MyPoint Credit Union Rancho Bernardo Craftsman Way, San Diego

BEWARE: THIS CREDIT UNION IN UNSECURE AND THEY THEMSELVES WILL STEAL YOUR MONEY!!!!!!  I'M A 30 year customer, soon to be ex-customer Earlier this year they stopped my access to my money without notice. When I called to find out what was happening they told me my card was compromised. I asked them if they could rush me a new card and I was told that I have to go to the branch. Unfortunately I live in Wildomar so the closest location is 45 miles away.  But I wanted to be able to access my money so I made a trip and got a new card. Once I had the card I was told to try it out in their ATM just outside the branch. I did so and it worked fine. I went all the way home and the very next day the new card didn't work. Once again they stopped my card, this time because their own ATM machine had been compromised. So I had to make a second trip to get yet another card. Most retailers check their payment devices daily for skimming devices that steal information. Here is a credit union thats supposed to keep your money safe and they don't check theirs. I moved the bulk of my money out of that place to a secure credit union Altura. Now recently, because I moved 99% of my money out only using My Point for my online stuff.  I forgot about one bill and it was covered by my overdraft for a fee of $35.00. Which I take full responsibility for.  However when I went to print 13 postage labels at $3.19 a piece they decided to charge me $35.00 fee for each one. Thats right a $35.00 fee to cover $3.19. Needless to say the fees added up to over $420.00. After complaining the acted like they did me a favor giving me a little over half back. FLAT OUT THEY STEAL YOUR MONEY AND DON"T KEEP IT SECURE. Point Loma Credit was an awesome institution for many years. But it has become very corrupt as My Point Credit Union.

I have banked with PLCU since 1989, and used the 4S location since it opened. Staff are friendly and helpful. It is very much a local bank. I have had loans of all types with them; home, auto, home equity, etc. They don't always have the lowest rates month to month but they do have the best service. I don't understand some of the other feedback claiming long lines. Almost every time I walk in there's no waiting. Branch manager and officers even stop what they're doing to see what you need and greet me by name. For the home paperwork I've owned five homes and the process is the same with all the traditional banks. My current home loan is with MUFC / Union Bank which I will look at PLCU first to refinance. Getting a loan requires reading an email and uploading the requested documents. Every lender requires these documents. If you're concerned about a few of the lower reviews, don't be. Read some of the other reviews posted by these critics and you'll understand.

I have had an issue with online banking and recently spoke to Eric with the call center. He was patient, professional and pleasant to work with on the issue I had: I was unable to receive the code on my mobile phone and landline to access my online banking. He gave me helpful suggestions and so far I have been able to access my accounts. My Point has a valuable employee in Eric.

I find their hours very convenient. The service is friendly, professional and prompt. This is the only place where I do regular banking in San Diego. Their mortgage applications have been cumbersome in the past, but I have no recent experience with them in that category.

Been banking here for years. Eveyone’s got an opinion. I’ve had great rates on my car loan and amazing service for the past 15 years of banking here.

Worst customer service I have ever experienced. Very rude when they talk to me, and there always seems to be a problem when accessing my money. Use another bank.

Kabitha was very helpful and informative. Appreciate the patience and professionalism my point.

This is my favorite PLCU office. It is never crowded, and it's in a great location. The tellers are always kind and able to help.

Jerked me around for a few days on a loan approval, back and forth asking for document upon document, don’t waste your time, went to another bank and got approved with NO problems.

Dont bank there anymore. Some very nice tellers, but also some rude ones and frequent long lines