interest rate will be higher for loan amounts in excess of $417,000.  Maximum 80% LTV. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.  


Conforming Loans*
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
30 Year Fixed 4.250% - 8.000% 0.000% 4.259% - 8.011% $4.92 - $7.34
  4.125% - 7.875% 0.375% 4.165% - 7.925% $4.85 - $7.25
  4.000% - 7.750% 1.000% 4.092% - 7.866% $4.77 - $7.16
20 Year Fixed 4.000% - 7.500% 0.000% 4.012% - 7.514% $6.06 - $8.06
  3.875% - 7.375% 0.375% 3.930% - 7.438% $5.99 - $7.98
  3.750% - 7.250% 1.000% 3.877% - 7.396% $5.93 - $7.90
15 Year Fixed 3.500% - 7.625% 0.000% 3.515% - 7.642% $7.15 - $9.34
  3.375% - 7.500% 0.375% 3.445% - 7.579% $7.09 - $9.27
  3.250% - 7.375% 1.000% 3.411% - 7.556% $7.03 - $9.20
10 Year Fixed 3.250% - 7.000% 0.000% 3.272% - 7.024% $9.77 - $11.61
  3.125% - 6.875% 0.375% 3.226% - 6.984% $9.71 - $11.55
  3.000% - 6.750% 1.000% 3.233% - 7.000% $9.66 - $11.48
Maximum term is 30 years.  Interest rate will be higher for loan amounts in excess of $417,000.Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost.

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


Jumbo Loans
Maximum Loan
$4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
Max Loan to $4,000,000 Rate Points APR Per $1,000
30 Year Fixed 4.875% - 9.500% 0.000% 4.882% - 9.509% $5.29 - $8.41
  4.750% - 9.375% 0.375% 4.789% - 9.427% $5.22 - $8.32
  4.625% - 9.250% 1.000% 4.718% - 9.373% $5.14 - $8.23
20 Year Fixed 4.625% - 9.000% 0.000% 4.634% - 9.011% $6.39 - $9.00
  4.500% - 8.875% 0.375% 4.553% - 8.938% $6.33 - $8.92
  4.375% - 8.750% 1.000% 4.501% - 8.900% $6.26 - $8.84
15 Year Fixed 4.125% - 9.125% 0.000% 4.136% - 9.138% $7.46 - $10.22
  4.000% - 9.000% 0.375% 4.067% - 9.077% $7.40 - $10.14
  3.875% - 8.875% 1.000% 4.034% - 9.059% $7.33 - $10.07
10 Year Fixed 4.000% - 8.500% 0.000% 4.016% - 8.518% $10.12 - $12.40
  3.875% - 8.375% 0.375% 3.971% - 8.480% $10.07 - $12.33
  3.750% - 8.250% 1.000% 3.980% - 8.500% $10.01 - $12.27
Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


Investment Properties / Non Owner-Occupied
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
30 Year Fixed 4.750% - 8.500% 1.500% 4.891% - 8.677% $5.22 - $7.69
Term is 30 Years.  Interest rate will be .625% higher for loan amounts in excess of $417,000.  Other restrictions apply.  Please contact us for further information.  Maximum LTV 80%


Variable Rate Mortgages

1/1 Adjustable Rate
Maximum of $4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
1/1 Adjustable Rate 2.000% - 5.500% 0.000% 2.840% - 4.623% $3.70 - $5.68
Fixed for the first year and may adjust every year thereafter.  This rate may vary and has a 1% maximum annual cap and a 6% lifetime cap.  Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


3/1 Adjustable Rate
Maximum of $4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
3/1 Adjustable Rate 2.750% - 6.500% 0.000% 2.851% - 4.699% $4.08 - $6.32
Fixed rate for the first 3 years and may adjust every year thereafter.  This rate may vary and has a 2% maximum annual cap and a 5% lifetime cap.  Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


5/1 Adjustable Rate
Maximum of $4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
5/1 Adjustable Rate 3.250% - 7.000% 0.000% 2.887% - 4.795% $4.35 - $6.65
Fixed for the first 5 years and may adjust every year thereafter.  This rate may vary and has a 2% maximum annual cap and a 5% lifetime cap.  Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


5/5 Adjustable Rate
Maximum of $4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
5/5 Adjustable Rate 3.375% - 7.125% 0.000% 4.290% - 6.232% $4.42 - $6.74
Fixed for the first 5 years and may adjust every 5 years thereafter.  This rate may vary and has a 2% maximum annual cap and a 5% lifetime cap.  Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


7/1 Adjustable Rate
Maximum of $4,000,000
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
7/1 Adjustable Rate 3.500% - 7.250% 0.000% 2.929% - 4.903% $4.49 - $6.82
Fixed for the first 7 years and may adjust every year thereafter.  This rate may vary and has a 2% maximum annual cap and a 5% lifetime cap.  Maximum 95% LTV restrictions based on loan amount, property type, and loan purpose apply. Please contact us for further information. LTVs in excess of 80% require mortgage insurance at an additional cost. 

A No Points/No Closing Costs option is available with this loan product at an interest rate .25% above the applicable 0 point rate.  A Minimum loan amount of $200,000 is required.  Other restrictions apply.  Please contact us for further information.


3/27 Adjustable Rate
Maximum of $4,000,000
(First Time Buyers Only)
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
3/27 Adjustable Rate 3.750% - 7.500% 0.000% 4.206% - 7.958% $4.63 - $6.99
Maximum term is 30 years.  Please contact us for applicable loan limits if the property you are financing is located in another county within the state of California.

The interest rate is fixed for the first three years prior to a one time increase of .50% for the remaining term of the loan.  However, at no time will the adjusted interest rate be less than 4% for loan amounts up to $417,000.  Interest rate will be higher for loan amounts in excess of $417,000.  Lender pays non-recurring closing costs, which include all lender costs except prepaid interest and impounds.  Maximum LTVLoan to Value - The amount of a first mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%.


Fixed Rate Second Mortgages/Home Equity Loans

Fixed Rate
Second Trust Deeds
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
15 Year Fixed 4.500% - 8.625% 0.000% 4.525% - 8.625% $7.65 - $9.92
Maximum Combined LTVCombined Loan to Value - The amount of a first mortgage lien combined with a second mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%.  $250.00 fee required.


Home Improvement
Interest
Rate
Points Annual
Percentage
Rate
Est. Monthly
Payments
Per $1,000
Home Improvement 10.500% 0.000% 10.668% $11.05
15 Year Fixed. Max Loan $35,000. No Equity Required.


Home Equity Lines of Credit

INTEREST-ONLY
SUPER HELOC
Interest
Rate
Points Annual
Percentage
Rate
 
Home Equity Line of
Credit (SUPER HELOC)
4.000% 0.000% 4.000%  
This rate may vary and is .25% above Wall Street Prime and has a lifetime cap of 6% above the initial rate.  However, at no time will the interest rate be less than 4%.  Interest-Only Payments.  25 Year Maximum.  Maximum Combined LTVCombined Loan to Value - The amount of a first mortgage lien combined with a second mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%.


SUPER HELOC
Interest
Rate
Points Annual
Percentage
Rate
 
Home Equity Line of
Credit (SUPER HELOC)
4.000%   4.000%  
This rate may vary and is .25% above Wall Street Prime and has a lifetime cap of 6% above the initial rate.  However, at no time will the interest rate be less than 4%.  25 year maximum.  Maximum Combined LTVCombined Loan to Value - The amount of a first mortgage lien combined with a second mortgage lien as a percentage of the lesser of the purchase price or the appraised value. 80%.



  The above Home Equity Line of Credit products are only available for owner-occupied
  1-family and condominium units.



Loan Rates

The Annual Percentage Rates presented are those extended to our most credit worthy borrowers.  With the exception of the Share and Certificate Secured Loans, and the 36-month New Auto-Used Auto and "Green" Auto loan programs, they also include a .50% discount for members in the Point Loma Relationship Plan.*  An additional .25% discount may also be obtained for vehicles purchased through the credit union's auto buying service.*  The final interest rate will be determined by your overall credit worthiness and participation in any Lighthouse Plan benefits.  Please contact us at (888) 495-3400 to learn more about our auto buying service and to find out how you can qualify for Lighthouse Plan rate discounts.

All loans are subject to approval. Rates and terms effective 4/24/14 and are subject to change without notice. Other terms and conditions may apply.

Loan Type Annual
Percentage
Rate
Max. Term Max. Amount $ Max LTV%
New Auto current model year & 1 year old with less than 3k miles 2.00%

1.49%
66 months

36 months
Maximum based on individually determined qualifications.
66 month term =
120% of factory invoice plus tax, license, GAP and extended warranty.

36-month term =
100% of factory invoice plus tax, license, GAP and extended warranty. Other program guidelines and restrictions may apply.

Used Auto 5 yrs
& newer
2.25%

1.74%
66 months

36 months
Maximum based on individually determined qualifications.
66 month term =
120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage.

36-month term =
100% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. Other program guidelines and restrictions may apply.

Older Used Autos 6 yrs and older. *An auto appraisal performed by a state licensed appraiser may be required to validate value on a case-by-case basis. 6.25% 48 months Maximum based on individually determined qualifications. 100% of Kelley
Bluebook whole-
sale plus GAP and extended warranty. Cannot exceed 100K mileage.
Auto Refi Promo 2.00%

1.74%
66 months

36 months
Maximum based on individually determined qualifications.
66 month term =
120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage.

36-month term =
100% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. Other program guidelines and restrictions may apply.

First Time Auto Buyer New, Used & Older Used 12.05%-15.40% Same as above
based on age of vehicle.
Maximum based on individually determined qualifications. New: 100% of MSRP plus GAP and Service Contact
Used: Average Kelley (5yrs & Newer) Bluebook wholesale and retail (excludes tax & license)
Older Used: 100% of Kelley (6yrs & older) Bluebook wholesale only (excludes tax & license)
Interest Rate Reduction:
5% after 1 year of good repayment history.
"Green" New Auto current model year & 1 year old with less than 3k miles 2.00%

1.49%
66 months

36 months
Maximum based on individually determined qualifications.
66 month term =
120% of factory invoice plus tax, license, GAP and extended warranty.

36-month term =
100% of factory invoice plus tax, license, GAP and extended warranty. Other program guidelines and restrictions may apply.

"Green" Used Auto 5 yrs & newer 2.00%

1.74%
66 months

36 months
Maximum based on individually determined qualifications.
66 month term =
120% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage.

36-month term =
100% of wholesale Kelley Bluebook plus tax, license, GAP and extended warranty. Cannot exceed 100K mileage. Other program guidelines and restrictions may apply.

Other Secured Motorcycles, Jet Skis etc. 10.75% 36 months Maximum based on individually determined qualifications. 100% factory invoice plus tax and license for new units. 75% of Kelley Bluebook retail plus tax & license for units 5 yrs and newer. 75% of Kelley Bluebook wholesale plus tax & license for units older than 6 yrs.
RVs , Boats, & Travel Trailers New and Used Vehicles 3 yrs & newer 9.00% 180 months $50,000.00 to $150,000.00 100% of wholesale
dealer invoice only
(no add-ons) plus tax,
license, and extended
warranty ($2,500 maximum).
  9.48% 180 months $25,000.00 to $49,999.99  
  9.98% 120 months $5,000.00 to
$24,999.99
 
RVs, Boats & Travel Trailers 4 yr & 5 yr
old units
9.25% 180 months $50,000.00 to $150,000.00 100% of Kelley
Bluebook wholesale
plus extended
warranty ($2,500 maximum)
(excludes Tax &
License).
  9.73% 180 months $25,000.00 to $49,999.99  
  10.23% 120 months $5,000.00 to
$24,999.99
 
Signature Loan 9.49% 60 months $50,000.00 or 3 times gross monthly income of primary applicant whichever is less. May require controlled payoffs based on loan decision.
"Green Living" Unsecured Loan 5.49%
120 months $50,000.00 or 3 times gross monthly income of primary applicant whichever is less. May require controlled payoffs based on loan decision. This product has no additional relationship pricing discounts.
Computer Loan 5.49% 36 Months $5,000.00 or 3 times gross monthly income
of primary applicant whichever is less.
Minimum payment is
$50.00. Loan
proceeds are made payable directly to computer store.
Book Loan 6.49% 12 Months $500.00 Proceeds for books
and educational
supplies.  Must
provide proof of
current enrollment
in 9 or more units
of class instruction.
Overdraft Protection
Easy Line of Credit
Prime + 7% to Prime + 12% Based on Wall Street Journal on the 20th of each month. Loan rate is adjusted on the final day of the month. Open End $25,000.00 or 3 times gross monthly income of primary applicant whichever is less. Minimum payment is $25.00 or 2.5% of outstanding balance, whichever is greater.
(A .50% discount will be applied for all Point Loma Relationship Plan members.)
Share Secured Loan 3.0% over dividend rate of account used to secure loan. 60 months 100% of account value.  
Certificate Secured
Loan
3.0% over dividend rate used to secure loan. Up to Certificate maturity date. 100% of account value.  
Sharper Image Loan 8.49% 60 months $25,000.00 or 3 times gross monthly income of primary applicant whichever is less. Loan proceeds paid directly to doctor's
office or medical facility.

  • PLCUs maximum unsecured loan limit is $50,000.00 per qualifying member.  This includes all individual and joint unsecured credit combined.
  • Lighthouse Payment Protection Solution (LHPP) is available on qualified individual and joint loans.  Conditions and limits may apply.
  • See our Account Agreement and Open-ended Loan Disclosures for more information on our PLCU loan products.
NOTE:  All rates, terms and conditions are set by the Board of Directors and are subject to change.  Please call the Credit Union for further information and conditions. *  With the exception of the 36-month New Auto, Used Auto, and "Green" Auto loan programs, at no time will the interest rate be less than the Credit Union's floor rate of 2.00%.
 Card Type Annual
Percentage Rate
(APR) for Purchases
 Platinum Visa    10.25% Variable¹
 Platinum Student Visa    10.25% Variable¹
 Platinum
 Savings Secured
   17.75% Variable²
  Other APRs Cash Advance APR: Purchase APR + 6.00%
Balance Transfer APR: Purchase APR + 6.00%
Default APR: If you incur two late payment fees in a twelve month period, the APR will be 22.00% fixed on all balances.
  Annual Fee None
  Minimum Finance Charge None
  Grace period for repayment of the
  purchase balance
Typically, 28 days from the close of
the billing cycle
  Grace period for repayment of the cash
  advance balance
Interest accrues from the date of posting
  Method of computing the balance for
  purchases
Average daily balance, including
current transactions
  Transaction fee for cash advances
  and balance transfers
3% of each advance
Minimum $10.00
  Late payment fee $15.00
  Non-sufficient funds charge $29.00


¹ The APR presented is extended to our most creditworthy borrowers and is based on the Wall Street Journal Prime Rate as of the 20th of the most recent month plus a margin of 7.00%.  Other APRs based on different margins are available.  Your APR will be determined by your overall credit worthiness.

² The APR presented is based on the Wall Street Journal Prime Rate as of the 20th of the most recent month plus a margin of 14.50%.

Information quoted is current as of 4/24/14 and is subject to change without notice.  For more details about our Visa account terms and conditions, please refer to our Visa Credit Card Agreement & Disclosure.  Please call us at (858) 495-3400 or toll free (888) 495-3400 for the latest Visa information.


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Terms of Use:   The Point Loma Credit Union website is for the exclusive use of its members and non-members interested in the services of the credit union.  Any unauthorized or unlawful use is strictly prohibited.

Disclaimer:  Point Loma Credit Union is not responsible for the privacy practices or the content of websites which we may provide a link to.  While all efforts are made to maintain the accuracy of information presented on the Point Loma Credit Union website, we cannot guarantee that all information is current.  Please contact the credit union call center directly for the most current information at 858-495-3400.


National Credit Union Association Equal Housing Lender America's Credit Unions

Your savings Federally insured to $250,000
by the NCUA, National Credit Union Administration,
a US government agency.  Point Loma Credit Union
is an Equal Housing Lender.

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All rights reserved