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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 MyPoint Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
MyPoint Credit Union's 9 Month MyTerm CD (new money only) rates are at 4.25%, 5 Month CD Account rates are at 4.00%, 18 Month CD Account rates are at 3.25%, 2 Year CD Account rates are at 3.25%, 3 Year CD Account rates are at 3.25%. MyPoint Credit Union's savings rates are at 0.15%. MyPoint Credit Union's checking rates are as high as 3.25%. MyPoint Credit Union's Personal Loan Rates are as low as 6.99%. MyPoint Credit Union's Credit Card Rates are at 11.99%. MyPoint Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MyPoint Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.57%. Rates last updated and verified on 10/30/2026. MyPoint Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at MyPoint Credit Union? Share your experience about MyPoint Credit Union by leaving a review below, or read customer reviews before you decide to use MyPoint Credit Union. MyPoint Credit Union
Kearny Mesa Main Office 9420 Farnham St
https://www.mypointcu.com San Diego, CA 92123  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. MyPoint Credit Union CD Rates
MyPoint Credit Union Savings Rates
MyPoint Credit Union Checking Rates
MyPoint Credit Union Auto Loan Rates
MyPoint Credit Union RV, Boat and Powersport Loan Rates
MyPoint Credit Union Credit Card Rates
MyPoint Credit Union Personal Loan Rates
MyPoint Credit Union Other Rates
Financial Health HistoryMyPoint Credit Union’s Texas Ratio rose from 0.58% in Q3 2023 to 2.57% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for MyPoint Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather MyPoint Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with MyPoint Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
MyPoint Credit Union
Website
https://www.mypointcu.com
Address
9420 Farnham St,
San Diego, CA 92123
Phone
888-495-3400
Fax
858-495-3416
President
Salvatore Lupo
CEO
Matt Rhead
Full-Time Employees
101
Part-Time Employees
10
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.57%
Return on Assets (ROA)
0.1508%
Return on Equity (ROE)
1.7639%
Non-Performing Loans Ratio (NPL)
0.27%
Total Assets
704,501,023
Total Amount of Shares and Deposits
576,346,619
Total Shares and Deposits < 1 Year
564,218,837
Total Shares and Deposits 1 3 Years
7,588,039
Total Shares and Deposits > 3 Years
4,539,742
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
47,946,356
Total Uninsured Shares and Deposits > $250K (F+J)
47,946,356
Total Insured Shares and Deposits > $250K (item 17 less item K)
528,400,263
Total Interest Expense (Sum of items 6 8)
4,520,953
Share Certificates
2,953
Number of Accounts for Share Drafts
20,835
IRA KEOGH Accounts
1,139
Number of Accounts for Regular Shares
32,313
All other shares
97
Money Market Shares
2,809
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,192,916
Total Liabilities
644,288,722
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for MyPoint Credit Union
Frequently Asked Questions About MyPoint Credit UnionDoes MyPoint Credit Union offer CDs?Yes. MyPoint Credit Union current CD rates include its 9 Month MyTerm CD (new money only) at 4.25% APY, its 5 Month CD Account at 4.00% APY and its 18 Month CD Account at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from MyPoint Credit Union NCUA insured?Yes. MyPoint Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at MyPoint Credit Union?The highest MyPoint Credit Union CD rate is its 9 Month MyTerm CD (new money only) at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does MyPoint Credit Union offer?MyPoint Credit Union CD rates are 4.00% APY for a 5 month CD, 4.25% APY for a 9 month CD, 2.63% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with MyPoint Credit Union for its full lineup. What is the highest savings rate at MyPoint Credit Union?The highest MyPoint Credit Union savings rate is its IRA Savings Account at 0.15% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at MyPoint Credit Union?The highest MyPoint Credit Union checking rate is its High-Yield Checking at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at MyPoint Credit Union?The lowest MyPoint Credit Union auto loan rate is its Newer Green Auto - electric or plug-in hybrid at 5.34% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at MyPoint Credit Union?The lowest MyPoint Credit Union personal loan rate is its Personal Loan - Computer at 6.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at MyPoint Credit Union?The lowest MyPoint Credit Union credit card APR is its Ultra VISA Card Credit Card at 11.99% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does MyPoint Credit Union operate?MyPoint Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join MyPoint Credit Union?Yes, to access services at MyPoint Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, MyPoint Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, MyPoint Credit Union provides members with tools to manage their accounts and build a solid financial history. Does MyPoint Credit Union offer online and mobile banking?Most modern institutions like MyPoint Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mypointcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do MyPoint Credit Union rates compare?MyPoint Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. MyPoint Credit Union's top rates are its 9 Month MyTerm CD (new money only) at 4.25% APY, its IRA Savings Account at 0.15% APY, its High-Yield Checking at 3.25% APY, its Personal Loan - Computer at 6.99% APR and its Ultra VISA Card Credit Card at 11.99% APR, verified by MonitorBankRates on October 30, 2026. Current MyPoint Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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