MyPoint Credit Union
Easy San Diego or Riverside County live/work/worship path
Who can join
Live, work, or worship in San Diego or Riverside Counties
How hard
Easy
Fees / share
$5 new membership fee (Schedule of Fees, Jan 1, 2026)
ATM notes
30,000 CO-OP ATMs / branches (published)
- Official name
- MyPoint Credit Union
- Charter / type
- NCUA-insured credit union (federal insurance language published on MyPoint site). Confirm via NCUA locator.
- Field of membership (summary)
- Membership available to everyone who lives, works, or worships in San Diego and Riverside Counties. Immediate family of members also eligible.
- Join steps (as published)
- Join online or in person. Contact 1-888-495-3400 or make an appointment. CIP / ID requirements apply — confirm on apply flow.
- Fees (only if published)
- New membership: $5 (Schedule of Fees and Charges, effective January 1, 2026). Close membership within 90 days: $5. Savings account maintenance: $3/mo when account has only regular savings and average daily balance under $300 (youth exempt). Share par / opening deposit beyond the $5 membership fee: not separately published on pages reviewed — do not invent.
- ATM / network notes
- Access to 30,000 ATMs and branches across the US (membership page); CO-OP network (locations/FAQ). CO-OP ATM withdrawals: eight free/month then $1; non-CO-OP $2 (fee schedule).
- Branches serving San Diego County
- 7 branches across San Diego (published). Use mypointcu.com location finder — addresses not copied this pass.
- Caveats
- FOM wording is live/work/worship — school not listed on membership page reviewed. Do not expand beyond published counties.
- Join difficulty rationale
- Easy — published two-county live/work/worship path covering San Diego County.
Sources
Not a guarantee: Meeting the published field of membership does not mean you will be approved. Credit unions still run identity checks (CIP) and their own account rules.
Last verified: 2026-10-25 (America/Los_Angeles). Confirm eligibility and fees on the credit union’s site before applying. Membership always subject to CU approval and identity verification.