San Diego, CA 92123


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68377
Date Established 1948
Assets $509.14 million
Loans $408.35 million
Deposits $457.95 million
Capital $44.65 million

Point Loma is an NCUA insured institution located in San Diego, CA. It was founded in 1948 and has approximately $509.14 millions in assets.

Who can join?

PLCU membership is available to everyone who lives, works or worships in San Diego and Riverside Counties. Plus, once you become a member, any of your immediate family members are also eligible to join.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in San Diego and Riverside Counties in California.

Deposit Rates - September 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.08% $1,000 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.21% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.31% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.71% $1,000 - Learn MoreShow Less
6 Mo CD
0.81% $1,000 - Learn MoreShow Less
12 Mo CD
1.31% $1,000 - Learn MoreShow Less
Special: 13 Mo CD
1.53% $1,000 - Learn MoreShow Less
24 Mo CD
1.42% $1,000 - Learn MoreShow Less
36 Mo CD
1.61% $1,000 - Learn MoreShow Less
48 Mo CD
1.87% $1,000 - Learn MoreShow Less
60 Mo CD
2.27% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.21% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1,000 $9,999 Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for POINT LOMA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Point Loma branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Point Loma Locations

Financial Details

Point Loma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Point Loma. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Point Loma U.S. Average
1.32% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Point Loma had $521,281 in non-current loans and $83,104 in owned assets. To cover these potential losses it had $44,651,996 in net worth and $1,288,829 in loans loss reserves. That gives it a Texas Ratio of 1.32%.

Net Worth
Point Loma U.S. Average
8.88% 13.47%

Point Loma FCU has a net worth of 8.88% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Point Loma

Branches and Savings

What is Point Loma?

A federal credit union, registered with the NCUA under certificate #68377.
Learn more about credit unions here.

Is Point Loma FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Point Loma?

Please see Field of Membership information above for information on who is eligible to join.

What are Point Loma's share account and share certificate rates?

Point Loma's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Point Loma?

Point Loma has total capital of $44.65 million. Full information on Point Loma's financial position is located above.

Who owns Point Loma?

Credit Unions are owned by their members.

Where are Point Loma branches located?

See branch locations nearby.

Are Point Loma ATMs Open 24/7?

Do Point Loma ATMs accept cash deposits?

Can Point Loma customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Point Loma have a mobile app?

Does Point Loma have mobile deposit?

Does Point Loma have quick pay?

How can Point Loma transfer money to other banks or credit unions?

Does Point Loma report to credit bureaus?

Does Point Loma use Chexsystems?

Does Point Loma use Equifax?

What is Point Loma's toll free phone number?

What is Point Loma's ACH Routing Number?

What is Point Loma's SWIFT code?

Where can I find Point Loma's wire transfer form?

What is the Point Loma address for deposits?

What Products Does Point Loma Offer

Does Point Loma offer mortgages?

Compare mortgage rates here.

Does Point Loma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Point Loma offer auto and RV loans?

Compare auto loan rates here.

Does Point Loma offer student loans or personal loans?

Compare personal loan rates here.

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