TOP LIST OF BEST CREDIT UNIONS IN NORTH COUNTY

Credit unions are member-owned financial institutions that offer a variety of banking services, often at lower fees and with better interest rates than traditional banks. If you live in North County, you’re lucky to have a number of great credit unions to choose from. Here are the top 6, based on factors such as member satisfaction, financial stability, and range of services offered.

1. San Diego County Credit Union (SDCCU)

• Website: https://www.sdccu.com/
• History: Founded in 1934, SDCCU is the largest credit union in San Diego County, with over 800,000 members and $12 billion in assets.
• Services: SDCCU offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services.
• Tips on joining: Anyone who lives, works, or attends school in San Diego County is eligible to join SDCCU. You can join online or at any of their 65 branches.
• Perks: SDCCU members enjoy a variety of perks, such as free checking accounts, low interest rates on loans, and discounts on local businesses.
• Pros: SDCCU is a large and stable credit union with a wide range of services. They also have a strong commitment to community service.
• Cons: SDCCU can be a bit crowded at times, and their customer service can be slow.

2. California Coast Credit Union

• Website: https://www.calcoastcu.org/
• History: Founded in 1933, California Coast Credit Union is one of the oldest credit unions in San Diego County.
• Services: California Coast Credit Union offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services.
• Tips on joining: Anyone who lives, works, or attends school in San Diego County is eligible to join California Coast Credit Union. You can join online or at any of their 22 branches.
• Perks: California Coast Credit Union members enjoy a variety of perks, such as free checking accounts, low-interest rates on loans, and discounts on local businesses.
• Pros: California Coast Credit Union is a smaller credit union with a more personal touch. They also have a strong commitment to environmental sustainability.
• Cons: California Coast Credit Union does not have as many branches as SDCCU.

3. Mission Federal Credit Union

• Website: https://www.missionfed.com/
• History: Founded in 1935, Mission Federal Credit Union is one of the largest credit unions in San Diego County, with over 500,000 members and $8 billion in assets.
• Services: Mission Federal Credit Union offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services.
• Tips on joining: Anyone who lives, works, or attends school in San Diego County is eligible to join Mission Federal Credit Union. You can join online or at any of their 32 branches.
• Perks: Mission Federal Credit Union members enjoy a variety of perks, such as free checking accounts, low-interest rates on loans, and discounts on local businesses.
• Pros: Mission Federal Credit Union is a large and stable credit union with a wide range of services. They also have a strong commitment to financial education.
• Cons: Mission Federal Credit Union can be a bit crowded at times, and their customer service can be slow.

4. North Island Credit Union

• Website: https://www.ccu.com/Opens in a new windowpitchbook.com
• History: Founded in 1951, North Island Credit Union is the fourth-largest credit union in San Diego County, with over 300,000 members and $5 billion in assets. Originally established to serve employees of the Naval Air Station Miramar, it has since expanded its membership to include anyone who lives, works, or attends school in San Diego or Riverside County.
• Services: North Island Credit Union offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services. They also have a strong focus on online banking and mobile banking, making it easy to manage your finances on the go.
• Tips on joining: Anyone who lives, works, or attends school in San Diego or Riverside County is eligible to join North Island Credit Union. You can join online or at any of their 22 branches.
• Perks: North Island Credit Union members enjoy a variety of perks, such as free checking accounts, low-interest rates on loans, and discounts on local businesses. They also offer a rewards program that allows you to earn points for everyday banking activities, which can be redeemed for cash, travel, or merchandise.
• Pros: North Island Credit Union is a large and stable credit union with a wide range of services. They are also committed to providing personalized service to their members.
• Cons: North Island Credit Union does not have as many branches as some of the other credit unions on this list.

5. MyPoint Credit Union

• Website: https://www.mypointcu.com/Opens in a new windowwww.mypointcu.com
• History: Founded in 1950, MyPoint Credit Union is a smaller credit union with a strong focus on serving the San Diego community. They have over 100,000 members and $1 billion in assets.
• Services: MyPoint Credit Union offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services. They also offer a variety of financial education programs and workshops.
• Tips on joining: Anyone who lives, works, or attends school in San Diego County is eligible to join MyPoint Credit Union. You can join online or at any of their 12 branches.
• Perks: MyPoint Credit Union members enjoy a variety of perks, such as free checking accounts, low-interest rates on loans, and discounts on local businesses. They also offer a loyalty program that rewards members for their banking activity.
• Pros: MyPoint Credit Union is a smaller credit union with a more personal touch. They are also committed to giving back to the community.
• Cons: MyPoint Credit Union does not have as many branches as some of the other credit unions on this list.

6. Palomar Community Credit Union

• Website: http://www.palomarin.org/home.htmOpens in a new windowen.wikipedia.org
• History: Founded in 1960, Palomar Community Credit Union is a credit union with a focus on serving the communities of Escondido, San Marcos, and Vista. They have over 100,000 members and $1 billion in assets.
• Services: Palomar Community Credit Union offers a wide range of banking services, including checking and savings accounts, loans, mortgages, credit cards, and investment services. They also offer a variety of financial education programs and workshops.
• Tips on joining: Anyone who lives, works, or attends school in Escondido, San Marcos, Vista, or surrounding areas is eligible to join Palomar Community Credit Union. You can join online or at any of their 8 branches.
• Perks: Palomar Community Credit Union members enjoy a variety of perks, such as free checking accounts, low-interest rates on loans, and discounts on local businesses. They also offer a loyalty program that rewards members for their banking activity.
• Pros: Palomar Community Credit Union is a smaller credit union with a more personal touch. They are also committed to giving back to the community.
• Cons: Palomar Community Credit Union does not have as many branches as some of the other credit unions on this list.